vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I applied for the XXXX in XX/XX/XXXX. I have worked for the same school since XX/XX/XXXX and have made monthly payments for my loan since XX/XX/XXXX. Mohela has been giving me the run around for almost a year now, saying I only have XXXX out of XXXX required eligible payments to qualify for XXXX. However, they need to count payments from XX/XX/XXXX- XX/XX/XXXX. 

XX/XX/XXXX : Spoke with XXXX, who says that Mohela is waiting on the XXXX XXXX XXXX, and it takes a while. 
XX/XX/XXXX : Spoke with XXXX, who said she will have her XXXX call me back to figure out what is happening. No one returned my phone call. 
XX/XX/XXXX : Spoke to XXXX, who submitted a rework request to management to determine why they continue not counting 70 months of payments. I also resubmitted another employment verification since they said they could not count my work from the original application to XXXX. It shouldn't matter, though ; I've made the payments, but I had my employer sign off and verify my employment. 
XX/XX/XXXX : I spoke with XXXX, who said I needed proof of payment from XX/XX/XXXX - XX/XX/XXXX, so I uploaded proof from XXXX that I made payments every month and did not skip any. He verified he received the document and said I would hear from Mohela in 30 days. 
XX/XX/XXXX : I spoke to XXXX, who now says that my loan was deferred during that period because I was in school. When I explained I was in school from XX/XX/XXXX - to XX/XX/XXXX, my loan was never in deferment, and even if it was, there are still 54 months of payments not being counted, she said it didn't matter. She said they would request to have the national student loan payment count, and I should hear back in XXXX - 14 days. 

This seems like a scam to me, and I am being singled out because I have proven that I make my payments on time and have been a responsible loan borrower. I have done everything required and sent everything requested of me, confirming that I have made payments for 20 years without missing a month, all while working for the same school district. It seems convenient that I am 2 months shy of meeting the requirements, but I've proven that I have 70 months of payments that needs to be counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
Equifax, XXXX, and XXXX are reporting my consumer report improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX  XXXX and Account number # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a XXXX XXXX XXXX XXXX  account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check may not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX XXXX  is stating that KeyBank for some confidential reason may not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''. 
CFPB closed complaint " with explanation '' however KeyBank failed to provide copies of the referenced documents that were to be part of KeyBank 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
This is a blanket complaint that I think will affect many consumers. 
XX/XX/2023. I'm trying to access my Chase Visa account online, as I do every month ; When I tried to log in to my online account today, I was told that the company had updated its disclosers and agreements and that " If you don't accept them, you won't be able to see or manage your accounts online. '' The first agreement was 125 pages. 125 pages!! Who XXXX XXXXXXXX has time to read that when all they want to do is check that a refund posted to their credit card?? 

The second agreement was 10 pages. 

This XXXX XXXXXXXX, designed to XXXX the consumer by hijacking their account from basic access until they agree to whatever terms the company randomly decided on. I don't have time to read XXXX total pages of agreements written in legalese - when all I want to do is have valid access to my account in the manner I ALWAYS access my account to check on the status of a refund. 

I get that terms get updated -- but forcing people to agree to something they do NOT have time to read? XXXX XXXX XXXX 

I submitted a complaint online, but do not have several hours to waste trying to explain this problem to a account rep who will just transfer me to several other people while they try to " figure out '' my problem. My problem is this is just WRONG -- and you are holding my account information hostage from me -- it's MY ACCOUNT. All I want to do it check a refund. But I can't see anything because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. 
I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to Experian, XXXX, and XXXX and they are still reporting it after asking them to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I looked on my credit report and it says that i have a past due balance of a credit card that i never owned

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
For the past several months I have contacted the creditors as well as the Bureaus to verify these 2 accounts reporting on my credit reports. Both have failed to respond to my request. Both of these accounts below are not mine and they have no evidence of supporting documents pertaining to me. I asked the bureaus and creditors to remove them for my credit reports. They have failed to do so. 

CRDT CTRL CO ( XXXX XXXX XXXX ) Reporting on XXXX and XXXX Account # XXXX Collections Charge off / Derogatory Balance of {$240.00}. 


XXXX XXXX Account # XXXX Collection/ Derogatory reporting on XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These accounts were reported in my information and are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These accounts were reported in my information and are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I filed a dispute about two electric scooters I had bought, which did not meet advertised specifications, and I had therefore returned scooters to merchant, XXXX XXXX XXXX, XXXX, XXXX. Chase then called on XX/XX/2023 and stated merchant denied having received return. I provided reference numbers for the two returns to Chase, per return receipt, which is all Chase requested, they specifically said they did not need copy of return receipt. I was then contacted by Chase again on XX/XX/XXXX, and they stated they had closed dispute, upon review by Chase representative, she admitted this is was closed by mistake, apologized, and said only way to continue was for me to file an appeal by fax, to reopen case, which I did with all documents. I then called Chase on weekly basis and was told all was OK. When I called on XX/XX/XXXX, they told me they had again closed the dispute. The reason was very strange. They said the first dispute was still active in " another department '' when I filed my appeal, which they had asked me to do, and so, due to appeal, the first dispute was closed. But because the first dispute was still active, also the appeal was closed. So today, on XX/XX/XXXX they asked me to again file a second appeal! Which I have now done. But, when I look at my online account statement, it says dispute is still open! So nothing Chase says make sense, they have an utter mismanagement of this case, and meanwhile I have no merchandise, I am being charged {$1100.00} for something I have returned, since Chase also failed to issue a new credit and instead refilled full amount on XX/XX/XXXX. Not only this, but merchant has called and stated they will charge {$60.00} for every month I do not pick up the scooters! So I am now between a rock and a hard place because of Chases utter mismanagement of this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation