vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then XXXX  times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a request to be refunded for student loan payments made during the COVID pause. The amount equals {$8400.00} for XXXX payments made from XX/XX/XXXX to XX/XX/XXXX. Nelnet the servicer for my loans said that I would be sent a confirmation email and further instructions within ten business days which would have been on XX/XX/XXXX. However, I have not received any confirmation or instructions to date. I called the servicer twice, and they can not provide updates or an expected timeline for my request confirmation or a refund. They just said it's being processed, but they missed the initial deadline dates given by the customer service representative when the refund request was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
MOHELA intercepted my student loans during consolidation for the purpose of PSLF. As of XX/XX/XXXX, they have restarted my loans at a higher interest, disqualified me from my qualifying payments and cancelling each document I submit. I have been in public service for over ten years with student loans dating back to XXXX. I have filed a complaint with DOE and MOHELA with no response. They do not offer options to resubmit information or recalculate their error. It was a scam for MOHELA to obtain all student loans, gain interest, and complicate the process with no way to track or resolve any issues. I have uploaded employer documentation at least three times and the online portal says " not verified ''. When I call, it goes to an automated line where I have to input my DOB. The response is " your information can not be found ''. I don't know what else to do and the deadline for PSLF is XX/XX/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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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:
Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU 100000 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act Convergent Account : 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 BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from CHASE bank saying that my account will be closed on the XXXX of XXXX for no reason. I talked to the branch manager and he can't give me any solutions and he doesn't have additional information, which is bank private information. I would like them to review this position and keep my account operating, as I never use extra limits, and I always keep good value in the bank. I see no reason to close my account. This will cause a lot of problems as all my family expenses are associated with this account. It would cost me a huge amount of energy to set it up all over again. And I don't think it's reasonable for other banks to question me why I had my account closed if I didn't give any reasons. I ask you to reconsider this position that you have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received an email from Experian stating that they would block/remove items from my credit report if they received some documents from me. 

I have submitted those documents via USPS certified mail - my tracking number is 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone tried to open a line of credit through capital one in my name on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear Truist, I am contacting you all in regards to my Business Checking Account ending in XXXX. 

I filed a fraud report for the transaction that took place on XX/XX/XXXX in the amount of {$46000.00}. 

I initially reported this transaction on XX/XX/XXXX however I just found out that my claim was never properly submitted and that it never was being processed. I just assumed it was taking a long time given it is a higher amount. 

Therefore, I filed a new claim which is associated with Claim # XXXX. 

In accordance with Truist Bank policy I am hereby requesting I receive a provisional credit for this transaction while it is under investigation within 10 days of this transaction being reported. It was re-reported on XX/XX/XXXX and I have not yet received a provisional credit and hereby request I receive said credit and that it be made permanent after the investigation is complete into this fraudulent transaction. 

Please handle this matter in an urgent fashion given this is a lot of my funds and a significant amount of my account balance. 

In the event I dont receive a provisional credit while this transaction is under investigation I will have to get my attorney to file a lawsuit given I relied on Truist Banks policy.

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Im trying to buy a house, so of course I get a credit report. I have two delinquent accounts from capitol one on my report. I call one to dispute these accounts as I have never had a credit card with them. I give them all of my information, and they say they dont show record of either of the accounts with them. Yet it still shows on my credit report? They tell me I can report it as fraud but theres nothing they can do on their end since the account doesnt show with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED REMOVE AND HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Getting double charged on interest XXXX XXXX bought over GAP CREDIT CARD my previous balance on XXXX Gap Credit Card ACCOUNT & my current charges which stands for ( PB past charges or PIOR BALANCE ) on my old Gap Credit Card Account interest then XXXX Bank combine the interests with the current interest XXXX XXXX XXXX XXXX  ) of XXXX interest charges consider the current use of GAP CREDIT CARD! on my credit card! 
I am getting charged double interest : 1. ) PU Stands for current purchase 2. ) PB stands for previous balance from my XXXX  GAP CREDIT CARD merge credit card when XXXX Bank bought this card company over XXXX getting double interest charge!

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