vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: SC

Complaint narrative:
XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION 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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
I am being denied access to my funds by Current bank. It says my account is under review for security reasons. I have contacted Current twice now and have been told I would receive an email about the issue. I have not received any emails as of yet. When you call customer service they refuse to give you any information or let you speak to the department that handles these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have been a XXXX plus year XXXX card holder. In late XXXX the XXXX XXXX XXXX XXXX card service provider was switched from XXXX to Barclays Bark. I believe as part of the switch Barclays created a new account number for my relationship without subsequently terminating my prior account number ( my prior XXXX account number was XXXX ). For the the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays reported account late XXXX, XXXX, 120 days late before reporting closure of the account in default. During this time payments were made timely to the new account they established. When contacted for resolution Barclays has indicated they have no record of account XXXX although it is clear they're reporting the account to the credit bureau 's in error. 

The unfortunate credit reporting error and subsequent inability to resolve has created a hardship and inability to have additional credit extended by other lenders. Your assistance is appreciated

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 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the XXXX XXXX payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. I previously filed a complaint with CFPB and received a response from Mohela on XX/XX/2023 regarding my refund. In the response, Mohela stated that they would manually request the refund and I should see the refund sometime in XX/XX/2023. In XXXX, I still had not received the refund and I reached out to Mohela about it. I was told to wait another 30 days. It has now been 6 months and I still do not have my refund, yet Mohela continues to show my balance as if the refund was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Truist refuses to stop emailing me, received an e-mail from them this morning. This is my 3rd complaint with you. The last, which was " resolved '' for this very same issue was on XX/XX/2023. The mental stress and anguish that this is causing is simply overwhelming. Is CFPB not the proper place to be making a complaint? If not, please let me who I need to contact for help. Do I need to file a lawsuit for harassment? I'm not sure what to do from here and not sure what the CFPB is doing if anything. Truist needs to stop harassing me and they simply need to be held accountable.

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 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
i provided nelnet with the documentation they needed to see that they lied to me on multiple occasions and they are still saying i never provided that information which I did. I provided their call history to them and that has the proof that they lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I went to annualcreditreport.com to request my report and all asked me to call. After calling Equifax refuses to send my report. They are asking for information I have already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
I have resolved this issue with XXXX XXXX and XXXX, I have submitted evidence to Experian they refusing to remove from my account.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX owns the XXXX XXXX XXXX that was leased to XXXX XXXX. XXXX XXXX had a claim filed with XXXX XXXX. She received a XXXX party repair check made out to her and XXXX XXXX XXXX XXXX XXXX XXXX XXXX the check at Wells Fargo bank without the endorsement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not endorse that check or authorize it to be cashed. We filed a forgery claim with Wells Fargo bank through XXXX XXXX on XX/XX/XXXX when the XXXX XXXX. adjuster was reassigned. Wells Fargo has not responded to either of us. They also have not sent a packet to XXXX XXXX. accounting dept. like they advised they would. Wells Fargo 's claims line stated that they can not help give an update on the claim without their claim file # on this packet. XXXX XXXX. has advised they have not received the file. Neither us nor the insurance company can get an update on the forgery claim. Wells Fargo is unresponsive.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a bank account with US Bank for many years. I closed this account early 2019 with a XXXX balance after a dispute with US Bank and a fraudulent purchase on my account with XXXX XXXX ( I filed the dispute with them and had it removed ). I only had my checking account with US Bank with a debit card. Now, years later they are telling me that I had a credit card with them ( NEVER HAD ONE ) and have a collection account with them over {$2500.00}. I have called them repetitively and explained to them that I never had a credit card and closed my account with a XXXX balance ( the bank account with the debit card ). I have spent XXXX 's of hours on the phone telling them my old bank account number and now it's mysteriously disappeared from their records. I know US Bank has had major lawsuits from illegally opening certain accounts in peoples names that had other accounts with them. They refuse to send me the documentation showing that I opened a credit card ( only stating I made purchases and owe over {$2500.00} ) I told them any purchases were made from a debit card with the associated checking account I had and I closed my account with a XXXX balance. They refuse to help me and are submitting fraudulent information to the credit reporting agencies stating I owe a lot in collections from credit cards. For documentation my bank account with them was XXXX. Recovery department refuses to give me copies of my bank statements. I am going into a US BANK branch today to demand copies of my statements which I can then upload for review.

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 2023-08-02 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self incXXXX contract started by {$9.00} charged in XX/XX/XXXX {$150.00} charged in XXXX XX/XX/XXXX but this is less than minimum payment because they deduct interest which was 14 % I believed but they deduct {$21.00}. And they applied late fee because I did meet minimum payment. 
{$150.00} charged in XX/XX/XXXX but I didnt go thru. But if they charge XXXX it would be late for sure. 
XX/XX/XXXX, contract said on XXXX every month they tried to charge {$320.00} but failed so they said to add {$15.00} late fee again haha oh and report credit score as well XX/XX/XXXX they charge {$480.00} and successful. So they which I had no problem except they failed to charged on XXXX as they listed in our contract. 
XX/XX/XXXX they charged {$700.00} but failed. Again failing to charge the date they promised Then no more, they returned to my account. They refund me partial of money but reported me as late payment. Again not XXXX every month. 

They stopped our contract. Here is my point. They had breach our contract. I didnt even care how much they would charged but they failed to do so until XX/XX/XXXX as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. INQUIRIES l MADE ARE UNAUTHORIZED AND DEMAND TO BE DELETED OFF FILE AND HISTORY AS MY PERSONAL INFORMATION HAS BEEN LEAKED FROM MULTIPLE DATA BREACH INCIDENTS .I HAVE ATTACHED A CLAIM REPORTED TO FEDERAL ENFORCEMENT ON BEHALF OF MY PERSONAL CHECKING ACCOUNT FOR STOLEN IDENTITY ,FRAUD DUE TO THE DATA BREACHES I HAVE BEEN VICTIM TO

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
Please be advised I sent a letter over 45 days ago without a response as per the FRCA. I know the credit bureaus are required to report in a timely manner or they must delete the erroneous items by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: SC

Complaint narrative:
EXPERIAN ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION 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 explanation