vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
United auto credit corporation, opened an account for someone in my name, then after approving the loan under one social security number they changed the number after loading the loan. They did not verify the identity of the the party. I have never purchased a car from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The Debt collector has not provided me proper debt validation for the alleged debt. Please delete from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Disputed charges with Wells Fargo who is now investigating the transactions in whole. 

XXXX is the vendor. 33 transactions in the month of XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX - 2 charges of {$500.00} XXXX - {$4000.00} total charges ; 6 transactions XXXX - {$2500.00} total charges ; 3 transactions XXXX - {$8000.00} total charges ; 8 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$4500.00} total charges ; 6 transactions XXXX - {$2000.00} total charges ; 3 transactions XXXX - {$50.00} total charges ; 1 transaction All transactions were in the amount of either {$1000.00} or {$500.00} except for on the XXXX of {$50.00}. They tried to transact with my card several times before it could go through. 


You can find scam reports from this domain on : https : XXXX % XXXX % XXXX % XXXX % XXXX They deal with several companies outside of the U.S. to purchase XXXX to addresses that had just been made for one transaction then send it off to several other wallets. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Email Support - 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
Consumer complaint received 2024-03-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I did a purchase of {$1400.00} of a tourist service. The service was cancelled and I opened a dispute, Citi Bank gave me a conditional credit of - {$1400.00}. 

For my XXXX statement they reversed the credit with a charge of {$1400.00}. The merchant issued a refund of - {$1400.00} on XXXX XXXX, because they were supposed to refund only 95 % of the total which I agreed. 

However on XXXX XXXX I received another charge of the same merchant of {$1400.00} which will net the balance of the refund, leaving me with {$1400.00} of debt. 

I complaint again about this transaction and on XX/XX/2023 they told me they were incorrect and that they will opened a new dispute regarding that {$1400.00} charge, but they never did. I called them multiple times, but they are not able to reopen my case or open a new one. 

I contacted the merchant and they sent me the detail of the charges made on my account, and that they never did that other charge of {$1400.00}, told the bank multiple times I had that proof but they told me not to send it before having a case number assigned, but they haven't assigned yet.

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 monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
60 days of attempts to sign in have failed. I have submitted documents to verify my identity. Customer service has wait time that always exceed 1 hour. Call back from support does not allowed from a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have consistently maintained timely payments for this account, and it is distressing to encounter issues for actions I have not committed. I urgently request the rectification of my account and the removal of any erroneous information that is causing me undue stress.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2024 I was contacted by a mortgage company that informed me I could not get a mortgage because Credit Acceptance was reporting I hadn't paid on my car in 176 days I called my bank and requested a statement showing all my payments to Credit Acceptance in the past year On XX/XX/2024 the mortgage company received the payment history from my bank, called me and told me I now needed a payment history on Credit Acceptance and a letter from them stating that they reported inaccuracies. 
On today XX/XX/2024 at approximately XXXX I called credit Acceptance and requested the information. Initially they sent an electronic document which could not be opened and refused to send a letter stating I had indeed been paying. I spoke to XXXX and a supervisor named XXXX I called again and spoke to another supervisor named XXXX who agreed to send an actual copy of my payments, but also refused to send a letter stating I had indeed paid my car note this past year.

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 2024-03-05 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: GA

Complaint narrative:
After formally complaining to Mohela ( 6month now ) that their billing and accounting was incorrect they have finally acknowledged the correct billing amount. In a letter dated XXXX XXXX XXXX Mohela Acknowledged that my repayment plan is the SAVE plan. The letter also acknowledges that my payment amount is {$90.00}. 

I have been under this plan for months now and you may refer to my previous Consumer Financial Protection Bureau complains which requested that Mohela come up to speed and align with the Federal Student Loan SAVE plan so they would bill correctly, at the amount of {$90.00}.

So the Letter is finally a step in the right direction. The Problem is that they are also still sending the erroneous bill. In fact 14 days after acknowledging the correct {$90.00} billing they sent out a bill due XX/XX/year> for {$1200.00}. This billing is not under the SAVE plan nor the Income Driven Repayment plan. 

I would hope that after 6 Months these errors would be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have an address on my report that is not accurate. I've tried to remove it serval times and the last time I was told that it was connected to my XXXX XXXX account. This not true my XXXX XXXX accounts are only connected to my address which is XXXX XXXX XXXX XXXX XXXX, Tn XXXX. The incorrect address is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please remove this information. It is not correct

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have consistently maintained timely payments for this account, and it is distressing to encounter issues for actions I have not committed. I urgently request the rectification of my account and the removal of any erroneous information that is causing me undue stress.

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 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with Experian but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.

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 2024-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to you via email to ensure that our recent conversation is properly documented. Today, I received a call from MOHELA XXXX, during which I spent XXXX minutes discussing my concerns and lack of trust in their organization, particularly in light of a falsified loan document sent from XXXX MOHELA. Regrettably, the conversation was abruptly terminated by the representative, which I find both ridiculous and wholly unacceptable. Such actions do not align with the expected standards of customer service, especially in situations involving potential fraud and financial matters. For the past XXXX months, I've consistently reached out, documenting each attempt but unfortunately, there has been no response or cooperation. They claim to lack my original loan documents, although I've sent them digitally. The loan terms have been altered from $ XXXX over 36 months to an alleged $ XXXX with a XXXX term. Despite involving my legal team, the issue persists. Should I consider contacting the credit bureaus for assistance in this two-month-long ordeal? Here are the loan documents that are my original then the XXXX XXXX they sent me, I also covered up my address and XXXX for my privacy. I kindly request your immediate attention to this matter and appreciate your assistance in addressing these concerns promptly. Sincerely XXXX 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 2024-03-05 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.
State: AL

Complaint narrative:
On XX/XX/XXXX my credit score with Experian was XXXX. On XX/XX/XXXX I received an alert from Experian that XXXX points had been deducted from my account. The alert nor any other information in my credit file warranted such a deduction and, in the alert, there was a section which stated What Caused the Decrease i score. I clicked on it and all it stated was " Scores Change. '' No other reason given. I have contacted Experian 4 times via email and none of their responses have given me a specific reason why I received a negative score deduction. I want to believe that if they hold such power over a person 's score which effects everything in my life, I should be able to get a specific reason why I am being penalized. The same thing has happened in years past. Last year ( XXXX ) I was at XXXX and it happened It appears that each time I am approaching the XXXX level I am knocked back down. I check my file regularly and I see nor have seen any negative item in my file with Experian to warrant me being hit with this negative deduction. I have worked hard and sacrificed to exceed that XXXX score limit. If they can just refuse to explain their score drops say specifically to the person who the file describes then the scores, they give out is useless. 
I had had enough negative experiences over my long life that I know what should cause scores to drop. It is difficult to believe that Experian won't just come out and say why they took those points from me. Can anyone with your office help me? 

Respectfully. 
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
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every time I log into my Equifax credit report since XX/XX/2024 I am unable to see my credit score or report and see the below error. Customer service agents are rude and are not able to help me. I do have active disputes identity theft items but I was able to see my credit report and score just fine until XX/XX/2024 I am a paying premier member. I need someone to do fix this immediately. See below error message and attachment. 

Error message : Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at 1-888-EQUIFAX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation