vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Ford Motor Credit regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Ford Motor Credit, the discrepancies persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX lists the worst delinquency as None Reported, while XXXX categorizes it as Charge Off/Other Derog. 
- Inconsistencies exist in the payment history, with numerous months showing no data reporting. XXXX reports a charge-off from XXXX through XX/XX/XXXX and in XX/XX/XXXX, while XXXX does not report any of this information. 
- XXXX does not provide the date closed for this account. 
- XXXX does not report the terms of this loan. 
- There is no dispute remark, despite this account having been previously in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I called the company to set up payments. The agent told me what the debt was for before identifying who I was potentially releasing my information to a third party. She then refused my payment and proceeded to over talk me. I asked for a supervisor who threatened to report to my credit even though Id be making payments. He ignored my concerns about the previous agent. I dont appreciate the level of disrespect and the threats against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
I received my most recent consumer credit report from Experian aand have found an alarming amount of inaccurate info in regards to names that are not mine and unmailable addresses that I have also never lived out. 

I contacted Experian via XXXX on XXXX  to inform them that this info needs to be removed and is a violation of 15 USC 1681. 

The agent I spoke with, told me that the info was accurate, and I told the agent that this is hearsay and that I as the consumer, am currently informing her that the info is not accurate and that continuing to report inaccurate info is a violation of my consumer rights. 

The agent then proceeded to say and do nothing for over XXXX XXXX. I was never informed that I was on hold and could still hear the static from the agent 's line. I disconnected the call after XXXX and XXXX of this. 

Experian has XXXX different names listed on my profile. XXXX of which are not mine, are misspelled, and I have never gone by these names and do not claim or recognize them. 

It appears that Experian had trouble verifying my identity and even asked me to provide info so that they XXXX update their records. This is also a clear indicator that the info on my report is not fully accurate.

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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
XXXX Department of Education just sent an email stating I missed a payment when my loans are in borrowers deference and currently under forbearance until full discharge. Mohela is the servicer of the loans and is currently reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
Hello! I recently review my credit report and i was shocked to learn that ive been a victim of identity theft. I found account on my credit report that were not opened by me. This has been hurting me as im in a process of buying home for my family. Please remove this fraudulent account from my credit report as soon as possible.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX, I received a call from my bank, Wells Fargo. I answered it since that is what appeared on my caller id. The rep, XXXX said he was calling from the fraud department to validate 2 XXXX transactions that they flagged. He said one was for {$990.00} and the other was {$490.00}. He asked if I knew the person, XXXX XXXX with a phone number of XXXX or XXXX. When I said no he then said he needed to get me transferred to XXXX so they can process the cancellation of these transfers he said I would need to provide them with the cancel codes XXXX and XXXX. When he transferred me, the rep said the manager handling the cancellation is XXXX XXXX and then walked me through how to submit the cancel codes through XXXX. After he walked me through the first cancel code, I saw the amount of {$990.00} removed from my account. He then said not to worry, once XXXX finishes the cancellation, it would be deposited right back. He came back on the line and said it would be another 3-5 minutes so he would call me back once it was completed. After about 30 minutes, I got worried and called Wells Fargo back, that is when them told me they did not call me and that it was a scam and the scammers have a way to mirror the bank name and phone number. Wells Fargo then said they closed my fraud claim and had to open a claim with the institution that received my funds and if they return the funds, they will give me my money back. But that doesnt help me with the bills that are supposed to go through.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
They locked the funds in my account for months they u lock it then they locked it again and telling me I can't use it for 180 days and I'm currently being evicted they have no reason to steal my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-01-08 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:
I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX in XXXX and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted Experian, XXXX, and XXXX via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively

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 2024-01-08 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:
i was never late on any accounts! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.remove this account or face violation {$1000.00} per volation

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 2024-01-08 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: MI

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Transunion. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-01-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX # XXXX XXXX, has 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX # XXXX XXXX, has 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was transferred/sold to Mr. Cooper from another lender. They make it extremely difficult to set up bi-weekly pymts. It's hard to find how to do it. Then once you find it, it's like an act of Congress to get it set up. They require that you are paid way ahead on your mortgage, then do not respond once you send them the required information and documentation. I did everything they required... I filled out their form completely that they required to set up every-two-weeks payments and emailed it to them on XX/XX/XXXX. Their form specifically says fill out ACH instructions " or '' provided a voided check. I filled in ACH instructions. However, I then received an email back saying they needed a voided check, so the same day ( XX/XX/XXXX ), I also emailed them back with a voided check and I made an additional payment online to 'pay ahead/in advance ', like they required. However, they failed to set up the bi-weekly payments, and then sent me a notice that my payment was overdue. I no longer had auto-payments set up, because they REQUIRE that you also halt your auto-pymts before they will process a bi-weekly payment request. It seems like a racket to make it impossible for consumers to set up a payment plan that is advantageous to the consumer, like a bi-weekly payment plan vs. a monthly mortgage payment, since a consumer can save a lot of money in interest by paying off their home by making half-payments every 2 weeks vs. the amount of interest ( profit ) that lenders get from consumers who only make one payment, once a month. I have emailed them again, but have not received a response. However, they are sure " on the ball '' with sending me marketing emails and mail for additional products to make THEM more money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: FL

Complaint narrative:
I visited the hospital in XXXXXXXX XXXX  in XXXX. The XXXX  paid this bill. I got another call today, XX/XX/24, from NPAS XXXX at XXXX. This call was a robocall with an XXXX  voice on the other end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My federal student loan was officially forgiven on XXXX. XXXX reported on XX/XX/ that I have student loans on my credit reports which showed up today. 

I called today and spoke to a XXXX representative at XXXX pm. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX pm about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX PM That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX PM so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX PM I have a letter from my servicer saying my loans are forgiven XXXX PM Okay are they showing that they are forgiven on their website? 
XXXX XXXX PM I have all zeros, except for my loan status being in administrative forebearance XXXX PM XXXX said they are waiting on you so they can finish the processing XXXX PM That is something that your loan servicer would handle. 
XXXX PM I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX PM If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX PM That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information. 

Please advise what I do to resolve this issue. 

Thank you, 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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I opened up an account with this company in XXXX  with my name address and social security number. I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them XXXX times and I never heard anything back from them why I never got a bill or anything from the company since XXXX. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault

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 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I used a Promotional Credit Card from XXXX XXXX ( ACTUALLY XXXX SYNCHRONY BANK ) to purchase automobile tires on XX/XX/XXXX for {$1300.00}. I made ALL payments on the amount due. 
In hindsight, I FORGOT about the " Promotional Expiration Date XX/XX/XXXX '' On XX/XX/XXXX I was charged an ADDED " Interest Payment '' of {$220.00}, because the Full Amount had not been paid. 
I confused Monthly " FEES FOR THIS PERIOD '' with Interest. 
I am requesting SYNCHRONY BANK remove the Interest Payment '' of {$220.00} from my account. 
I will pay off what I owe and NEVER due Business with SYNCHRONY BANK or XXXX XXXX AGAIN.

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 2024-01-08 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: TN

Complaint narrative:
These inquiries were not authorized by me. 
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 2024-01-08 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: GA

Complaint narrative:
I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.

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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NV

Complaint narrative:
I was notified by my bank and was forced to order a new debit card due to suspected fraud. I logged into Klarna to remove the old debit card and replace it with my checkign for the time being. I also made a payment for one of my items. Well, they still attempted to charge the inactive card, and it failed since it was cancelled. Well, this caused me to be charged additional fees and my credit is no longer availbale to use. 

I reached out seeking resolution to this, and the rep refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: MS

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBK OF AMER XXXX XXXX XXXXXXXX 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