vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Equifax, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Equifax has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Equifax on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Equifax has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Equifax and any supporting evidence that substantiates my claim. I have also kept a record of all communication with XXXX, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt XXXX to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Allied Collection Services a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CT

Complaint narrative:
I submitted an application for the XXXX last year and was initially approved at a reasonable amount, however when I logged in in XXXX in anticipation of repayment starting back up, I saw that MOHELA was now charging me around {$3000.00}. I called them, and they told me they would fix it on their end. It took XXXX months, and they finally made an adjustment, and are now showing I owe {$4000.00}. My spouse and I had an adjusted gross income of {$550000.00}. I have a family size of XXXX, and my spouse has {$310000.00} in federal student loan debt. Based on this information, my payments under XXXX are estimated to be {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called them because my XXXX  representative told me that my social security was wrong on there end of transunion so i called them and when i was starting to talk about the problem the person hung up on me rudely. I was trying to explain but they had no reason to just hang up like that. After many attempts later of getting ahold of someone XXXX person told me the same thing thats a little helpful. I dont understand why i have to be going out of my way to fix an error that was transunions 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 2023-11-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
stop all communication with me and my so call references my lawyer will be in touch i got people in XXXX  emailing my wife on XXXX saying you guys are sending my information to there mail box account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank NA ran my credit on XX/XX/. I have tried multiple times to reach customer service but you can not get through without providing an account number. I am NOT a customer of Citizens Bank, did not perform any credit transactions with them, don't have an account or bank account with them, they are not underwriting any insurance for me and they have no legitimate business need in connection with me to be running my credit report. As far as I am concerned, this is not allowed by law and I would like a written explanation about why they are running my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
They reported negative or inaccurate information on my credit report which is against 15 usc 1681. They denied me the ability to discharge this debt by not giving me the ein # to use on a 1099 form for the irs. They have also harrassed me about this alleged debt by phone call and by mail. They also repossessed the car when I know it was paid in full using my social security number because I'm the creditor so they wrongfully have stolen my property and have committed fraud. All of these are violations of HJR 192 and 18 usc 8 obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Notice of Violation of the Terms of Bankruptcy of the Government of the United States of America, XX/XX/XXXX, A.D. XXXX, Priority Claim For Discharge, and Entitlement Order To All All These Presents Do or XXXX Concern, Greetings Whereas, the organic laws of the United States of America forbid involuntary servitude, and ; Whereas, the public laws of the Government of the United States declare void, any contract evidencing a public debt obligation containing any gold clause requiring tender of payment in any specific specie of legal tender, and ; Whereas, pursuant to provisions set forth in said public laws, as of XXXX XXXX XXXX XXXXXXXX, no legal tender exists, and ; Whereas said public laws entitle the undersigned to claim for discharge, dollar for dollar, in any such amounts appropriated by said Government, upon demand ; Now Therefore, the undersigned XXXX ; XXXX XXXX, duly authorized to act on behalf of the entitlement holder : XXXX XXXX XXXX, Agent for the Principal : Government of the United States duly authorized by the State of Illinois ; evidenced by State File Number : XXXX, makes priority claim for discharge, dollar for dollar, on any such amounts due, and hereby authorizes and Instructs any/all parties presently in custody or control of any such amount ( XXXX ) due now, or in the future to said entitlement holder ; to act as Securities intermediary, and remit against any XXXX amount ( XXXX ) via same day electronic funds transfer at its account at the Federal Reserve Bank of New York XXXX XXXX ABA : XXXX ; FI ALC : XXXX, on said entitlement holders behalf, and release the XXXX of bond ( XXXX ), on any such property. 
( our authority granted herein and hereunder shall expire upon the earlier of : any communicator from the undersigned terminating your authority granted herein, or Your completion of the acts, authorized herein. You shall ignore any further instructions from any other entitlement holders, unless duly authorized in a communication delivered to You by the undersigned. The undersigned is not disqualified to act, under said organic and public laws It Is So Ordered. 
XXXX XXXX XXXX XXXX XXXX XXXX Holder Without recourse to the undersigned Agent By : XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All inaccurate information should be resolved and updated to reflect true file. Please update address and accounts.

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
My loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are on SAVE and the monthly payment is {$30.00} but my loans XXXX, XXXX, XXXX, XXXX, XXXX are on LEVEL and the monthly payment is {$1700.00}. The first time I applied for XXXX was XX/XX/2023 and they only put half my loans on SAVE and never told me why they didn't put all my loans SAVE. They wouldn't use my original first application so I had to apply a second time on XX/XX/2023 with all the exact same information as was on the original first application. They still won't process the applications and put all my loans on SAVE. Now they are telling me that I have to pay the {$1700.00} or let my loans accumulate interest on forbearance. They say that they can take as many months as they wish to process SAVE applications and XXXX me out of interest forgiveness for as long as they want. They say they won't back date the start date for SAVE and my loans don't qualify while on LEVEL or forbearance for the government interest forgiveness that I should get on SAVE. So I'm stuck with them being able to steal {$1700.00} from me each month until they finally process the application. They get to XXXX me out of the interest forgiveness that I should be getting on the SAVE program until they finally process the applications and they can take as much time as they want to do it. The CEO gets to maximize profit by hiring less people and the government is just letting them extort me like this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
My name is XXXX XXXX. I first opened the account towards the beginning of this year. Since then, Ive had to change my email, phone numbers and password due to not remembering. I was incarcerated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed someone to access my account due to the fact that I was incarcerated. I decided to give my sister XXXX XXXX POA for financials. She came, I signed and it was filed at the court house. She did get access XXXX XXXX ( Approximately ) She sent me money ( {$300.00} ) and put money on the phone. She then decided to move the majority of the remaining balance to an account with XXXX  XXXX XXXX she was using for.me. That alerted chime of fraud. My sister sent all documents that was asked of her. That didn't work. I got released and contacted chime my self. We went in to XXXX XXXX XXXXXXXX with an appointment asking about the form they were asking for. They advised us that no banks bank statement contains the entire debit card number to protect their customers from potential fraud. Instead they brought up her account and printed the screen showing that debit card was hers. I opened this account strictly for my monthly XXXX payments. I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My sister and I have sent approximately XXXX emails back and forth. Everytime we send the correct documents, they ask for different ones. Now we're at a point that the bank it's self doesn't offer. I have contacted chime, advise they of this but, there comment is there specially team will contact by email then again ask for same document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: 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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 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 2023-11-14 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My address is in correct on my credit report. Its showing XXXX XXXX XXXX XXXX XXXX, PA XXXX but I never lived there and my correct address is XXXX XXXX XXXX, XXXX Pa 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: PA

Complaint narrative:
My address is in correct on my credit report. Its showing XXXX XXXX XXXX XXXX XXXX, PA XXXX but I never lived there and my correct address is XXXX XXXX XXXX, XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from TransUnion & XXXX told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.

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 2023-11-14 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: GA

Complaint narrative:
I saw that XXXX  XXXX XXXXt XXXX  was reporting this account to my credit report, I call them and told them that it had to be a fraudulent account. I forwarded them all the required documents several times and talked with multiple people. Each one had a different answer. They informed me the the issue was going to be handled, but no response and nothing was done. I have run out of reps to call to help me. I am asking that this account gets removed from my credit report XXXX XXXX and Experian.

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