vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: AL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed 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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX I asked for my new XXXX XXXX XXXX XXXX XXXX last four account numbers XXXX to pay {$5000.00} to my Barclays XXXX XXXX account last four account numbers XXXX. The check # XXXX was sent and cashed XX/XX/XXXX. Several calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been made to Barclays to find the check and have it recorded to the account. I was told that the issue was to be taken care of XX/XX/XXXX and would be called to verify this. I was given a case number XXXX and on another call to Barclays was told there was no case number. Today XX/XX/XXXX I was told by XXXX the customer supervisor that this issue was again going to take two billing cycles to remedy and no one else could help me. I would like to have the check credited to my account asap. Please contact me at XXXX XXXX or email XXXX if you have any additional questions. I would appreciate any assistance in resolving this issue.

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 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-22 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently filed bankruptcy for the XXXX XXXX i have been getting repeat inquiries from the same banks or lenders without my authorization I have a fraud alert on my report and I have multiple inquries from these banks

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 2024-04-22 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:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX of Monday, XX/XX/2024 entered XXXX XXXX to apply for bank account and was denied by a XXXX consumer reporting agency inspector General whom discriminated against I with post master. Agency employed XXXX XXXX XXXX block against customer. Web site didn't address I by Dear and sincerely indicating an inspector General active against bank company and customer.

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 2024-04-22 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: HI

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Deletion of Late Payment Discrepancy from Experian Credit Report Dear Experian, I am writing to formally demand the immediate deletion of a late payment discrepancy from my Experian credit report concerning my account with XXXX XXXX XXXX XXXX BANK XXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my Experian report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my Experian report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. I expect your prompt attention to this matter and look forward to a swift resolution.

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 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-22 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: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I received a message from my federal loan servicer MOHELA that a general forbearance was placed on both of my loans for the month of January ( 1/1/24 - 1/31/24. I was confused for a number of reasons 1 ) How can I be told RETROACTIVELY that my loan was placed into a forbearance 2 ) How was this forbearance placed without my permission when my account was up to date on payments/no payments had ever been missed?

3 ) Why was this forbearance placed without my permission and certainly not by my request?

4 ) Why was I responsible for interest accrued during a forbearance period I did not request?

5 ) Why did payments during this forbearance not count as monthly payments towards the Public Service Loan Forgiveness program? I had to wait on hold for over two hours before speaking
with a representative. There was nothing that could be done about the interest during that period or the payments not counting towards PSLF, which means a direct negative financial impact on myself. They were able to remove the forbearance so that it is no longer on my loan records. 

However, I have once again received communications from MOHELA stating that my loans are being placed in an administrative forbearance I DID NOT ASK FOR AND DID NOT APPROVE. I received a communication on XX/XX/XXXX stating that both of my loans were being placed in an administrative forbearance from XX/XX/24 to XX/XX/24. I am once again confused for the following reasons.

1 ) I did not request a forbearance 2 ) I did not approve a forbearance 3 ) My account has never missed a payment is is up to date 4 ) It states that loans will continue to accrue interest during this period 5 ) Auto debit is suspended, which means I am not receiving the XXXX  % interest rate discount and am therefore accruing MORE interest than I otherwise would 6 ) At the end of the forbearance unpaid interest may capitalize on the loan 7 ) It is not stated if payments made during this time will count towards the PSLF program, which ones again means I will be paying MORE over the life of my loan. 

I am currently on hold with MOHELA again and have been for over half an hour, as they continuously do not have enough staff to respond to concerns in a timely manner. I have seen similar stories from other MOHELA customers and intend to file a class action lawsuit if this situation is to occur again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am currently using MoneyNetwork which is the new EDD bank. I had sent a test transfer to my personal account of {$27.00} which XXXX was correct which matches the account from XXXX XXXX that I will upload. On Monday morning XXXX, I went to confirm if it was sent and noticed the large transfer of {$4900.00} being sent out to another account. In the photo of MoneyNetwork, you can see it does not match the account number I have from XXXX XXXX. I received no fraud alerts or notifications and it was sent. This was not authorized to me as you can see the accounts do not match from the {$27.00} transfer. I called MoneyNetwork XXXX and they assisted me with cancelling the transfer although it was patched through. They cancelled my card and provided a new one, and informed me to complete dispute form, which I did, and it was denied. I am on California EDD and after research says it went to a XXXX  in Florida, which would make no sense for them to collect California EDD benefits. I live in California and XXXX XXXX XXXX here. Please review so I can retrieve my EDD. I appreciate all the help. Thank you

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One had made an unsafe demand that I pay my account on a date completely contrary to the reporting and standard bill date. This erroneous command by the credit card company caused my ( great standing ) credit card to b =e reported for several months as a delinquent account. I rrepeatedly asked for details and corrections but they ignored the safety of the account. I am repectfully demanding the account be return to it's good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XXXX I was able to apply for Borrowers Defense against repayment for my federal student loans due to the gross misconduct conducted by the XXXX XXXX XXXX XXXX 

They were found on multiple counts to be guilty of, violating US consumer protection laws in federal court. In addition to exaggerating job prospects, the lawsuits also allege that XXXX underestimated program costs and lied on financial aid forms to receive larger loans. During the financial aid process nothing was explained to me, nothing was told to me in a way that would help me understand what was going on with loan terms, amounts, or interest rates and saddled me with XXXX in debt upon graduation. Recruiters were found to violate a federal ban on per capita incentive compensation. For this and the reasons stated above I believe not only did the XXXX XXXX XXXX XXXXXXXX mislead me into enrolling there but I also believe their actions were criminal and have caused a great financial strain on my shoulders. 

I have repeatedly relayed this same struggle to Navient regarding my private loans as not only the monthly payments were a struggle to meet. Additionally, Navient was sued by the AG of XXXXXXXX  and was found guilty and had to cancel the debt of those within a certain time frame. There were also additional parameters that I was told I did not fit. Although I was never ale to confirm this as Navient would not provide me with any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/2024 at XXXXXXXX XXXX, I went to deposit cash into a US Bank ATM, heard the ATM counting my cash that I had deposited, it told me to take my card out and came out with a receipt saying A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the hover on the back of your card. I went into the US Bank that this ATM is located at ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ) and they told me theres nothing they could do as I dont have an account set up with them, even though Ive be able to deposit cash within the last 4 years there. They then told me to contact my bank, so I called my bank and they told me I had to call XXXX which is who my card is through, to file a financial dispute. I then got a call later in the day from XXXX telling me US Bank has the authority to look at the cameras and amount I put in at the time on my receipt, so they shouldve done more than just send me out their door. XXXX then asked how much the ATM stole from me ( {$420.00} ) then they said theyll get their dispute team together with my bank then send me an email later on to confirm the amount and send the email back to them after Ive confirmed, in hopes itll all work out.

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 2024-04-22 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:
I have reached out to the credit bureau TransUnion, XXXX, XXXX On XX/XX/2024 And they have not removed the information, different addresses are still on my report from XXXX, XXXX, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need 60 days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly 5 more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final

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