vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the XXXX major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I also dispute the following unauthorized credit inquiries on my credit report 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX, I called AidAdvantage customer service line XXXX ( XXXX ) XXXX, and was unable to reach any representative. At this time, on XX/XX/XXXX, I have been on hold for 1 hour and 44 minutes. 

I am reaching out to discuss my account and payment options as the options provided are not possible for me to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My credit card company went from OLLO to Ally bank. Immediately my monthly payment went up almost double. I can not afford to pay this because I am on XXXX. In no way has either of these companies try to work with me. When I asked for a phone call from a manager on a non-recorded line. Ive asked over 15 times. With over 25 phone calls from them. They call and then they hang up expecting me to call back. Ive asked for multiple pieces of information in regards to this account including a validation and a current billing statement with all of the debt included and interest and fees etc. etc. currently they are compounding interest on top of late fees and failure to pay monthly payment. Ive tried to work with them to no avail.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone number. One loan company performed an investigation and quickly concluded that it was absolutely fraud. XXXX refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.

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 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an 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 2023-10-30 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: GA

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an 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 explanation
Consumer complaint received 2023-10-30 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: NY

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: OH

Complaint narrative:
In XX/XX/2023, I signed up for a 16-week challenge at XXXX XXXX XXXX XXXX The third party company is National Acceptance Company in XXXX, Pennsylvania. The representative told us that when we completed the challenge, we would have 5 days to send in a certified letter to cancel the contract. If we did not, we would have to pay for a year and not be allowed to cancel the contract. I completed all of the steps along with having the form initialed by myself and sent by certified mail on XX/XX/XXXX. They decided in XXXX that they would not accept the form nor cancel the contract because I did not initial the form. I called them to ask if I could send the form with the initials and I was told the only way was to have a medical issue which I did acquire by doing the exercises. I was told by XXXX that I would have to see a physician and I did. This cost me {$270.00}. They have said that I now owe them an additional {$170.00} for XXXX and XXXX. I sent them all they asked for and do not owe them any additional money. They have written a letter threatening to send to collection agency and charge additional funds. This happen in XXXX, Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I been trying to temporarily unfreeze my credit alert they sent me a passcode which was never activated. Now I have to wait another 2 weeks for another number and this is not the first time. No one would even try to assist me and its messing me up from the business I need to perform. They are always hesitant about helping and my credit scores also have been fluctuating without explanation but no one can give me answers

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 2023-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
ACCOUNT XXXX A letter that we received and disputed in XX/XX/XXXX and numerous times after that. We neither one of us contacted Wells Fargo on account that we could not make payments at any time. When In fact we stated differently and in fact never missed a payment and have been paying extra. Only to get letter stating because of a borrower had informed them of financial hardship, with has impacted their ability to make payments on the account. To which we wrote back immediately ( letter dated XX/XX/XXXX ) stating otherwise. 
This issue has not been resolved but a mass letter stating they would remediate and get back after this, l to date still has not been resolved. 
XXXX, XXXX get letter that payment may increase as our draw period will be ending. We have not been able to draw on it for several years but have been making payments that are not being applied correct to reflect what we are paying and the as the balance is increasing. Our account has not been corrected/reinstated and we have an account someone else apparently is using. 
XX/XX/XXXX we receive a letter that states : check enclosed for account ending in XXXX, your account was previously in COVID 19 related payment suspension, we restricted your home equity line from credit further advances. We are enclosing a check for any issue the loss of access to your line of credit may have caused. We apologize for any inconvenience. Check is for {$200.00} not cashed as this is obviously a mistake on our account thru Wells Fargo and this is being stated in letter and with payment. 
We also received a letter last week stating about what payment would be on account we have not been able to use or draw on for years that we have tried to state balance is incorrect.

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 2023-10-30 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: LA

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 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 2023-10-30 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Company states account was not written off nor closed account. However account is being reported on my credit report as a charged off account. Company states the account is open and was never written off as tax debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone numberXXXX XXXX XXXX  company performed an investigation and quickly concluded that it was absolutely fraud. Upstart refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XX/XX/XXXX {$0.00} XX/XX/XXXXXXXX XXXX  {$0.00} XXXXXXXX XXXX {$25000.00} XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/ {$7600.00}

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 2023-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: TX

Complaint narrative:
Called trying to get options to help on my mortage payments, was told they couldnt do anything about it because ive already received help and that they would not help me even asked to talk to a manager/supervisor and was told for what if they were going to tell me the same thing.

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
The company is my current student loan servicer EdFinancial. Here is the most recent email I sent to them ( no reply ), after waiting 4+ hours on hold following another 90min wait where they hung up on me today ( XX/XX/XXXX ) : I called your help line on Friday XXXX to discuss the illegally high IDR amount ( $ XXXX ) you had auto-enrolled me in, as well as to figure out why my account showed a past due amount of {$750.00}. I left my info for a call-back at XXXX XXXX. I received a call from XXXX at XXXX XXXX Monday, XXXX. She agreed the IDR was too high, and I expressed I wanted to opt for the Extended Graduated Repayment plan, for which I know I qualify per the student aid site. She placed me on hold several times to figure out what the past due {$750.00} referred to, before eventually conceding she had no idea. 

When I asked for confirmation in writing that my plan should update to reflect the correct EGRP amount due, and would remove the unknown {$750.00} past due charge, XXXX assured me it would reflect on my account shortly. When I asked what I should do if I approached the XX/XX/XXXX auto-pay date without corrected statements showing, she said I should turn off auto-pay, as { you } can go up to 2 months delinquent before it gets reported to credit agencies. I expressed that seemed legally and financially dubious as a suggested solution, she swore it shouldnt take that long to update me account. 

When it still showed the wrong amount due + the errant {$750.00} past due as of XX/XX/XXXX, I canceled the auto-pay and attempted to call the help line again ( signed up for call-back & never received one ). 

Since my credit score is showing dinged with a delinquent payment on XX/XX/XXXX, I called again to sort it out, as my account is still not corrected, still shows {$750.00} + {$2800.00} past due from XX/XX/XXXX and another {$2800.00} upcoming due for XX/XX/XXXX. 

I would like to confirm 1 ) I am enrolled in the Extended Graduated Repayment plan ( $ XXXX ), 2 ) The {$750.00} past due amount is either pulled from my record, or written justification for it is given to me, and 3 ) That the missed payment your representative told me to cancel payment on is removed from my account as a delinquent amount & is not reported to credit agencies as if I chose to avoid a legitimate payment ( which your own representative said this was not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-31 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief