vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I respectfully request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian/TransUnion credit reporting agency block all accounts , collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX ( XXXX ) business days of receiving this complaint. 

I kindly ask that all written confirmation regarding this matter be sent to me via email at XXXX. 

Thank you for your prompt attention to this request.

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 2025-01-11 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: NC

Complaint narrative:
I am submitting this formal complaint against Experian, a credit reporting agency, for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the investigation and removal of errors & derogatory account ( s ) on my credit report.

I have repeatedly sent letters to Experian disputing inaccuracies on my credit report, but they have failed to properly investigate and address these issues as required under 15 USC 1681i ( 5 ). Despite my efforts, the errors persist on my credit report, and I have faced negative consequences, such as [ list any denied loans, credit, housing, etc. ]. These issues are particularly concerning in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to conduct proper investigations of credit report errors, which I believe applies directly to my case.

My rights under the FCRA, including the requirement for Experian to ensure the accuracy of information as outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681c ( c ), have been violated. Experian has not properly investigated my disputes, nor have they removed the errors in my report within the legally required time frame.

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 2025-01-11 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: PA

Complaint narrative:
I have contacted MOHELA on multiple occasions regarding whether it communicated to XXXX XXXX XXXX XXXX XXXX  XXXX '' ) that my federal students loans it services were placed in a mandatory administrative processing forbearance for XXXX and XXXX of 2024 for the purpose of recalculating my payments on an XXXX plan. Every instance I contacted MOHELA, I was met with wait times of over XXXX minutes with no substantive addressing of my issue. Attached, I have included documentation that MOHELA placed me in a recalculation processing forbearance ahead of the months of XXXX and XX/XX/year>. 

As per XXXX guidance, if a student loan servicer needs additional time to recalculate payments on an XXXX plan your account is in a processing forbearance and up to 60 days of processing forbearance time is eligible for XXXX credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, federal regulation dictates that time spent in a mandatory administrative forbearance pursuant to 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 qualifies for Public Service Loan Forgiveness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

MOHELA has to date not communicated to XXXX that I was placed in a processing forbearance for XX/XX/year> and XX/XX/year>. I am at XXXX qualifying months, so if either XX/XX/year> or XX/XX/year> become eligible - as they should already be- I would be eligible for loan discharge pursuant to PSLF. I have reason to believe that there are other similarly situated loan borrowers who MOHELA services as well. MOHELA is, at best, negligently hindering my progress towards PSLF discharge, and, at worst, intentionally and deliberately preventing me from becoming eligible for PSLF loan discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
According to laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, My credit report is improperly being reported with inaccuracies, billing errors and late payments that go against my rights as a consumer. The accounts that reflect these errors are : 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 I request a thorough investigation into these discrepancies to validate the accuracy of this late payments and improper reporting of information. If unable to furnish proof, I demand these payments to be updated and/or removed from my report.

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 2025-01-11 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 Checked my credit Report and I saw that there were some inaccurate Accounts reporting.

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 2025-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a billing statement from Home Depot Consumer Credit Card services on or around XX/XX/year>. This billing statement indicated I made a purchase of {$1300.00} for a few items that I never heard of. I could not figure out what exactly was purchased because of the vague description on the statement. 

I then tried to log into my account, however I quickly realized that I never open a Home Depot account. I was able to log into my account by retrieving my username and changed the password. Online, I saw that this order was made at a Home Depot store in a city that I never have heard of in Michigan. ( Note : I tried to log into the account before writing this, but was not able to due to my SSN number not matching the name on the card? I can not remember the name of the city, but I looked it up at the time and I remember it being in the eastern part of Michigan. ) I called the credit card company, which appears to be in association with CitiBank, and explained everything. I was told this would be resolved. About XXXX weeks or so later, I received a letter saying that I was being held responsible for the charges. I called the company again, this time asking for information about the investigation. I wanted to know specifically how they came up with this decision to charge me, despite the fact that I did not make this purchase. I was told the investigation would be reopened, they asked me a couple of questions about the purchase, and then told me they would get back to me. 

I waiting another XXXX weeks or so and received an almost identical letter telling me the same thing : I am being held responsible for these charges. 

The bill is now {$1700.00} because of fees and interest. I have not made any payments. I feel like this company could have done way more to investigate. I did not make this purchase. I did not open the credit card. I have never heard of the city in which the Home Depot is located. The items purchased were never described to me. Nobody ever tried to find out if I had these items in hand. 

After a lot of searching, I came across this website that comes highly recommended. I am hoping this nightmare will end here. 

Thank you so much for your help.

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 2025-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I applied for a MyLowes credit card online XX/XX/XXXX. Synchrony Bank is insisting on using facial recognition software to validate my identity comparing cellphone video capture with an uploaded copy of my DL. This fails consistently, probably due to a long beard, aging, etc.. They agreed to mail a form to fill out, have notarized and fax back which I did. They rejected the form it saying the notary needs to be from XXXX of their affiliated banks which charge for the notary. 

I've been in Lowes multiple times for this. No one can explain why any of this is needed and had no idea facial recognition was being used. Is there not a disclosure, training, etc.. to save customers time who don't want the hassle? I've provided phone, email, SSN and DL verification for my identity. Never had a problem like this before.

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KY

Complaint narrative:
I had payments scheduled for my account ending XXXX and US Bank would withdraw funds for a payment on that specific day and there was an available balance, and then the next day there was even more money available in the account yet the payment was returned, causing me to have to pay late fees for missed payments. I had this happen several times this month and a couple of times last month. XXXX XXXX stated that it would depend on when the deposits were made, and I stated that US Bank 's process seems to be removing funds before depositing funds in order to keep consumers hurting for money and maybe they are in on the scam of charging these late fees. XXXX said that US Bank had no idea of when money would be deposited into my account until the day it happens and told him that was untrue. As I have XXXX bank that pays me XXXX days before US Bank does, which tells me US Bank knows at least XXXX days before they release the funds how much money is coming into my account. So if payments are withdrawn at XXXX, and my paycheck doesn't hit until XXXX, then US Bank says I do not have enough funds. US Bank is always willing to hold my paychecks for days, but when payments are made out of my account they want them to be instant. This is robbery of the American people 's hard earned money! Please Help!

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A credit dispute was submitted to Experian on multiple occasions by mail. Experian responded to dispute as verified or have responded with a generic email stating that they were not going to respond to the alleged disputed because they feel that it was not authorized by myself. This is a violation of my consumer rights.

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: ID

Complaint narrative:
BranchApp is scamming customers claiming to have a fraud prevention team they do not have. I have tried for months to contact someone in that department with no replies. They only replies sent are computer generated with no return address or contact person to reply to. I had unauthorized transfers of money from my account. I disputed the transaction and was told 10 days later no fraud was found, however trying to contact the deciding factor on that for more information on how no fraud was found have gone unanswered. I have emailed this department many times with no responce. BranchApp owes me {$650.00} that was lost due to fraud that could have been recovered by a bank with an actual fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened a retirement account XXXX with Ally Bank and through the Ally Bank website, but withdrew the funds and closed it years ago. 

But Ally Bank refuses to close it. 

They write that it is an " XXXX account... Ally Financial owns Ally XXXX and Ally Bank, the XXXX divisions operate as separate entities and do not share customer information '' Which is a LIE because I was able to open the account through the Ally Bank website. So obviously, if it is indeed XXXX different entities, they obviously shared information to get my information through their website, when I used their website to open the account. 

And it's doubly stupid for Ally to claim that they can't close it. Because they closed my other ( savings & checking ) accounts WITHOUT MY PERMISSION last year due to an allegedly inaccurate address, which is the same supposedly inaccurate address for the XXXX account. If they think the address is wrong, they should have closed ALL my accounts. 

If I could open the account through the Ally Bank website, I should be able to close the account through the Ally Bank website.

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 2025-01-11 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX XXXX Reported XX/XX/XXXX XXXX JPMCB XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. JPMCB  said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. XXXX said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I engaged in a transaction with a seller on the application OfferUp to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I completed a purchase for {$310.00} dollars on XX/XX/year> via the Venmo application. Upon completing the transaction, the seller went " cold '' and stop replying to messages leading me to believe that I had essentially gotten scammed. 

I opened an dispute through the Venmo application for the transaction on XX/XX/year> mentioning that the item was never shipped since the seller effectively stopped responding to messages ( it had been a very engaged back and forth while arranging the payment details ). Upon filing the dispute, the seller immediately responded and provided a XXXX tracking number leading me to believe that the item had been shipped and the transaction was going to proceed as expected. I thus canceled the dispute since " Not Shipped '' was not necessarily true at the time on the same day, XX/XX/year>. 

However, the provided tracking number has not been updated in any way shape or form since the original date of the transaction despite the vendor claiming that the item was shipped and dropped off at XXXX. Upon trying to reopen the dispute on XX/XX/year>, Venmo is claiming that the dispute can not be reopen since I had closed the original one and that there is nothing else that can be done from a customer protection standpoint. 

Venmo claims that, due to a claim being opened and closed by me ( it never went to arbitration ), no additional claims can be opened and despite the high likelihood of me not receiving the item there is no consumer protection that is eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. Upon reviewing my credit file, I noticed multiple inquiries listed under my name, which I did not authorize. 
I would like to clarify that I did not give permission for any of these inquiries to be made, and I am requesting that they be thoroughly investigated and removed from my credit report. These unauthorized inquiries are negatively impacting my credit history and score, and I am seeking your assistance in correcting this matter as soon as possible. 
Please find attached a copy of my credit reports with the fraudulent inquires listed as well as the report that I have filed with the FTC. I would appreciate your prompt attention to this issue, and I kindly request that you remove these unauthorized inquiries from my credit file to reflect accurate and fair information. 
If you require any additional documentation or further details, please feel free to contact me at the phone number or email address provided above. 
Thank you for your time and prompt attention to this matter. I look forward to your response and the swift resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding the timely resolution of credit disputes. My dispute has not been resolved within the legally mandated 30-day timeframe, and TransUnion has engaged in stall tactics, further delaying the resolution process. 
Details of the Complaint : XXXX. Failure to Resolve My Dispute in 30 Days : o My original dispute was mailed to TransUnion on XX/XX/year>, with all required documentation, including identity verification documents. 
o A second dispute was sent on XX/XX/year>, after receiving no resolution or acknowledgment of the initial dispute. 
o XXXX XX/XX/year>, I filed a formal complaint with the CFPB to escalate the matter. 
As of today, well beyond the XXXX timeframe required under FCRA 611 ( a ) ( 1 ) ( A ), my dispute remains unresolved. 
XXXX. Request for Duplicate Identity Verification Documents : Despite providing all necessary identity verification documents with my original dispute and reiterating the same in my second dispute and CFPB complaint, TransUnion requested these documents again. These repeated requests are unnecessary, redundant, and appear to be deliberate stall tactics designed to delay the resolution of my dispute. 
Impact of TransUnion 's Actions : XXXX failure to act promptly and its repeated requests for documents I already submitted have caused undue stress and frustration. The inaccurate information on my credit report continues to harm my creditworthiness and financial standing, affecting my ability to access credit and other financial opportunities.

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