vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-12-18 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 formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>

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 2024-12-18 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an account that is reporting to my credit report incorrectly. Account XXXX XXXX XXXX is reporting to my credit report with an incorrect balance of {$2200.00}. I do not owe portfolio or anyone else this amount. This item was purchased by a Third Party Debt Collector.

This account must be deleted as the status is not correct the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is not correct & not accurate. Therefore it must be deleted immediately. I will attach the account name and number for reference and incorrect amount. This is a clear violation the FCRA as this is not accurate or complete. Delete this immediately as it is effecting my ability to obtain a healthy 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account that is reporting to my credit report incorrectly. Account XXXX XXXX XXXX is reporting to my credit report with an incorrect balance of {$2200.00}. I do not owe portfolio or anyone else this amount. This item was purchased by a Third Party Debt Collector.

This account must be deleted as the status is not correct the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is not correct & not accurate. Therefore it must be deleted immediately. I will attach the account name and number for reference and incorrect amount. This is a clear violation the FCRA as this is not accurate or complete. Delete this immediately as it is effecting my ability to obtain a healthy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ocean Lending Home Loans
State: MI

Complaint narrative:
A company that goes by Ocean Global lists jobs as Data Analysts with promise to pay after giving you money to work. They mislead with info and convince you to give money after seeing the money in the account. The company promised to pay and then disappeared. I was left with a negative amount of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I want to file the complaint against the credit card company CAPITAL ONE. 
I have account # XXXX XXXX XXXX XXXX exp XX/XX/XXXX XXXX XXXX of XXXX XXXX and business name is XXXX XXXX. 
On the XXXX statement account had a due payment of XXXX and on the XX/XX/XXXX an auto pay was sent, and I have accidently paid extra payment of XXXX. So, two payments of XXXX ( XXXX have been deposited to my account ) I have also paid the full amount of the owed money to the account. I called to get my refund of extra payment for XXXX and they have told me to call 10 days later, and they will issue the check. 
I have found out that I owe XXXX and I called, and it turns out they were withholding information about the interest for the month. I have paid and on the XX/XX/XXXX this account has had XXXX balance. Credit card company has had enough money to cover any minor interest charges. ( the statement does not show XXXX payments of XXXX, they have moved XXXX payment to XXXX, so the statement is incorrect. ) They have not mentioned any extra interest to me, the person I spoke to stated we are issuing you a check on XXXX, a month later I had a charge and late fee. I am requesting for you to AUDIT this account and this company. 
as they have clearly done unfair business practices. 

Capital one should not have issued the full check to me if I owe any minor funds. This account has been paid in full, and it is always a change of some charges, if they do occur, they should have informed the client right away. ( on the phone since I had to call XXXX weeks later to get my check back and they should have seen any additional due amount. ) thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NM

Complaint narrative:
Wife attempted to purchase wigs for herself condition. The company did not send. We attempted several times to contact with no reply. After we filed a dispute the company created a shipping label but the items were redirected back to the merchant and never delivered. I provided the USPS shipping tracking to the Citi bank dispute center and they keep saying that they are unable to attain the funds back from merchant so Im liable. I explained that this is fraud and they are a financial institution and are to issue a charge back to the merchant and refund for goods not received. They then tried to play XXXX XXXX and say well how about you accept {$250.00} in return and forget the {$410.00} your being charged. I refused and have attempted to resolved with many calls. Even after providing proof of the return of products to the merchant the citi bank is refusing to issue the charge back and attempting to charge me for items because they said we are unable to reach the merchant. Because they do not answer the phone. That is not my issue or concern. They are a big financial institution and can hire collections agents to go knock on the business doors or levy a lean against them for money owed hit to be complicit with this fraud is unconscionable. 

XXXX XXXX  is the merchant and Citi Bank is the credit card company assisting in this fraud.

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 monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted a request on studentaid.gov to switch from SAVE to IBR. Studentaid.gov website indicates information about SAVE litigation but also that services will process borrowers applications to enroll in IBR. IBR was created by Congress and not subject of SAVE litigation, even with a broad interpretation of scope.

Mohela has confirmed receipt of my application to switch plans submitted on XX/XX/XXXX. However, after spending a significant amount of time making numerous contacts with Mohela in writing and by phone, including a call back a few days later with a supervisor after originally being told I couldnt elevate the issue and speak with a supervisor when it was clear customer service agents have no idea what they are doing. 
Mohela has repeatedly told me that they refuse to put my application in a processing forebearance and to move forward with processing my student loan payment calculation under IBR so I can resume making payments.

I was erroneously and maliciously told my only option was to make payments that were for the entire amount without any IDR programs and that it would not count towards PSLF. I am over 8 years in qualified public service for a nonprofit.

I asked the supervisor for the specific legal guidance mohela is relying on in not putting my application in processing forebearance nor processing my application. What I received was general SAVE information that was not applicable to my situation. I responded back in writing stating such and have not heard back. And stating ongoing personal financial harm.

I also have not had any response from numerous complaints and requests for reconsideration.

Instead I received a enteral letter sent to confuse consumers into making payments on interest to line the pockets of mohela when interest accrual shall be paused during the save standstill.

If services need time to process a borrowers IDR/IBR application , services will move the borrower into a processing forebearance for up to 60 days and the time in this processing forebearance is eligible for PSLF and IDR forgiveness.

Mohela has had my application and done nothing. My account reflects SAVE and administrative forebearance until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-18 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-18 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: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-18 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: WI

Complaint narrative:
this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: World Omni Financial Corp.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
The initial lender, Mohela, transferred the loan to anew lender, XXXX, in the XXXX  of XXXX. In the notice, the letter instructed that no action was necessary for auto-pay and that those payments would automatically transfer to XXXX. Mohela continued to draw my monthly payments from XXXX through XX/XX/year>, but did not transfer the payments to XXXX, which resulted in defaulting on my loan. However, again, money continued to be withdrawn from my account. When I figured this out, after being denied another loan ( with XXXX XXXX XXXX and $ XXXX in income ), I called Mohela. The wait was more than an hour and I opted for a call back on XXXX. They never called back. I called the next day, XXXX, and waited on hold for more than XXXX hours before a representative came on the line. She would not help me and told me to call my bank to stop payment. I did call my bank and stopped payment. I paid XXXX directly and set up a new autopay. My credit has been affected and I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
THE AMEX BUSINESS GIFT CARD DOESNT LET ME SPEND IT ANYWHERE. CANT USE IT ON ONLINE STORES OR EVEN USING SQUARE. USLESS FOT A GIFT CARD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
Im filing a complaint about the incorrect addresses " XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX, NJ XXXX '' listed on my TransUnion credit report. These addresses dont belong to me, which violates the Fair Credit Reporting Act ( FCRA ) that requires accurate credit reports. 
Also, my current employer, XXXX XXXX, appears on my XXXX report but is missing from TransUnion. I need this information updated to show the correct details. 
These mistakes are frustrating and increase my risk of identity theft. Im asking for the immediate removal of the incorrect addresses and for my current employer to be properly listed. This will help protect my financial records and avoid future problems.

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 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima keep denying me because they're saying they are unable to verify my identity. I've reach out to the reporting agencies and all the information is accurate. I've tried emailing Acima and it just gets rejected by their system. I've tried calling and they will not answer any questions just keeps telling me to reapply at a later time. Not explaining what's coming up as not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: LA

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-12-18 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: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief