vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning fraudulent personal information and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information 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 2023-09-19 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: NC

Complaint narrative:
XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 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 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  All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: VT

Complaint narrative:
THIS COMPANY IS A FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: OH

Complaint narrative:
On XX/XX/23, my XXXX request on XXXX was completed. Review of the application is listed as completed. 

The next step listed was Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions. 

I have not heard from my loan servicer and I am unable to reach my loan servicer. I have called at least 4 separate times, requesting a call-back twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX, MA, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy. 
15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: WI

Complaint narrative:
I disputed something with the credit reporting agency after 30 days they did not put account in dispute which is a violation of USC code 1679 each I want this information deleted of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was a victim of financial fraud on XX/XX/ for two transactions. One for {$990.00} and {$1400.00}. I was attempting to call a help desk to login to a phone app I was not able to login in. Assuming I was speaking to the right person, the person on the line convinced me that I was already a victim of fraud and that I needed to make these transactions to resolve the issue. Confused with the circumstance, they convinced me to make these two transactions to XXXX XXXX using my XXXX PNC mobile app with nothing in return. I do not know this individual, and I am now out of {$2400.00} that I desperately need. I have been stolen from and tricked into sending money that I never wanted to send and PNC will not reimburse me. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 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: MA

Complaint narrative:
Mohela recently moved my student loan account into repayment status. However, the servicer calculated my monthly payment incorrectly when it transitioned my account to the XXXX plan. There is no math on planet XXXX that shows how Mohela arrived at a monthly payment amount of {$530.00}, due XX/XX/XXXX. 

On XX/XX/XXXX, my monthly payment was calculated to be {$410.00} under the XXXX plan. I have not recertified my income since that date. Now that the XXXX plan is effective and uses 225 % of the XXXX XXXX XXXX instead of the 150 % figure that XXXX used, the monthly payment should have decreased. That means " gone down, '' for the kind folks at Mohela doing their best to keep up. 

In addition, my spouse 's repayment increased from approximately {$180.00} to over {$500.00}. Clearly, Mohela has calculated monthly payments incorrectly under the XXXX plan XXXX has not accounted for the appropriate family size *and* has ignored the requirement to prorate monthly payments among spouses when both owe student loans and are on income-driven repayment plans. 

The Mohela logline that " some borrowers will have a higher monthly payment '' after the XXXX plan recalculation is not an adequate explanation, as demonstrated by the facts above. On XX/XX/XXXX, I used the " Contact Us '' feature at Mohela to request a correction of the repayment amount but I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 These accounts and inquiries was not approved. I have complained several times for several years and nothing hasnt changed yet. Can these be removed off my credit. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc.
State: FL

Complaint narrative:
This company called Entrada Inc dba Resident Verify needs to be investigated. On XX/XX/XXXX, I was denied a rental application for a rental company I have been doing business with since XXXX. The prospective rental property submitted my information and found it odd that I was denied as well. I owed the company no money and there was no skipped rent as stated by Entrada / Resident Verify. Entrada tried to blame XXXX initially but admitted via a supervisor, that a client made this false claim they are using against me. This false claim of owing miney is not on my credit reports BUT Entrada is reporting false information on behalf of XXXX. I called Entrafa twice on XX/XX/XXXX and spoke to XXXX. I was told by herself and the attached report that I was on Rental History Watch list that would continuously get me denied in the future because of a lie by the same company but different property / property manager told. This property had to let me out of a lease twice because of misrepresentation and housing code issues in XXXX and XXXX AND pay me back money from my deposit. I was legally let out twice by the same landlord who reported the false information. After I told Entrada I would be submitting complaints about false information they had no proof of except conflict of interest and hear say because this company pays them. I owe no money. This needs to be erased. Please see the proof. Again, I understand this client pays Entrada Inc but XXXX is not reporting this information nor XXXX rent bureau. Its false and against credit laws. Its obvious this company is sketchy because my rental score that this company created isnt even low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank, Capital One, has frozen my accounts without notifying me. They have refused to give me the date they froze it or explain why I was not notified to keep checks from bouncing. I am XXXX and this started when I attempted to change my POA at the bank. I have very credible reason for believing the person acting as POA might drain my accounts. A new POA was drawn up by my attorney along with a letter that this person was to have no further access to my accounts. This was taken to my branch by my new POA on XX/XX/XXXX. They faxed it to their legal dept for approval stating it would be XXXX to 7 days. By XX/XX/XXXX it still had not been approved so I had to go in person to move money from savings. On XX/XX/XXXX a check was returned, this was first and only indication I had that my account had been frozen. Even though I was just out of hospital I had to go back in person because they still had not approved new POA. They said someone had called in alleging a third party had called in pretending to be me. They named my new POA as that party. This is ridiculous as she had no need to pretend to be me- she has my POA and regardless, pretending she would not have given her real name!! They refused to tell me who made the allegations even though they knew I was being harassed by the former XXXX to the point of filing a police report on XX/XX/XXXX. I do not feel it is a coincidence that the allegations had to be made that same week. Her threatening behavior has been constant for over XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

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 2023-09-19 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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit 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 explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
I have summited documentation to Transunion of fraudulent items on my credit report I have also submitted a copy of the identity report to this company. They Company later reply back stating that I am working with a third party company and they won't process my request unless they come directly from me. Which the letters are from me and not a third party company I demand that they complete the investigation and a timely matter.This company c to send out stall letter instead of completing the investigation I also have sent in all my identification for verification purpose.

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 2023-09-19 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: CA

Complaint narrative:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: CA

Complaint narrative:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

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 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
I called in to request the total amount that I owed the company. I was told that they could not give me the total amount that I owe because I have a payment scheduled for XX/XX/XXXX. I also wanted to revoke the ACH payment authorization, but they said that I could not do that because of the scheduled payment on XX/XX/XXXX. 

It makes NO sense to me that the company can't tell me how much I owe them as of today, XX/XX/XXXX. 

I then sent an email to the customer service department and they too responded by saying that they could not give me the balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
The loan I have signed up for is for solar installation + HVAC replacement. The lending company should only charge me when the product installation that has been completed but they started charging me before completion. I have contacted the company a few times but they ignore my complaints. They start charging me since XX/XX/2023 and up today, the product I had signed for still has not been delivered nor installed. I have my lawyer send an demand letter to Mosaic to make adjustment to the amount of products I have never received, but they ignore my lawyer 's demand letter as well. I should not be charged for service I have never received and the lending company has neglected to perform their due diligent to check with the customer before they send out payment. When customer contact them about the fraudulent documentation the service company provided to get themselves paid, Mosaic choose to continue ignore their due diligent to conduct investigation and continue to bill me for service I did not receive.

Company response to consumer: Closed with explanation