vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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:
For the last year I have been actively requesting Experian to remove the below account that is fraudulently linked to my account. Each month I follow procedure and submit a dispute letter accompanied by a FTC Report, yet the company refused to acknowledge the fraud. Today XX/XX/25 I was informed that the last 5 dispute letters I submitted had not been processed one of which is attached to another CFPB complaint I have with the company. In that complaint I provided proof that the debtor was reporting misinformation across my bureaus and Experian NEVER PROCESSED THE REQUEST! They are actively refusing to acknowledge factual documentation that would warrant a removal of this account. In retaliation for my complaint Experian misused a dispute for a credit inquiry to remove all my positive revolving credit accounts with XXXX XXXX! They also refused to remove the one account listed in the report that I did not belong on. Experian has stripped me of my consumer right to fair credit reporting and has maliciously caused me extended financial harm. I have requested an investigation into this matter with Experian supervision and they declined to assist. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}

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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-25 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY

Complaint narrative:
I have attempted to contact bank mobile due to my account being suspended. I have called the customer care phone number listed on the website 12 separate times to resolve this issue since XX/XX/2023. Every time I end up on hold waiting for at least XXXX minutes each time before being disconnected. Each call has been at a different time. It shouldnt matter what time due to the fact that its a XXXX hour hotline.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Esusu, Inc.
State: FL

Complaint narrative:
Earlier in the year I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. 

I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. 

Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NV

Complaint narrative:
The 3 Credit reporting companies XXXX XXXX  and transunion. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The 3 Credit reporting companies XXXX experian and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While XXXXredit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and Experian and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
There are hard inquiries listed on my credit report in the attached report. These inquiries was not authorized by me and they are impacted my credit scored and have lowered my score by XXXX points which seriously impacting my life financially. 

Dates of HARD inquiries on XXXX Credit Bureaus XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: CITIBANK, N.A.
State: ID

Complaint narrative:
There are multiple discrepancies on all XXXX of my credit reports. I had my identity stolen in 2019 and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.

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 2023-10-25 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: MD

Complaint narrative:
This is the XXXX attempt to communicate w/ MOHELA regarding the PLSF. 
I have met the requirement of working for a government and or nonprofit community IRS verified employer. I am still currently employed with a XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all required information to XXXX  XXXX XXXX XXXX ( MOHELA ) and Student Loan Services. I have enclosed copies of all communication from MOHELA whereby it is written that I have 1 payment for total PLSF. MOHELA recently sent a letter stating that I was approved for an Administrative Forbearance ending XX/XX/2023. That is not the WRITTEN agreement that MOHELA mailed to me. I do not want my credit score impacted and according to THEIR written notification, I am eligible for PLSF. According to President Biden statement regarding PLSF, I have the XXXX  years of employment with the XXXX XXXX Forbearance to be included. I also have made required payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MVBA, L.L.C.
State: CA

Complaint narrative:
I had an unpaid speeding ticket and failure to appear ticket. I paid ticket on XX/XX/. For TWO years I have been getting phone calls and mailers about this unpaid debt. I have contacted McCreary Veselka Bragg and Allen PC multiple times as well as filing complaint with Attorney General of Texas. MVBA changes the reference number and keeps harassing for payment for the SAME fine and ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The 3 Credit reporting companies equifax XXXX and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I can not reach Mohela customer service to discuss loan programs available to me. I have been on hold for more than XXXX minutes XXXX times and hung up in frustration. 

Mohela needs address my questions before too long. 

NEED HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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:
This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: UT

Complaint narrative:
LexisNexis refuses to comply with a subpoena for records XXXX thru the present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My information was shared some inaccuracies and things from someones background

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
For months now TransUnion is not allowing me to access my report online, once Im logged in it does not show me any information other than my name. I am also unable to freeze my credit score and it tells me to call, when I call the automated system says something along the lines of not being able to help, goodbye. And hangs up. This has gone on since XXXX regularly! Not being able to access my own credit report, or freeze it when I need to has caused detriment to me as a consumer and crippling my ability to get a credit card, auto loan or do anything I need to as the consumer in my own consumer report. I understand some technical errors happening now and then but this is everyday for 5 months. At this point something sketchy is going on and obviously not technical error. This needs to be fixed immediately and I need to be able to w my own credit report at my convenience.

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX I notified XXXX through e-mail that my order has not been delivered or signed by me and a refund was due to me. XXXX was able to investigate the package and had returned the package to sender with tracking number XXXX. The package was delivered back to sender on XX/XX/23 and was signed by XXXX per FedEx signature confirmation. 

On XXXX XXXX XXXX sent an automated e-mail regarding the return policy but never addressed my concern regarding the delivery XXXX XXXX I notified XXXX that I had not received a refund and was told I have to sort the chargeback out with my bank. 

I never received the package and XXXX has confirmed the package was returned to sender. The merchant has to settle the dispute with XXXX as I have never received the package. 

I have filed a dispute with my bank TD three times already and the chargeback has been reversed each time. 

I have also filed a complaint with the XXXX which they said the merchant stopped replying and has not issued a refund either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: CO

Complaint narrative:
I attempted to settle my account for the exact amount of {$500.00}, which was the original debt owed to XXXX. Initially, the employee persistently pursued a sum exceeding {$1000.00}, but eventually, they indicated the lowest they could accept was in the XXXX XXXXange, still exceeding the initial amount by {$200.00}. They asserted that they represented the credit union and that the credit union requested this payment. However, after confirming with the credit union, it was revealed that Knight Adjustment Bureau is a third-party collection agency, not affiliated with the credit union , and they had not received any settlement requests for this account. I requested both proof of debt and proof of the settlement offer, but these requests were denied. Additionally, when I asked for proof of settlement after making the payment, that request was also denied. Considering these factors, I have concerns that this company is acting dishonestly. 

I would like to settle this account and receive documentation regarding payment and settlement of the charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I filed a complaint on XX/XX/2023 on this same company for stealing my identity from XXXX. I received a COLLECTION LETTER in XX/XX/2023 I did not agree to a contract with either of these entities. Credit Management closed this matter earlier this year and this is the second time they are sending me a letter dated XX/XX/2023, received today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: FL

Complaint narrative:
My information was shared some inaccuracies and things from someones background

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 non-monetary relief