vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I hope youre doing well! I wanted to share something that's been bothering me lately regarding my credit report. I recently checked it and found some inaccuracies that I need to address. 

There are several accounts listed that seem to be inconsistent, and its really confusing. Here are the accounts Im talking about : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The problem is that theyre not reporting the information consistently. When I look at my credit profile, its clear that the details dont match up, which is super frustrating. This inconsistency could really affect my creditworthiness. 

I already wrote to the credit bureaus about these issues, but I havent heard back from them yet. Its been a bit of a hassle, and Im starting to get anxious about it. I just want to make sure everything is accurate!

I also referenced some sections of the Fair Credit Reporting Act ( FCRA ) in my complaint to support my case. Specifically, I mentioned : - **Section 609 ( 15 U.S.C. 1681g ) ** : This section requires the consumer reporting agency to provide consumers with the information in their file upon request.

- **Section 611 ( 15 U.S.C. 1681i ) ** : This gives consumers the right to dispute inaccurate information and request an investigation.

- **Section 605 ( 15 U.S.C. 1681c ) ** : This limits how long negative information can be reported, ensuring that inaccuracies are corrected promptly. 

Just wanted to vent a little and keep you in the loop. Please help if possible. 

Take care

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 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AZ

Complaint narrative:
On XXXX, XXXX 2024, I was sent a letter from XXXX saying my holder, Mohela, would discharge my loans for my 100 % XXXX  service connected permanent and total XXXX. To this day, 174 days later, the loans have not been forgiven. The temporary forbearance has ended and the only reason I haven't been forced back into the monthly payments yet is because make so little money that the pay as you earn plan I'm on has a zero dollar payment right now. On my last phone call with Mohela, they said I would have to start making payments again this XXXX when my annual renewal for the different payment plans changes. At this point XXXX cant tell if XXXX forgiveness is a joke or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately three in the morning, my phone and debit card were stolen from XXXX XXXX and Bank of America. Numerous acts of fraud took place on both accounts totaling around {$17000.00}. Immediately, I had to go buy a new phone and call my bank to report fraud and have my accounts locked. So far all the fraud and all of the reports were in my favor of the XXXX  XXXX and I got the {$15000.00} back. However, there were two Zelle payments were made on Bank of America. There were two transactions each one was {$1000.00} totaling {$2000.00}. There were credit card charges that were refunded As well. 
However, the {$2000.00} sent on Zelle has still not been returned to me. When I called to check up, they say theres no new information. The claim reversed and took a debit out of my account. The reason they cant claim is, they cant prove that my phone was actually stolen. But they saying that they were sent from a trusted device, and the verification codes were sent to trusted device. It was sent to my device and she knew my phone pin. So as of right now, its been about two months and I still haven't got the money back. Please help me. If you need more information, just let me know. 
I submitted a bunch of documents to Bank of America, basically showing that it was fraud, and I deserve to get the money back, but it hasnt worked

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX we noticed that my husbands card was being used out of state. We called PNC to lock the card and send a new one. I also requested a new one. 

On XX/XX/XXXX I attempted to use my card for a personal separate account at an ATM. My pin is no longer working. I tired to call PNC for assistance and they told me they could not help. However, this very same pin works just fine in accessing mobile banking and the automated system. 

Somehow, they have deactivated my cards and I no longer have access to our joint checking, or my personal checking account. 

As if XX/XX/XXXX my husbands card has not arrived, but mine has. However, I can not activate it and my personal checking account card is also not functional and on mobile banking they no longer show as valid. 

I am unable to go to a branch due to health issues and work hours, and I am locked out of my account with no way to pay bills or eat. We are forced to use a credit card to get by. PNC offers no assistance on the website, app, or over the phone. 

This needs to be fixed immediately. A new card needs to be sent overnight to my husband and PNC needs to send me new cards with the correct pin assigned overnight and help me regain access to my accounts. 

It has been over a week. We have waited long enough and tried to do things their way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been at my throat to get this debt cleared up and due to the fact that cards are extremely hard to obtain because they have income requirements that prevent the average person to even get approved for this card. 

I make close to {$13000.00} a year due to my XXXX Insurance so I wouldnt qualify for a credit card on their terms AT ALL. 

Infact they mentioned that I was denied the first time that I Applied because a different social was used and somehow they approved it due to me newness into using credit. The deceptive tactics and lack of communication that I was approved was merely a fabrication. 

I did attempt to communicate with them however they are adamant about receiving their debt first and did threaten to take legal action via court of law. 

There are multiple violations therefore, all I demand for a resolution is this credit report to be taken of immediately and permanently, and that this debt no longer appears or reappears on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: PA

Complaint narrative:
filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They constantly keep harassing me, these charges has been on my credit report for years and I told them I'm a victim of identity theft. I never charged any of this debt. Please help me guys get my life back on track please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions of cognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , Axccess Financial/ Check n Go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MO

Complaint narrative:
To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo had a major security breech during the time my mortgage was carried by their company. I went through the process of my home almost being foreclosed on, leaving me to come up with an extraordinary amount of money. They never offered any kind of loan assistance program such as mortgage modification, etc. Wells Fargo put me and my family in an extremely difficult situation with no resources being offered even after requests which forced me into eventually having to file bankruptcy which is till effecting my credit and my finances. I had no idea that all of my personal information had been shared and was never offered any protection from identity fraud and have been the victim of fraud related to what I believe is the Wells Fargo breech of information

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts My Birthday Was Incorrect Also it Was XX/XX/XXXX on my credit file they just recently updated it to XX/XX/XXXX. 

Collection Agency XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$2800.00} Amount {$3700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX I Original Creditor Name TOTAL ACCESS URGENT CARE Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My former student loan servicer was Great Lakes. I have only federal loans. The servicer are switched from Great Lakes to Nelnet. I submitted an income driven repayment, plan application as well as a public student loan forgiveness application with great lakes. They never processed the application nor did they forward that to Nelnet. I was not able to access my account to check on this during the transition. But I am now seeing that the applications Were pending and Nelnet is saying they never received them from Great Lakes. I have to start all over and Ive been in public service for XXXX years. I have an interest rate that is now higher than what I originally agreed to. Im looking at {$130000.00} in student loan debt. I recently submitted my student loan forgiveness application through the federal student aid website which went through. That is how I found out great lakes did not process my applications or share them with Nelnet. Nelnet is saying I never submitted these, but it is clear I did on the federal website. I am unable to access my account at Nelnet. They are saying no username or account created. Every time I try to call them to get my account fixed, they say they dont have record of it and that I am in default. It has been extremely difficult to navigate having my loan provider switch and interest rates change. In addition to that, I have no recourse and, getting access to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This car is paid off in full from GM Financial. I Don't owe them anymore money, it's closed on my credit report and I would like this removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report concerning my account with SECURITY FIN ( Account Number : XXXX ). After reviewing my report, I have identified several inconsistencies and inaccuracies that need to be corrected immediately. 

Here is the inaccurate information currently reported : XXXX. Date Last Payment : Reported as XX/XX/XXXX and XX/XX/XXXX Both dates are incorrect. 
XXXX. Date Last Active : Reported as XX/XX/XXXX and XX/XX/XXXX These dates conflict and are inaccurate. 
XXXX. Last Reported : Reported as XX/XX/XXXX and XX/XX/XXXX XXXX or both dates are incorrect. 

I request that you investigate these discrepancies and correct the inaccurate information to reflect the correct data. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter. 

Please notify me of the outcome of your investigation and provide an updated report once the corrections have been made.

Company response to consumer: Closed with explanation