vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-28 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear sir or maddam upon looking at my credit score I see that CCB/XXXX  Account number XXXX has sold the debit to a third party collections company called Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX... 
I have not signed any binding legal document with this third party agency. hence as a result the fair debit collection act does not apply it is illegal and I want this removed from my credit score soon as possible as I am trying to increase my credit in order to by a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
On XX/XX/year> my loans were placed on forbearance without my knowledge or consent. I requested to remove the forbearance the next day. 

On XX/XX/year> all my loans interest was capitalized, resulting in {$28000.00} being inappropriately capitalized. This will result in greatly increased monthly interest due to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX Iam disputing all incorrect info. On my lexis Nexis consumer report. Everything is inaccurate Below I will list what information is ACCURATE PERSONAL ADDRESS XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/1987 SOCIAL SECURITY # XXXX ID # XXXX NAME : XXXX A XXXX XXXX XXXX XXXX XXXX A XXXX Everything else on my Lexis Nexis report is inaccurate or fraudulent All inaccurate or fraudulent information must be disputed and removed from my consumer report thank you 15 U.S.C. 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these inaaccurate record 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 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: GA

Complaint narrative:
I recently finished my first year in college with the help of a XXXX  Grant provided to me by MOHELA. After my first year I changed my major meaning I needed to now pay back this money. I started on their official website where all it could tell me was that I needed to call their number to resolve the issue and they " could not tell me any specifics of my account due to it's status ''. So I called the numbers they provided to me only to be run around by an automated device. When I was finally connected with a person he did not ask if we needed help simply spoke at us telling us we needed to call a different number and follow these steps. We did exactly as we were told and the automated device could not find my account for some reason. We were then connected and told we needed to wait for someone to connect on the line with us when we were suddenly disconnected. Im not sure what to do about this as because of this confusion every day I am collecting more and more interest on my grant that I will have to pay back because they are not able to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND EQUIFAX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN XXXX XXXX XXXX XXXX WITHOUT TRANSPORTATION, NO XXXX XXXX  NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO XXXX, NO XXXX NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY EQUIFAX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET XXXXT, A XXXX XXXX XXXX XXXX  HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR XXXX AND XXXX XXXX I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR XXXX AS I HAVE BEEN XXXX, XXXX XXXX XXXX XXXX XXXX  OR XXXX XXXX. I HAVE NO XXXX OR ANY RESOURCES ALONG WITH NOT XXXX XXXXXXXX XXXX XXXX XXXX AND I WILL BE XXXX XXXX UPON ANY FUTURE XXXX. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A XXXX XXXXXXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING XXXX XXXX  OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A XXXX XXXX I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE XXXX XXXX XXXX I AM BEYOND XXXX XXXX XXXX XXXX XXXX, ETC AND NO XXXX XXXX XXXX ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! I DO NOT GIVE A XXXX XXXX  ABOUT EVER GETTING ANY XXXX OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XX/XX/XXXX & XXXX {$XXXX} XXXX XXXXXXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I revoke written consent XXXX Any reporting of the following accounts is against my wishes, and I would like to receive {$XXXX} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.

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 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX unauthorized transactions totaling in {$20000.00} where transferred from my savings to checking account resulting in {$10000.00} lost from my savings as an unauthorized user made XXXX telephone transfers before using the same debit card to charge {$10000.00} from my checking account. I opened an internal investigation to find out how these unauthorized transactions occurred. Today, I received a letter in the mail stating that the transactions resulted in " no loss '' therefore they will be considered authorized. This is an absolute abysmal approach to security as well as a resolution to my concern. I am requesting for records showing how the transfers were made as I did not make them. I exclusively use mobile banking to make transfers, not telephone. Today I spoke with agent XXXX on the phone who provided no help for understanding how these transfers were made. The transfers did result in overall loss to my total funds so the claim should be reopened and properly investigated,

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 2024-05-28 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a billing statement XX/XX/XXXX stating I owed XXXX by XX/XX/XXXX. I log onto my account XX/XX/XXXX and I select pay total amount on the website and on the statement the numbers stilled showed XXXX so I paid that amount. XX/XX/XXXX XXXX hit with a XXXX interest fee. I call customer service the first person I spoke said since my account was closed they wont adjust the interest and he couldnt hear me. I called in an hour later I called and spoke to someone and they said I need to pay 2 consecutive months total balance in order to not get anymore interest. I requested a manager she said she wont waive the fee and I shouldve called in for a pay off. I said o line gave me the option to pay the total amount why didnt online reflect what I actually owed? I would like the interest of XXXX to be reimbursed I paid them over XXXX and thats what it said I owed this is such a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me. 
remove and block the inaccurate accounts being reported on my credit file.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against Chase Bank and the investigator for a transaction at a post office for {$1000.00} that was fraudulently taken from my account. This is in response to an original complaint I made against the bank where they failed to do proper due diligence in investigating my case and kept my money in a transaction their bank never fulfilled.

Original Complaint-XXXX : On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX  I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video. Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.

New Complaint : I have read Chase Banks response and it didn't address my concerns at all, in fact it deflects the blame on me. First, I never received a money order from the post office I paid for. Secondly, Chase Bank insinuates that the transaction did go through on the first card and that only the second card was declined when I specifically told them that both my debit cards were declined at the point of service. The clerk at the post office can verify this too. I have made a complaint with the post office since then and who have been much more responsive and considerate than the Chase representative, XXXX XXXX. When XXXX XXXX contacted me he asked for additional evidence to provide him in the investigation. I told him I would get back to him. When I called back two days later with more evidence he told me the investigation was closed while denying he ever asked for any additional evidence previously to resolve this problem. In the complaint I made with post office ( Service Request # XXXX ), their preliminary investigation found there were no money order transactions made for {$1000.00} at that post office branch that whole day. So it seems that the problem reverts back to Chase bank. The money was taken from my account, the post office never received that money, I never received a money order, and that my money still resides in Chase bank.

Company response to consumer: Closed with explanation