vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: WA

Complaint narrative:
FORGIVENESS TIMELINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything before the year XXXX was forgiven XX/XX/XXXX Consolidation application by MOHELA MOHELA Consolidated all loans XX/XX/XXXX {$30000.00} XXXX XXXX, XXXX MOHELA receives my payment of {$23000.00} XX/XX/XXXX Letter from MOHELA saying XXXX loans are forgiven, apologies for the delay in reporting XX/XX/XXXX MOHELA emails, a new loan appeared and is already accruing interest. MOHELA emailed me saying that I now owe {$7300.00} plus {$20.00} in interest. 

XX/XX/XXXX I called Studentaid.gov and the XXXX says there is no debt remaining. 
I begin the complaint process through Studentaid.gov and my state ombudsman. 

XX/XX/XXXX The remaining debt appears on Studentaid.gov. There is no information presented to me on the websites showing where this student debt came from. 
Called STUDENTAID and spoke with XXXX. {$7300.00} is XXXX loan. Doesnt know why MOHELA didnt list the amount. 
She advised me to contact MOHELA and ask for money back in the hope that the loans will be forgiven in XXXX  years. 

Begin the process of trying to communicate with MOHELA. XXXX to XXXX hour waiting times on the phone, can't manage it. Try several times without success in reaching a XXXX. 

XX/XX/XXXX Submit the SAVE application for the second time ( the original SAVE plan application was submitted on XX/XX/XXXX ). 

Discover that MOHELA will not accept applications via online portal or fax, only by mail. No communication saying my application was not accepted via the studentaid.gov portal. XXXX communication from MOHELA. 

On XX/XX/XXXX, {$60.00} taken from my bank account. No warning by email, text, or mail by MOHELA, even though they have all these XXXX forms of contact information for me. Recived an email XXXX days later saying a scheduled payment is due soon! They already took my money. 

MOHELA has made several well-planned mistakes to prevent me from receiving XXXX 's forgiveness of my loans, paying {$23000.00} on my loans to have them dissolved completely ( this was my entire life savings ), and then 'finding ' {$7000.00} more and not communicating with me where these loans came from. I spoke to XXXX different MOHELA CSRs by phone, asking each if my loans were gone after making that large deposit. Each said congratulations, your loans have been paid in full! MOHELA is purposefully preventing me form honestly paying my loans off and receiving the loan forgiveness I was promised by the XXXX administration. 

Signed, XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: CO

Complaint narrative:
XXXX, a credit consolidation company has decided to go out of business and transfer debt to System & Service Technologies Inc. 

I registered for their online portal, set my custom password. I was unable to log in, with the web portal stating I need to reset my password. I successfully reset through the online portal, to then fail logging in with the exact password I just reset. 

I called in to SST to have them manually reset my password, which I then tried to use to login, which to no surprise FAILED AGAIN. 

I CALLED BACK TO SST AND THE AGENT HANG UP ON ME.

I have continued to receive email and text communications from the company, urging to pay my loan balance, however, I am unable to given the company CANT RESET MY PASSWORD.

The phone system the company uses, does not verify personal information like the automated IVR says, it transfers you to a human who then tries collecting your social security number and address. 

EVEN THIUGH THE COMPANY GIVE YOU AN ACCOUNT NUMBER, THEY DO NOT VERIFY YOUR ACCOUNT.

The online presence associated with SST is absolutely dirt poor, every online forum I found had many stories of the same occurrences happening to other people, if not worse.

Their website recaptcha does not work either, no SSH certificate on their website, overall I HAVE NEVER HAD CONTACT FROM A BUSINESS THAT SEEMS AS FRAUDULENT AS SST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.

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 2024-10-14 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: PA

Complaint narrative:
When I checked my credit report today, I was stunned to see inaccurate accounts that shouldnt be there. I always check my report, and nothing was wrong until nowthese discrepancies just appeared out of the blue. I tried refreshing the page, hoping it was a mistake, but nothing changed. Im asking for a careful review of the documents Ive provided so I can avoid this headache in the future.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My inquiries are incorrect that Equifax I have listed them below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the item in question because they found to be illegal and incorrect.

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 2024-10-14 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: Self Financial Inc.
State: IL

Complaint narrative:
Upon checking my consumer report, I came across some / most credit inquiries that I did not recognize, and unverified items must 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 

XXXX XXXXThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you. 

AARGON AGENCY INCXXXX This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In examining my most recent credit report, I discovered a number of accounts that were added without my permission. I request immediate removal and blocking of these incorrect entries.

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 2024-10-14 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: GA

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for its failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681I. On XX/XX/year>, I sent a letter to Equifax disputing multiple inaccuracies on my credit report, which are negatively impacting my credit profile. Despite being legally required to respond, verify, and provide proof of these accounts, Equifax has failed to do so in the time prescribed by law. 

In my letter, I requested the removal of the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite their obligation to provide a timely investigation, Equifax has not responded or removed the inaccurate accounts. According to FCRA, Equifax must : Notify the data furnishers within 5 business days of receiving my dispute.

Investigate the inaccuracies and correct or verify them within 30 days.

Provide written notice of the results of the investigation within 5 days of its conclusion.

This is my second attempt to correct these inaccuracies. I have spoken with a CFPB representative, who advised me to file a complaint if Equifax did not remove the inaccurate accounts. Additionally, I have retained legal representation to pursue action against Equifax for violating the FCRA, FDCPA, and for defamation of character.

I kindly request that the CFPB initiate an investigation into Equifaxs failure to comply with 15 USC 1681I and take the necessary actions to ensure these inaccuracies are removed from my credit report in accordance with federal law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I applied for a loan on XXXX and got denied. 
Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. 
They violated the equal credit opportunity act and consumer credit protection act by denying me my business credit. ( Code 12 USC 1431 )

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: CA

Complaint narrative:
I work XXXX an just opened an account with Wave, to process my client 's payments. One of my clients paid me {$5100.00} for work I completed two moths ago.

After receiving a bank transfer from my client, an ad agency, my money was frozen by Wave and I have been unable to access the money I was paid for completed work for the last 14 days. 

I have been given NO REASON why my account was flagged. 

I provided all documents requested, but have received NO UPDATE regarding when I can expect to have the issue resolved. 

I have been provided NO TIMELINE for when I could reasonably expect to access my money that I was paid for work I already completed. 

A cursory XXXX search shows this has recently become a problem for many with new accounts. 

It is obvious Wave is holding client money that has already been cleared in their Wave run bank accounts for extended periods, thus generating a profit for Wave from the interest accrued by client money they are illegally holding. 

Wave doesn't provide any information to user whose money they're holding XXXX. 

Wave also doesn't have any way to contact an actual person. Nobody responds to email, and now " chat '' a feature I pay for is being blocked so I can't chat with customer service. 

Thousands of dollars that belong to me are being held, and Wave refuses to update me about the situation, and I can not contact them. 

This is directly affecting my business and my livelihood. This company is obviously engaging in questionable, possibly illegal, definitely unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
I was really caught off guard this morning when I noticed inaccurate accounts on my credit report with no explanation. I check my report regularly, and its always been fine until now, but these errors suddenly showed up. I even refreshed the page, thinking it was a glitch, but the wrong accounts remained. I need the documents I submitted to be looked at carefully so I can stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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