vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
In XX/XX/XXXX I was notified my info was breached in the EQUIFAX DATA BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus. 

In accordance with the Fair Credit Reporting Act. The accounts below and credit bureaus has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

XXXX XXXX {$10000.00} address XXXX XXXX ND, XXXX DELETE this address and incorrect DOB XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX The info above you have on my report are inaccurate and want them deleted. 
I have attached a copy of my credit report showing your inacurrate and blatant violations of my consumer rights. 

My correct info. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: NJ

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I signed up for a one time credit report on XX/XX/2023 for XXXX dollar..and cancelled it a few days after because i had the option to cancel after 7 days so i would not be charged every month for {$29.00}. Well low and behold they charged my c ard for {$2900.00}. I called PNC Bank -- the issuer of the card and filed a dispute as soon as i saw my statement on XXXX XXXX 2023. 

This credit monitoring business is a scam. As soon as i saw the charge on my PNC bank card I immediately called and filed a dispute. I get a letter from XXXX XXXX dated XX/XX/2023 on behalf of XXXX XXXXXXXX XXXX. I have no idea who XXXX XXXX is but they denied my dispute, The card says PNC bank on it. 

XXXX XXXX is allowing these scam outfits to make false charges. I dont know who XXXX XXXX is or XXXX XXXXXXXX XXXX XXXX  My card that was charged was issued by PNC Bank visa.. I cancelled my card and was reissued another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have look up the ATM Fee Free locations for my Debit card on American Express app. I was told XXXX XXXX is participating in ATM Fee but when I went to use it, the bank charged me {$3.00} ATM fees. I called Amex and explained the issue, they looked up the institution and agreed that they are ATM Fee Free and agreed to give credit and create a dispute case. But I wasn't given any credit despite me calling them many times. This is a proof of systematic and intentional deceptive / fraudulent practices by American Express Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple attempts to contact XXXX, Equifax, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and XXXX indicate that the account is in collections, Equifax states that it is 120 days late. Additionally, Equifax reports the last payment as XX/XX/XXXX, whereas XXXX and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. 

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: TX

Complaint narrative:
I have made multiple attempts to contact XXXX, XXXX, and Experian regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and Experian indicate that the account is in collections, XXXX states that it is 120 days late. Additionally, XXXX reports the last payment as XX/XX/XXXX, whereas Experian and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. 

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the 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 2023-12-31 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I have a inquiry from Credit Plus and I did not apply for any credit card or loans from no company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I went to the WELLS FARGO ATM in XXXX XXXX in XXXX XXXX to deposit a check from a friend, who by the way sends me a check every month same dates, give or take ( between the XXXX and XXXX ) and always for {$100.00}. Well, this time the ATM machine ate my check and gave me no receipt or any kind of validation of deposit. I called asap to report this and it's been all this time with NO updates and no one on the phone can give me any information. I've called several times. Today is XX/XX/XXXX and still NO money and it says in my account " CASE CLOSED '' what does that mean?? I want my money, it was a faulty ATM, not my error. 

Also my unemployment benefit money that I always receive 1 or 2 days after I submit my claim has not yet been posted. I filed on Thursday XX/XX/XXXX and it usually shows up the next day. It is in the amount of {$260.00}. This is unfair and I am so in need of money. I do not know what's going on, but I feel like they do not care. I am in desperate need of those funds. NO ONE IS ANSWERING MY QUESTIONS.....

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 2023-12-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses that's on my consumer report are non mailable residences please remove ASAP. 

Employer XXXX XXXX is not my employer and never have been please remove

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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
When student loan payments were going back into effect, I went to StudenAid.gov to view my options. They estimated consolidating my loans and participating in the SAVE program would be the cheapest and most effective repayment plan for me. Therefore, I opted to consolidate my loans and go with the SAVE program. After this step was completed, all of my loans where transferred to Mohela. They are now indicating I am to pay approximately $ XXXX, which is not affordable. They are also expecting me to make payments for the next 30 years even though I have been making payments for 6 years already. This is putting my total payments at {$130000.00}, my current balance is only {$70000.00}! I understand how interest works, but this is practically doubling what I currently owe. This is extremely frustrating, especially considering I have already paid off almost half of my initial loan borrowing. I called Mohela in attempt to resolve this problem. To my calculation, even with interest, it would be a lower monthly payment and a lower overall repayment to switch to a standard 10 year repayment plan ( even if that means I sacrifice PSLF ). I was told since I consolidated my loans, I am no longer eligible for a standard 10 year repayment plan, and my only options were to participate in a 30 year repayment plan, which significantly increases my monthly and my total overall payments. According to information about the SAVE plan on StudentAid.gov, " The maximum repayment period is capped at 20 years for those with only XXXX loans and 25 years for those with any XXXX school loans. '' 30 years is beyond the maximum repayment period. They are requiring me to make payments beyond the maximum repayment period. I am now stuck with an unreasonable monthly ( and total ) repayment plan that is as lengthy as a mortgage. During the transitional time of having my loans bought out by Mohela, there was a significant period of time where previous loan servicers and StudentAid.gov reported I had a balance of {$0.00}. It was also reported to all major credit bureaus that my loans had been paid off and the accounts were closed. It wasn't until a significant period of time later that I was finally contacted by Mohela about repayment. I feel extremely mislead about the status of my student loans, especially since the credit reporting is a major change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXXXXXX XXXX  and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX  I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXXXXXX XXXX 's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, 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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear XXXXXXXX XXXX and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXX XXXX  's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, 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 2023-12-31 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: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
XXXX, XXXX, and XXXX incorrectly show me listed as a joint owner on the Caliber Home Loans mortgage account opened XX/XX/XXXX 

Attached is documentation confirming my ex-husband assumed the loan in XX/XX/ after our divorce. 

I filed a dispute with XXXX in XXXX, but they did not fix the issue. 

I tried calling Caliber Home Loans customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I advised someone who contacted me from Portfolio Recovery Associates LLC on XXXX XXXX at XXXX not to contact me between the inconvenient hours of XXXX XXXX. I received another phone call from them on XX/XX/XXXX at XXXX which was a clear violation of what I had previously advised the day before. 

I have received repeated phone calls in the past from the same company & had advised them many times of inconvenient hours & their harassment, I had just failed to document all the prior instances to file this report until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am being denied for credit due to my credit scores appearing nearly XXXX points less on TransUnion in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while TransUnion is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. TransUnion of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via TransUnion is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.

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