vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: WV

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors 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 2024-01-30 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian fraudulent crooked company has closed XXXX complaints before XXXX and THEY DID NOTHING as usual And requested this complaint will be XXXX XXXX. AND 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-30 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I'm writing to complaint to CREDENCE RESOURCE MANA about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
This is a XXXX dispute and they owe me {$3000.00} that I finally gave up on collecting and switched carriers, this all happened during them trying to migrate me from XXXX to XXXX. It took a year for them to do that then they mis billed me several times and by the time my accountant caught up to it it was to late and I fought XXXX XXXX many times aboiut this. I will not pay this so please remove me to be collected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
I received the student loan forgiveness email in both XXXX and XXXX. EdFinancial not only cleared the $ XXXX that i still owed but added an addiional {$5200.00} to my principal. They then XXXX  out my total. However the XXXX was money i had already paid and they stated they were overpayments that my loans should have been forgiven already. Per EdF the US treasury was supposed to cut me a refund check for the XXXX. This activity was applied to my student loans in XXXX of XXXX. At this time i have still not received the refund check and we have no process to follow up on the check. I dont know if it was mailed to an incorrect address and or if it was fraudulently cashed. Please assist in finding out where my check is or who should be refunding me the money. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: AZ

Complaint narrative:
This is the second complaint I am filing against Mohela. The first complaint was filed on XX/XX/XXXX regarding incorrect information about a refund owed to me, and Mohela 's insufficient customer service in resolving this issue. I was owed a XXXX refund, and Mohela kept XXXX that I was owed only 4 % of this XXXX amount. This issue has not yet been resolved despite approximately a dozen phone calls to Mohela. 

I received a letter from Mohela dated XX/XX/XXXX that I would receive a XXXX refund within XXXX days of this date. It is now past 90 days and I have received no refund. I spoke with a customer service representative, whose name was XXXX, on XX/XX/XXXX. This phone call lasted over XXXX hour, with an overwhelming amount of time on hold. Additionally, XXXX, exhibited rude behavior, poor communication, and lazy listening. A customer should not have to calm an agitated representative. With that, XXXX was unable to resolve the issue of me never receiving a XXXX refund despite having a letter from Mohela. 

I was transferred to leave a message with supervisor who would supposedly call back at the end of the next business day. I expect no such phone call. As noted in my previous complaint, numerous phone calls have been disconnected with Mohela. Despite asking if they can call back, no representative from Mohela ever returned a disconnected call. 

I am aware that Mohela has over XXXX complaints filed against it, an impending lawsuit, and has had {$7.00} XXXX withheld for mismanaging loan repayments. I fully understand these sanctions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: MD

Complaint narrative:
XX/XX/XXXX I asked Experian who was reporting in accurate information to my credit report.! they told me XXXX XXXX XXXX! I had over 23 inaccurate information I had to dispute 15USC 1681B ( A ) you can not furnish a consumer report without written instructions from consumers whom it relates I have not given ( Experian ) this right and privacy at 1974 The FCRA 616 ( b ) states : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured not its harder for to get or apply for credit because of these violations on my 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 non-monetary relief
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-01-30 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.

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 2024-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The company was a scam. PayPal refunded the XXXX incorrect payment but not the other XXXX incorrect payments. I proved that the company was a scam despite the shipping information. The shipping information was provided but no delivery in was provided because there was no delivery and no REAL shipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To the best of my recollection - In XXXX XXXX XXXX  at the XXXX XXXX  ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a withdrawal was attempted and denied. I then proceeded to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was XXXX minutes away and attempted a withdrawal. This withdrawal was also denied. I'm assuming that the withdrawal amount exceeded the amount allowed to be withdrawn at one time. From what I can recall, I pulled into a car wash that same day and I attempted to call Citibank to get the issue resolved. I remember I had the flu at that time was frustrated when I called. I was told the account was froze and moved to the fraud department. Since that time I have called several times to resolve the issue. I was told that Citibank would mail a letter to confirm my identity and then the issue could be resolved. I have never received a letter and when I called back they offered no alternative to resolve my issue. At this point I am willing to fly to the Citibank physical location in Florida to prove my identity, but I am worried that they would say it has to be resolved by the fraud department.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX, XXXX, and Experian consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items 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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NY

Complaint narrative:
I deposited a check from my mother for {$600.00} on XX/XX/year>. It is now XX/XX/XXXX and the money is still not in my account. They said a maximum of XXXX business days and it is now been XXXX. I have Spoken to multiple Cash App representatives. And all they can give me is the same robotic response. That vaguely tells me my money is on the way. They have given me a date and time that my money should be deposited three different times now. All have come and passed. When I try pressing for more information All they tell me is that they can not give me more information now. If I press further they just close the chat. I feel like i'm being robbed by the XXXX XXXX itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America without my permision paid my line of credit

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-30 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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