vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
Equifax had a data breach which means everything on my consumer credit report was breached. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: PA

Complaint narrative:
The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect 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 non-monetary relief
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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:
in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: FL

Complaint narrative:
in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2023-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
After the last complain i made to advance America because of the loan that was taken out of identity fraudthe complain was attended to and solve, but I went in to apply for a loan, they wont welcome me and says not approved without any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
I want to open complaint on USBANK. 
I had FHA mortgage with USBANK. I sold property, got conventional mortgage and I have closed mortgage with USBANK. 
USBANK send me letter confirming all my outstanding debts are paid and mortgage is closed on XX/XX/2023. I currently have no open accounts with USBANK at all. 
Today I just received letter saying I owe {$180.00} on gold checking account I never had with USBANK. I am attaching picture as a prof. 
I has been contacted by debt collection agency and it harmed my credit score. There is psychological aspect also taking toll on me. 
This is clearly a big fraud for me. 
Looking forward for resolution.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Noticed I received an email stating my information was updated with Capital One. Didnt give it any thought thinking its spam, then received an email stating my card will be arriving next week. Called to have them look this up, little information was shared but they did confirm. Later today, received a text noting my email was updated. Called and they didnt want to share any information since it was currently under investigation ( which would take 90days ) My information was stolen, used without consent to open an account without verification, still on going and Im left here watching and waiting for 90 days for an investigation. I need to know what information they have and to be immediately removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I opened up a credit card ending in # XXXX for the purpose of having NSF coverage for my bb & t/ Truist checking account. The banker did NOT make me aware of a fee of {$450.00} annual fee. Had I been made aware of this fee, I would NEVER have opened this credit card account. In XX/XX/2023 I was charged {$450.00}. I rarely used this card and was receiving XXXXXXXX XXXX  at that time, so I did not see this charge until XXXX. 

Since that time, I have called Truist bank, Truist credit card & Truist rewards debt, multiple times, asking for a refund of this fee as I was NOT aware that I would be charged this amount. I have been to the bank in-person and have made additional calls still trying to get this refunded. 

As of XXXX, I lodged a complaint with Truist -- they refused to provide me a copy of the complaint - I was given a complaint # XX/XX/2023 XXXX with compliant. 

Since that time, I have been told that this card was " grandfathered-in '' - and its details, rewards, costs and info are NO LONGER on any Truist website.

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 2023-12-04 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: GA

Complaint narrative:
per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I got behind on my Indigo card account due to my husband 's illness and subsequent death. Was trying to pay off card, but couldn't. Indigo made me an offer of {$450.00} to pay off and close account. I accepted their offer and they accepted my payment of {$450.00} in XXXX, XXXX. Every thirty-forty days since, I have been receiving collection calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance on the card. In XXXX, XXXX, when the first collection call came in, I told them the card was paid off and the account was closed. " Oh, yes mam, we see that the account has been closed and there is no payment necessary. '' XX/XX/XXXX : another collections call, you still owe XXXX {$280.00} past due balance. No, the acct is closed and paid off. They continued to argue with me. The same conversation takes place about every XXXX days, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, and today XXXX, same conversation. I want this harrassment to STOP! I paid their price quoted me, they assured me the account was closed. Every month that this happens, they assure me " after checking your account '' that it is closed and there will be no more calls, yet, every month, I am STILL getting these collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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.
State: TN

Complaint narrative:
2 late payments have showed up on my credit report that are not accurate at all. I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. Please help me remove my late payments so I can buy a home for my family. I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/XXXX  ) & also ( XX/XX/XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XXXX XXXX, 2023 I received an email letting me know my account was frozen. I tried to log into my account and found that indeed I couldn't get in. I called the bank to try to fix the problems and had to wait literally two hours to get in contact with a representative. The representative verified it was really me by using the information I'd given the bank when I created the account ( passcode, address, ssn, etc ). He didn't unfreeze my account and instead gave me BMO Alto 's " backoffice number. '' I called the number and no one was available and their voicemail box was full. Now my {$900.00} are stuck in an account with a bank I've become highly suspicious of. I checked the internet for others with experiences like mine with this bank and I found a case of someone losing {$60000.00} just like I've lost my {$900.00}. I'm so grateful I didn't have {$60000.00} in my account, but {$900.00} is still money I worked hard for and don't enjoy losing this senselessly. I've really learned my lesson about not trusting the internet for bank recommendations. What a disaster!!! I'm so, but so upset!!!

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 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I paid off the remaining balance on my student loans on XX/XX/. I reached out the week of XX/XX/, as I could no longer could log in to my account. It seems the blocked my access to the portal but sent no confirmation that loans were paid off and after 30 days, the student loans are still showing on my credit reports. I am waiting for the credit report to be updated before I apply for mortgage. They are dragging their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: Nelnet, Inc.
State: OH

Complaint narrative:
In accordance with The fair credit reporting act 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 {$1000.00} has violated my rights 15 u.s.c. 1681 section 602 A states I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXXXXXX XXXX and XXXX have violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: MA

Complaint narrative:
Subject : Dispute of Inaccurate Collection on My Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute a collection account XXXX XXXXXXXX amount : {$1700.00} date opened : XX/XX/2023 that appears on my credit report, which I believe is inaccurate and does not belong to me. 

Upon reviewing my credit report, I noticed an entry for a collection account under my name. However, I have no knowledge of this account, and I believe it has been mistakenly associated with my credit profile. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection entry from my credit report. I have attached relevant documentation supporting my claim, including evidence of payments and any other pertinent information. 

I understand the importance of maintaining accurate credit information, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter. 

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 2023-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carvana Group, LLC
State: CA

Complaint narrative:
XXXX refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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:
THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-04 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: MO

Complaint narrative:
A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to XXXX  in XX/XX/2023 and have resided here since. Upon leaving XXXX  I paid all debts in full in term of utility bills, XXXX XXXX  was included. There was no unpaid balance. I did not open any account in 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 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I qualify for PSLF. I have submitted the needed documentation over the years. Well I have finally met the XXXX payments. The PSLF tracker though is stuck on XXXX payments. I have resubmitted my employment verification twice but MOHELA has not updated my account. I am now over XXXX payments and still having to make them because of their error. When I try to go to the federal loan site, it says that I have not yet made all XXXX payments, therefore I can not apply for the forgiveness. 

I would like the tracker updated, the loans forgiven, and a refund of both payments over XXXX and amounts paid during the pandemic pause. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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.
State: TX

Complaint narrative:
The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, Equifax, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.

Company response to consumer: Closed with non-monetary relief