vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: AZ

Complaint narrative:
I called to request a replacement card. I stayed on the phone for over 2 hours verifying my personal information, address, number, previous card numbers etc. When I was asked to provide old addresses I was not able to do that. For this reason, I was told to " go and figure it out. '' I have tried everything I know to do to get a replacement card. I am XXXX. I do not have money for food or housing. I have not had access to my benefits for more than 2 weeks. Direct Express does not care about us! 

Direct Express is the worse company to work with. They will not allow my advocate to assist me with getting my card. I receive XXXX XXXX  along with other medical and XXXX XXXX  assistance. It is very unfortunate that the people working at Direct Express are not expected to handle those of us who have a XXXX with better care. I am asking that you please assist me with getting a replacement card so that I can take care of my basic needs. Direct Express will not help me. I can provide proof of identity if needed. Direct Express will not even speak with a representative from Social Security who can confirm and validate my benefits. I have tried everything. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: TX

Complaint narrative:
I tried to borrower {$3000.00}. I was directed to this site and it initially said 3-35.5 % interest. When I filled out the loan app it came back at {$2500.00} for 35.5 % interest. I agreed because I knew I was paying it off with my XXXX paycheck. When I received the contract to sign, the interest rate was changed to 538.42 %!!! The re-payment schedule was {$510.00} bi monthly for the next 16 months! A total of {$16000.00} to borrow {$2500.00}! The BIGGEST issue to me is that I was quoted 35.5 % interest. NOT 538.42 %! What if I had just trusted them and signed without reading the fine print and all documents? I did NOT sign but wanted to report because I feel strongly that this is predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied to an apartment paid with my bank account. Then they said they refunded the money to my account, which I never received. I went to a branch and they said my account was closed XX/XX/XXXX but theres no record of anything. Nor was I notified about it being closed.

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 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I received an alert from a credit monitoring company on XXXX that an account had been closed and asking me to confirm I closed the account. I checked and it said my First tech credit card had been closed. I had not closed the account and thought it must be a mistake because I have a 100 % on time, payment record. I logged into my account and found it had indeed been closed. 
I sent a message to customer service on XXXX inquiring why my account had been closed despite a perfect payment record and significantly reducing my usage of that card. On XXXX I received a scripted response that my account had been closed based on performance or credit score monitoring per my agreement. I sent a reply to the scripted message but have not received a response. 

I attempted to access my agreement but it will not download, though I do not recall a particular score necessary to retain my account, only that my interest rate can be adjusted if my credit score changes. My credit score has reduced a few points due to paying off an unsecured loan and a store credit card closing because the company went out of business though the store card had a small credit limit of {$700.00} and a tiny balance. 
My credit score is not much different than when I opened the First tech credit card, so I was very surprised it was closed considering my 100 % on time payment record. 
Further I had a $ XXXX credit limit with First tech and them closing my account resulted in an immediate XXXX point decrease in my credit score as it significantly reduced my available credit which significantly affected my credit usage percentage. I expect my credit score will be further damaged as a result of their UNFAIR closure of my account, again with a 100 % ON TIME payment record.

I could understand a credit limit reduction or rate change IF my credit score was significantly different from when I opened the account or if I had a late payment but neither of those situations apply to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
In XXXX, I submitted a consolidation loan ( XXXX and graduate ) to MOHELA at their recommendation. Upon completion, I had filed for the XXXX plan after discussing it with them, as I am a single father, making {$50000.00} a year. I was finally told in XXXX, after months of being told they do not know what is going on, that they will " elevate '' the call, that the reason the XXXX  application kept getting pushed is because it was filed as a " LEVEL '' plan and not a XXXX. Come to find out, the " elevating '' meant nothing as each representative could not find the others representatives ticket. 

Then, I had to repeatedly get administrative forbearance because MOHELA was facing delays in processing. 

I am trying to qualify for a mortgage. My mortgage lender needs and XXXX plan with an amount or a XXXX month forbearance letter. I spent almost an hour on the phone today, being reassured I would have this letter tonight. I called at XXXX only to be told it may or may not be there tomorrow, we can not make any guarantee. I told them I wanted to speak to a supervisor. I waited and was told I got permission to move on to the next level. Then I get an automated message saying that they would call me back in two days. 

MOHELA is engaging in deceptive practices and I am about to file a lawsuit dating back to XX/XX/2023. I am getting the runaround with this company and I am tired of it. Now it is going to prevent me from getting a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : 11 Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX  Balance : -

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 2024-02-10 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 

Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
For 2 payments Aidvantage has not applied the correct amount taken from my bank to the loan. I have asked for this to be fixed over 6 weeks ago on XX/XX/XXXX. I had to call 3 times before someone actually helped me with it, the first two people that I spoke with hung up on me after learning what the problem is. Finally, I got through and submitted my bank statement for them as requested as proof that they took the extra amount from my bank. They told me it will take 4-6 weeks to fix. Now, we are outside of that time and not only is the issue not resolved, but it has actually gotten worse because they implemented a payment reversal on one of the payments ( more detailed info below ). I tried calling again today to get the problem resolved and I was once again hung up on once the representative realized what the problem was. I have also been requesting this all to be in writing or done through email throughout but they are refusing. 

Payment 1 : XX/XX/XXXX - {$200.00} was taken from my bank account but only {$100.00} was credited to the loan. Later, after I spoke with them on the phone about the problem, a payment reversal was done on my account that removed the {$100.00} that they had credited on the loan. So now the full {$200.00} that was taken from my bank account has not been applied to the loan. 
Payment 2 : XX/XX/XXXX - {$100.00} was taken from my bank account but only {$75.00} was credited to the loan. No payment reversal on this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: IN

Complaint narrative:
{$150.00} - XX/XX/XXXX- tried to get refunded from CashApp {$850.00} - XX/XX/XXXX. - tried to get refunded from cash app {$600.00} - XX/XX/XXXX- tried to get refunded from cash app and requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act Capital One, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
BEST BUY/XXXX  XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: PA

Complaint narrative:
To whom it may concern, I, XXXX XXXX XXXX, never gave ( TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries & 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

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 2024-02-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has 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 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 explanation
Consumer complaint received 2024-02-10 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: IL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation