vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
In addition to the following information Experian is in violation of 15 U.S. Code 1692g - Validation of debts ; I sent a dispute more than 30 days ago and according to federal law they must remove the disputed information for not providing me with documentation to prove the validity of the alleged information. I kept record to prove they received my complaint - Tracking Number # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be blocked from my credit report in accordance with my rights under the aforementioned law. 
Attached to this letter are copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.

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 2023-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have talked to US Bank on XXXX different occasions to get a release of lien letter for a lease that was satisfied in XXXX. The tracking number for the issue is XXXX. This started in XXXX and I have still not been able to get the requested information from them.

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
Mohela has been giving me the run around since XX/XX/2023not counting my student loans towards PSLF. There are saying I only have 95 loans towards Public Service Loan Forgiveness. When I know I should have over 120. The company want to bring up my XXXX XXXX, when I showed proof that student loans doesn't qualify towards XXXX XXXX and clearly states paid outside the plan. Meaning although I am in XXXX XXXX I still have pay for my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
I have unauthorized inquires to my credit report. I was never made aware about these fraudulent inquiries. These inquires are a result of identity theft and they must be removed no later than four business days as per 15 USC 1681 c-2

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 2023-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I received a loan check from my 401k investment account for {$1000.00}. I deposited the check around XXXX using my mobile app through Wells Fargo . The {$1000.00} was available immediately and was able to use it with no hold placed on the check. The following day at around XXXX my account goes from $ XXXX to - {$290.00} due to the check being placed on hold after it had already cleared and now my bank won't release the funds until XX/XX/2023.

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 2023-11-01 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Nelnet reported the payments I made towards my loan as a credit line decrease. I do not have a line of credit with Nelnet, I have a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My wife and I have a business account with Bank of America, named XXXX XXXX XXXX XXXX, account number XXXX, that receives monthly deposits every month. My wife and I were on a business trip, and was shocked to learn that we no longer had access to our business account via the mobile app. The account had been closed WITHOUT our authorization, for supposedly being negative {$50.00}. I have attempted to contact Bank of America 's customer service multiple times to resolve this issue, but I have not received any satisfactory response or explanation for the closure of my account. This sudden closure has caused significant inconvenience, damages and disruption to our life and business operations. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Bank of America rectifies this situation promptly. I expect the following actions to be taken : 1. Provide a detailed explanation for the closure of our business bank account, along with any and all IRS forms submitted to the Internal Revenue Service ( IRS ) in relations to said account for all calendar years.

2. Rectify any errors or inaccuracies in the account closure process and reinstate our business bank account immediately.

3. Compensate use for any financial losses or damages incurred as a result of the unauthorized closure of our account.

4. Ensure that Bank of America improves its customer service and communication channels to prevent similar incidents from occurring 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX  SSN : XXXX IQ Data International Report Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. I reached out and requested proof of original ownership, my signature, and a license to collect in my state. I also contacted the original debt collector who stated everything was destroyed XXXX years ago and they are not obligated to keep anything past XXXX years. The following alleged collection account is listed as having a PAST DUE BALANCE of {$1300.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. 
According to Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter in the mail XX/XX/2023 in regards to someone applying for a credit card in my name. I have not applied for any credit card with Bank of America nor anyone else. 
Reference XXXX XXXXXXXX Dated XX/XX/2023 XX/XX/2023

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 2023-11-01 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: CA

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.

has violated my rights. Or a list of inquiries : 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 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 2023-11-01 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: CA

Complaint narrative:
I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX, XXXX {$27000.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}

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 2023-11-01 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: KY

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

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 2023-11-01 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: KY

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
Optum Bank, XXXX XXXX. I wrote XXXX checks between XXXX and XXXX All the merchants indicated the checks were returned by Optum Bank. Upon contacting Optum Bank and reviewing notices posted within my online account, I could not find any notice that paper checks can no longer be written. When I asked why, they said to check my email on file ( XXXX ) and my spam folder, and that this change went into effect on XXXX I checked and did not find a notice. I still do not see any notices posted within my online account. Nor do I see any notes within my online bank account that these checks were listed as returned. Poor communication and lack of notice has caused us to suffer returned check fees from our merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: GA

Complaint narrative:
Experian Information Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft I recently obtained a copy of my credit report from Experian and found a discrepancy that I did not authorize and have no knowledge of. The account in question is : - Account Name : XXXX XXXX - Account Number : XXXX - Reported Date Opened : XX/XX/2023 - Reported Balance : {$340.00} I am writing to inform you that this account is fraudulent, and I have not authorized the opening of this account nor any transactions related to it. This is a clear case of identity theft. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am formally requesting that you block the reporting of this information and remove it from my consumer credit report. According to the law : " No consumer reporting agency shall furnish for employment purposes, or in connection with a credit or insurance transaction or a direct marketing transaction, consumer report information that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( a ) appropriate proof of the identity of the consumer ; ( b ) a copy of an identity theft report ; ( c ) the identification of such information by the consumer; and ( d ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX in XX/XX/XXXX. When I applied for loan forgiveness I included employment verification for three employers : Exploratorium, The XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I reached out to MOHELA via phone and email message because I noticed that my loan payments made during my employment at the Exploratorium were not being counted towards my 120 required payments. I was told to " give them some more time '' to process the application and that those payments should appear in my account in the next few months. 

On XX/XX/XXXX, I emailed MOHELA to ask about the status of my XXXX request. I did not receive a response. 

On XX/XX/XXXX, I called MOHELA to ask about the status of my request. I was told by the customer service person that the payments I made during my years of employment at the Exploratorium SHOULD count and that my case was being " expedited '' so that it could be resolved before repayments were scheduled to start at the end of XXXX. 

I did not hear back. And nothing was fixed. 

So I called MOHELA again today, XX/XX/XXXX. After waiting 90 minutes for a call back, a customer service agent reviewed my files and said she wasn't sure why the payments in question weren't listed on my file. She put me on hold to talk to a supervisor in the Processing Department. She then came back and told me that the supervisor she was speaking to suggested that she transfer me to a different supervisor. She transferred me and a recording said to " please hold '' and I have been on hold for more than an hour. 

I have been fighting this fight for more than a year, I did everything I was asked to do, my application was completely in order, and I haven't been able to get this problem fixed despite numerous attempts and hours of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I created a {$51.00} check to be sent to XXXX XXXX through my bank Chime on XX/XX/23, but I realized it would take too long to get to XXXX XXXX. Since the bank is virtual I have no physical checks, the physical check is made and sent by Chime for me. I called into Chime customer support the same day on XX/XX/23 and the support representative said were able to stop sending the check and sent me a confirmation email that the check had been cancelled. However, on XX/XX/23 I received an email from Chime that my check to XXXX had been cancelled. Ive called in and received various emails from support ( all the same irreverent response ). But they have not been able to remedy their mistake. I should not have to lose {$51.00} because of Chimes mistake.

Company response to consumer: Closed with monetary relief