vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
CFPB, I stopped using the XXXX XXXX platform in XXXX  because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. XXXX XXXX never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the XXXX XXXX platform in XXXX  . 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$230.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX  and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST https : //cedarsbiz.com/ Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/23 I received notification from MOHELA that I was on the SAVE plan. This is great because I was on IDR before and on PSLF track since I work for the state. For the consolidated loan my bill was {$0.00}. However, there was only one loan listed on there. I asked them what about the others because I have more than one loan on the account but the total due said something around {$210.00}. I received a notification back to give them a call to discuss this after asking this. I tried. I am unable to get through on the phone. 
On XX/XX/23 I emailed again because I am unable to get through on the phone. I was on the SAVE plan and then suddenly without warning I am on the LEVEL plan and my bill triples! I have now tried contacting them multiple times via phone and email. Both go unanswered. I have sent additional emails on XX/XX/XXXX and XX/XX/XXXX and still have yet to receive a response. I recently resubmitted my IDR documents on the XXXX website since they took me out of SAVE and still my payment is showing double what it was and I can't seem to get anyone on the phone or to answer the emails to find out what's going on. I am not going to be able to make the payment they are requesting and I can't even get in touch with anyone about that. They have no problem sending me a bill and changing things on me without warning but they are not able to answer? I am so frustrated with this whole process. It's bad enough they won't count half my time as a public service worker for the state towards my PSLF progress, to have these troubles on top of it is just absolutely ridiculous! I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist denied a Fraud Claim stating that I have received benefits from the merchandiser. 

A family member clicked on a XXXX ad to what they thought was a Fall Sale for XXXX XXXX. 

The site was copied to look exactly like the official site. 

Upon receipt of an confirmation the email looked off. 

We called XXXX XXXX who informed us were frauded. 

We immediately called Truist on XX/XX/12 at XXXX within XXXX minutes of the confirm They told us it was too late to stop and to file a fraud Trusit rejected the claim stating the merchant stated we received the claim- a company called XXXX they failed to close the account as requested and left XXXX as a recurring payment. 

We are seeking the return of our {$190.00} for the fraudulent denial of the claim

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
XX/XX/2023 I wasn't notified of any negative information on my report but I decided to call in and get the status of my report seeing as the HR department had already received my report. When I went to review the information on the background check dashboard a few items were disabled and none of the information told me anything about what my background check entailed.

So that's when I called in. Turns out they weren't following the local background check laws on reporting. 

So I filed a dispute for my background check, because under local laws in Kentucky pending cases are not reportable. I asked for updates regarding the dispute and was on hold for a total of 12 hours between the 3 days. As I am typing this It is now XXXX and I am still on hold with some customer advocacy department. The department refused to tell me if they had disclosed the background check results yet ( which they denied they did already turns out they said they did ). I couldn't figure out what part of the background check process I was in. At the end of the call before I was put on hold again for the 10th time to be transferred to a different department of which this was 4 different departments I was asking for information on why the company refused to follow Kentucky laws. The only thing I was told over the phone that it was denied and client adjudication was the reason? I don't even understand what that means? Do they mean their internal processes or the processes of the empoloyer preempt local laws? I even sent them a link and a screenshot of the state law. They refused to elaborate further insisting I be transferred back to a different department. 

I just don't understand what reporting agency isn't required to follow local laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

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 2023-09-22 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: FL

Complaint narrative:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have been paying for an 70 % title loan. My car is used and have two loans against my car. The value of my car is {$11000.00} and now have {$16000.00} in loans agina my car. I have been for these loans since 2019 and submitting financial records of such payment. Can you assist in lowering the interest rate has this is a Predatory Loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-09-22 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-22 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: VA

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystems is unable to dispute an account with XXXXXXXX XXXX  I never did business with this bank or applied for it .. the account is closed and paid in full and I want this account to be disputed and have the negative status removed off my account I never lived at XXXX XXXX XXXX XXXX Texas XXXX and Im asking for this address to be removed.. 

Also XXXXm disputing two accounts with XXXX XXXX and XXXX XXXX XXXX as identity theft I send in. FTC report but Chexsystems refused to honor it.

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 2023-09-22 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
XXXX : Has a past due account from XXXX XXXX that shows a delinquent status. I dispute the account and it was removed On XX/XX/2023 report. XXXX then put the account back on my XXXX report. A direct violation 15 USC 1681. XXXX also, failed to notify within the 15 day window as to why the account was put back onto my credit rep report. How was the investigation done. This is having a direct effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to see this anymore it causes me problems with my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 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: VA

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 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 2023-09-22 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: United Revenue Corporation
State: TX

Complaint narrative:
I am demanding that the account UNITED REVENUE CORP XXXX is removed from my credit report due to FDCPA violations, HIPAA violations, and violations of the No Surprises Act. You are reporting a balance that is much higher than the balance I have with the original creditor. Any medical collection under {$500.00} is to be removed from consumer credit reports which I am sure you're aware of. I also received nothing informing me that the account I had with the original creditor was being sold. How is this not illegal and gross misconduct? I am entitled to {$1000.00} per violation. At this time, I am only requesting the removal of the aforementioned account. My email address is XXXX for verifiation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped..

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 2023-09-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citibank checking account was hacked in early XXXX of 2023. Three fraudulent checks were deposited to the account by an unknown person on XX/XX/XXXX. Four Zelle payments were paid by an unknown person on XX/XX/XXXX. I found out on XX/XX/XXXX that this had happened when I tried to access the account on my phone and my computer, and it had disappeared from the list of accounts. All of the checks bounced resulting in an overdraft of the account. The bank took over {$3000.00} from my savings to cover it. I was not aware this was going on until the damage had been done. I was not involved in any of the transactions nor do I know who did this. I have just requested my fourth investigation because I don't know what they did during the previous three investigations. I was told the information was encrypted for my protection. I have reported this to the police, the Attorney General of Illinois, and frozen my credit bureau accounts. I am very frustrated by customer service, and angry about being made to feel like a criminal instead of a victim. I would like the funds restored to my account. This has been going on for almost 4 months. I have talked to over 30 people in customer service, have been to the bank numerous times, and have a stack of letters and documents. i don't know where to turn

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 2023-09-22 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: MD

Complaint narrative:
Equifax is reporting my balance due as {$4700.00}. I told them that its incorrect. Also the representative read me an incorrect address which I asked her to fix, she refused.

Company response to consumer: Closed with explanation