vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Credit Card was lost XX/XX/2023 new card was ordered and never received by me. All the transactions from XX/XX/XXXX forward were unauthorized fraudulent transactions that were not made by me. I have spoken to discover and the merchants. No resolution can be provided and I am being held responsible for transactions I did not authorize or make. There are transfer balances from XXXX and XXXX they show up as transfer balance that were also unauthorized and fraudulent transactions. I spoke to XXXX and credits were supposed to be given but they were not. XXXX was contacted per them it shows as the order was placed with my address and information however nothing arrived to my home. All these transactions and transfer balances are unauthorized and fraudulent and discover can not offer me a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: VA

Complaint narrative:
I find it unacceptable that there are public records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
On XX/XX/XXXX, I was notified by my student loan servicer, Edfinancial, that my grace period for my student loans was ending and that I would start to make repayments on XX/XX/2023. The problem with all this is that I am enrolled as a university student. Ever since that notification, I was back and forth with my university financial aid office and they gave me information and advice to contact my servicer directly and explain my situation. My financial aid office added that most likely my servicer would want me to fill out an XXXX XXXX XXXX XXXX to then take to my universitys registrar office but it was most important to contact them directly so they know of the error. I have tried via email, phone, and even live service chat over the course of the past several days but no one ever responded. The wait times for phone were astronomically long, going over XXXX hours. At XXXX point I was waiting for XXXX hours to see if an agent would pickup. Email was ignored for the most part and I didnt get a response in roughly XXXX days. Live service had no agents and multiple attempts of getting chat tickets would lead to the same result of there being no agents. XXXX still trying to get in contact with my servicer to tell them of my situation that is most likely a mistake on my servicers end but it has always ended in no contact ever being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: AZ

Complaint narrative:
All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. Individual Is constantly being harassed by XXXX XXXXXXXX sent by certain XXXX holders. Sharing personal information is illegal and fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
My Identity was stolen in 2020 and XXXX accounts were open via fraud. XXXX, XXXX and XXXX, all have been dismissed with prejudice in court and removed from my credit report. 

However, XXXXOPPSLOAN continues to report erroneous information on my credit reports. I've sent them the police report I filed and FTC affidavit certifying these accounts were opened due to identity theft. 

I'm attaching the information already sent to XXXX/OPPSLOAN and demand they remove this erroneous information from all credit bureaus immediately. 

I demand XXXX/OPPSLOAN provide the picture ID used to open this account. Signed contract, if Esigned, the IP addressed used per ESIGN regulations. 

Failure to provide this information is a violation on FCRA, FDCPA and UDAPP government regulations and may result in future court/arbitration actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-29 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I've submitted documents to Mohela to recalculate my IDR for payment starting back in XXXX on XX/XX/XXXX. I received correspondence via email from them that I needed to call them and additional info is required on XX/XX/XXXX. I've called everyday through today XX/XX/XXXX trying to get a representative. Each time I'm routed through the automated phone system until the system just hangs up on me and says goodbye. I have tried every method I can think of to get a hold of them. I have waited on hold hours to never be connected to a representative and have requested a call back only for the system to tell me an error occurred and I can't receive a call back at my number. So then I attempted to contact them via messaging thru their app/email, which I come to learn, does not exist. No messages can be sent through their website. This is absolutely ridiculous and the worse NON customer service I've ever experienced. There does not seem to be any way to resolve anything or get a hold of anyone to figure out my next steps. What am I supposed to do to fix this? It's unresolvable on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have never had any Wells Fargo credit cards & getting phone calls for 5+ years from XXXX & recently, since XXXX, messages for a " XXXX XXXX XXXX & been in Wisconsin since XX/XX/1995 & never known any XXXX! 

I changed my cell phone number 4 years ago or so to XXXX & phone calls followed me to this number! 

I sure won't change my phone number anymore. 

I registered my number on the donotcall.gov list once a year for at least 5 years & spoke with them on the phone quite a few times. 

I might have to call the XXXX Police Department to file a complaint.

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 2023-08-29 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
On XX/XX/XXXX, at XXXX I talked to XXXX XXXX and disputed a credit card debt. I talked with XXXX, badge # XXXX, and I instructed her to cease and desist all further communication. 

Today I received two letters in the mail from " Mullooly, Jeffrey, Rooney, & Flynn LLP. '' They claim to be lawyers but they make clear in the mailings that they want me to contact a non lawyer, which I find odd. Additionally no one picks up the phone number they list, and as far as I can tell they do not have any publicly facing phone number with an actual office and secretary like a real lawyer. 

My issue is therefore : 1. They should not be contacting me after I instructed XXXX to cease and desist all communications. Any communications from them are punishable under the FDCPA by a {$1000.00} fine per instance. 
2. They should not be pretending to be a law office unless they actually are lawyers, and it seems like this is just a crude tactic at intimidation, as they present themselves as lawyers but in the fine print they state they want me to talk to " a non-attorney debt collector. '' If they are a non-attorney debt collector they should not be using deceit to make it seem like a lawyer is chasing for a debt. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. Mariner finance was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX. I even asked Marinier Finance written proof that it was paid and it was denied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions 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 explanation
Consumer complaint received 2023-08-29 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: TN

Complaint narrative:
I have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the account : 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: TX

Complaint narrative:
My US Bank XX/XX/2023 statement balance was {$620.00}. I paid {$620.00} ( XXXX cents short ) prior to closing. I was charged {$8.00} interest. I called Customer Service and they said it requires supervisor approval b/c I paid XXXX cents short. This is a predatory lending practice. Bear in mind, their app does not ever show the remaining statement balance if you pay partial payments each month, so you're left to figure out that balance on your own. Many creditors like XXXX and XXXX show me what I have left each month so I don't make a XXXX cent error. I'm left with no choice but to believe that US Bank deliberately hides the remaining statement balance so they can profit from additional interest.

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 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I didnt receive any knowledge of this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my account 2 months ago. Had to do with a bad check and it was never deposited. I just want the remaining funds in my account which after two months they haven't released. They said they are concerned about {$3200.00} XXXX cashier 's checks ( about {$2400.00} currently in US Dollars ) and said it could be recalled up to a year. My response was fine, so release the rest of the funds. They won't so I'm filing a complaint. 

My name on the account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-08-29 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: AL

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 2023-08-29 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: CT

Complaint narrative:
XXXX XXXX  as recorded on tape and shown by the multiple deletions on my credit report admitted that they were reporting false balances on my credit report in ( error ), they said they would credit the account, they have not. They closed but have not yet credited the false balance, which is again damaging my credit score. XXXX has already admitted error.

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 2023-08-29 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation