vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
First, I searched the telephone number for Mohela and due to the difficulty to contact them, I try the number XXXX that appears to be from Mohela. The assistant answering the phone had a XXXX accent and provided me with her name and her Id number. Unfortunately, i was not able to copy her name and the apparent ID number, because i was driving ; she ask me first the account number which I did not have and she told me that with the social security number she will retrieve it. So, I did provided to her, she started asking me for my salary and the name of my employer, I told her that I had received a letter from Mohella like two months ago which I was not so clear how much it was my loan debt. The letter was sent to me because I applied for the alignment Forbearance for my loan due to the XXXX. She told me that there were different programs that she could help me to rid of my loan and that I had to do it soon as possible due to the period of to do it is at the end of XXXX. The she told me that I had two options, the first one to pay a total of {$690.00} and the second to pay it in two payments. I told her that my debt was about XXXX and what will happen with the rest of my debt then she told me that once I was able to pay one of the two options, every month i will receive a statement of XXXX dollars, so i did not have to pay anything else. Finally, in order to start the process, she asked me my driver license number which I truly believed that I was talking to a real representative from Mohela, also she asked me for two reference persons which I provided their telephone numbers and their names. What really make have some doubt was when she asked me again how I was going to make the payment, she suggested me credit card. I know that usually government agencies for these purposes never ask payments with credit cards. So, I decided to lie her that I do not have any credit card with me, then I told he that I was going to call her in XXXX hours because I have to reach my home first. Therefore, around XXXXXXXX XXXX. she called with apparently her personal phone number ( XXXX ) which make feel more suspicious about the lady because usually this are not working hours for a government agency. I did not answer, and I decided to call from the number that appear on the letter I received from Mohela and luckily, I was able to talk to a XXXX representative and I was able to explain the situation about the possibility of a fraud and who provided me with all the information where I could request my inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent affidavit with recision of contract to my finance company XXXX XXXX XXXX, due to the FDIC rules and regulations that were violated with my contract through the dealership. I'm enclosing all documents and correspondence I've had with them. They sent me a response on XXXX with my contract saying I signed the contract so I had to pay. They then sent another letter on XXXX that suggest my rescission of contract was a scam and that I was still liable for the remaining balance. On XXXX they sent me a repossesson letter for balance of {$4100.00} by XXXX. I then sent them a XXXX form on XXXX but I forgot to sign the back so I sent another one on XXXX that was signed on the back along with a XXXX form. They then responded back with a letter XXXX saying a XXXX form was for a mortgage and my debt is not cancelled or paid or forgiven by the United States Treasury department. That's why I'm filing complaint with you. I'm trying to upload all of my documents but it's not letting me do it, can you please send a email or portal to send my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I opened investigations with Experian for reporting a bankruptcy on my public record credit file. Experian has repeatedly refused to delete this file. They have claimed on multiple occasions to certify this account as being accurate. They claim the certification comes from The XXXX Bankruptcy Courts of XXXX as being the company that certified its accuracy. I know for a fact this claim to be false. I have reach out to the bankruptcy courts. They have given me a letter that contradicts what Experian claims to have happened with contacting them for certified validation. The letter states, they do not report, verify or validate information to the credit bureaus. Experian continues to lie about the validation of this public record. Without giving any valid proof of doing a full and reasonable investigation into this matter. I will attach copies of every I have with this 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 explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that Experian is reporting with ( 2 ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( XXXX ) XXXX past due. I mailed the XXXX XXXX XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on 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 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
The Following accounts listed, I am unaware of : Accounts XXXX. XXXX XXXX XXXX {$700.00}, account # XXXX [ unverified, This account does not belong to me ] XXXX. Credence Resource Management {$870.00} account # XXXX [ unverified, This account does not belong to me ] XXXX. XXXX {$610.00} Account XXXX [ unverified, This account does not belong to me ] XXXX. XXXX XXXX XXXX {$180.00} account # XXXX [ unverified, This account does not belong to me ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. 

List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code XXXX XXXX-right to rescind after 3 vears iffescind paper work was never furnished Is U.s. code S 16356 - right to reseind and keep the property 15 U.S.Code {$1600.00} - Tinance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint to Equifax on Wednesday XX/XX/2022 about XXXX fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, 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:
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 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ending 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 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ Dear Consumer Financial Protection Bureau, I am in search of housing and need a credit score. The above mentioned are interested parties. I am unable to pay for a credit score, as I do not seem [ yet ] eligible for a bank account. I was furloughed and have not yet been able to make it back to my office. 

Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX I called FIDELITY XXXX XXXX VISA at XXXX spoke to a Rep. to reqeust {$14000.00} overpayment refunded back to my home address. 
Next day XXXX, I called back to confirm, I was told that I had to wait for 14 days for them to review and cut a check mail to my home address. I asked the Rep. that Fidelity VISA needs to keep my money for 14-day, the rep. said she had no idea. 
I continuely called them for 6 times, spoke to different Rep. and their supervisors ; but none of them were able to answer my qeustion but just asked me to wait for 14 days. I reqeusted to have their payment research department manager to call me back to discuss, none of them called me back since. 
On XXXX, without my consent, all the suddent, I received a letter from XXXX from their payment research department indicating that without my consent, she sent {$14000.00} to another fianncial instituation where I did nto owe money to ; not only did she not sending money to my home address, neither the dollar amount was not my original reqeust ( I only reqeusted {$14000.00} ). 
The same day I called again 7th times spoke to their XXXX XXXX, she still had no idea why XXXX did that and told me that a supervisor will call me back ; but no one called me. 
Then, I called the other financail instituation, they said since I did not owe them money, they can not accept money from Fidelity VISA.

FIDELITY VISA is practiceing business illegally, they did not comply my original request, refused to return my money reqeust back to my home address and refsued to provide a reason why per my reqeust; but took 14 days to do illgal action, without my consent, which was never my rerqeust originally.

I'd like to have the comsumer affair dept. to investigate FIDELITY VISA and reqeust FIDELITY VISA to refund my money {$14000.00}, plus intersts of 10 % for holding my money this long of {$150.00}, total {$15000.00} mail to my home address no later than 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting an account from a company named XXXX XXXX that I disputed. They say the XXXX account is verified as accurate. However, I don't have any letters or statements from XXXX XXXX regarding the account. The account is reporting Not_More_Than_Three_Payments_Past_Due ; which is affecting my credit rating. I don't know what this account is. The reporting on the account is sporadic and inconsistent & doesn't make sense. There is no Credit Limit information reported from XX/XX/XXXX ( when Equifax says the account was opened ) through XX/XX/XXXX to verify. Additionally, there is no, Balance ; Credit Limit ; or High Credit info from XXXX XXXX XXXX. But Equifax says the account was open during that time. There isn't Actual Payment info for the entire time the account has been open however there is Payment History reporting from XX/XX/XXXX- XX/XX/XXXX. Equifax is reporting the : Amount Past Due was 1st reported in XX/XX/XXXX & theyre also reporting the Date of First Delinquency as XX/XX/XXXX. Again sporadic inconsistent reporting does not comply with the FCRA. Based on the reporting inconsistency of the account, Equifax is not reporting complete accuracy. The account # ends XXXX I dont have an account with any combination of those 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: MI

Complaint narrative:
Kept calling me and my family members on a debt that I have no clue about. Advised credit card was compromised and was supposed to be closed for fraud charges. Advised was written off as it was not my debt by somehow still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
i already paid the indigo card. paid it XXXX XXXX i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, 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:
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 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