vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: NV

Complaint narrative:
Several demands over the past XXXX  and you are still reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer.

Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: NV

Complaint narrative:
Several demands over the past XXXX and you are still reporting several inaccuracies in my consumer report pursuan

t to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: LA

Complaint narrative:
Hello, here is the email that they sent and this has already being disputed to identity theft. They are harressment with more XXXX. XXXX knows that I'm faithful and don't need this XXXX. 


McCarthy, Burgess & Wolff , Inc. ( MBW ) is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office hours are Monday through Thursday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXXXXX and Friday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXEST. 


Our information shows : XXXX XXXX referred account number XXXX to our office for collections. 
MBWs internal reference number for this matter is XXXX. 


The balance as of XX/XX/2023, was : {$1800.00} Since XX/XX/2023 until today : Interest, Fees, Costs : {$.00} Payments Made : {$.00} Credits/Adjustments Assessed : {$.00} Total amount of the debt today : {$1800.00} NOTICE : PLEASE SEE BELOW FOR IMPORTANT CONSUMER RIGHTS INFORMATION. 

Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My XXXX XXXX is on a year long internship with XXXX. Firstmark Services refuses to place the loan into forbearance status. I sent a letter from XXXX and completed required forms for account XXXX, yet payments continue to be deducted from my bank account. Firstmark has very confusing website information and it is difficult to understand how much is being deducted each month. Finally, in submitting documentation to Firstmark, they ask that sensitive information including social security numbers be emailed to them via non-secure email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Fool me once shame on me mentality here. This will be my 4th complaint about my PSLF counts not being updated in a timely manner. I wait a reasonable time period for MOHELA to update my counts, they dont. I file a complaint. I wait unreasonable amounts of time for them to address my complaint. During that excessive waiting period, my counts get updated. MOHELA responds stated my counts have been updated, case is closed. Im learning I need to file these complaints earlier. Until I am given the timeline MOHELA has from the Department of Education to update counts, I can only assume my counts are being updated only due to these complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pulled a credit report in some credit cards are on my report that I have no clue aboutcapital one for XXXX. XXXX for XXXX. Capital one for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I've had a one main financial loan before back in XXXX or XXXX I can't remember however that loan was for like XXXX but after they added on al the extra stuff I didn't want I ended up paying like XXXX and then they wanted me to take a lean against my already paid off vehicle in order to get the loan which I had to do! 

So right now I have a XXXX dollar loan I got from them im using to help pay for some other credit cards and XXXX other loans have thru XXXX XXXX. The same exact thing happened the lady forced me to sign up for stuff I didn't want too my payment went from XXXX bucks to XXXX bucks a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. XXXX for XXXX. XXXX  XXXX for XXXX. Jpmcb for XXXX. And a car loan for XXXX. I have no clue about these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. Citi for XXXX. XXXX XXXX for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Item was placed on my credit report with no knowledge of debt. I have never been contacted by Wakefield and associates or received any validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
On XXXX XXXX XXXX I spoke to XXXX and her trainer since she was in training. They both stated I would get PSLF credit for the admin forbearance. Currently XXXX shows as ineligible. In the MOHELA website it stated XXXX is eligible. Go figure, MOHELA counts my XXXX as ineligible. I have placed 2 other complaints about MOHELAs failure to update my counts. A month or so later the complaint gets addressed. Why do I need to file a monthly complaint to have my counts updated? Why is MOHELA not held accountable for their failures?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted I was in fact a victim of this Data Breach and Equifax has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: DE

Complaint narrative:
I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/year> an unauthorized transaction occurred for XXXX in the amount of {$330.00}. I got a fraud alert in a text message from my bank. I immediately called Huntington Bank fraud dept to report it, cancelled my debit card and got a new card mailed to me. I filed a dispute and they refused to refund my money. Someone I thought was from Huntington Bank called to verify an XXXX text that I received. Info given as I don't even use XXXX. I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 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: IN

Complaint narrative:
I contacted Experian to let them know they are reporting my student loans twice. Which make it seems as if I owe more money than I actually do. I informed them that the loans were transfered to XXXX and that XXXX is no longer my loan company. They told me that they reported to them. I informed them that they have not reported to them since last year XXXX of XXXX. Now they have updated the status as if they just reported to them this month of XX/XX/XXXX. Which is a total lie because it is closed out at 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 2024-01-20 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: CA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted I was in fact a victim of this Data Breach and XXXX has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted I was in fact a victim of this Data Breach and XXXX has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since XXXX Of XXXX  I have been neglected from overdraft Protection and have been paying fees that Bank Of America are lawfully obligated to pay on my behalf, Per the FCRA as a federally protected consumer I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Bank account with Bank of America 's have not received the proper overdraft protection via FDICs XXXX Insurance coverage.

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 monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Someone stole credit card out of mailbox and activated it and used it and they are trying to make me pay for 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Due to a misunderstanding my account has been blocked no access since XX/XX/2023 made several calls vistes in person submitted supporting documents trying to resolve this matter it went from bank no access after making several complaints funds finally got released now another department put account on hold asked for documents they were sent now have been waiting in the back office from TD BANK to grant access no response I have expenses that I need as far as CHILDREN to feed RENT and BILLS Ive never been this humiliated in my life over my own money Im reaching out for help I need to access my funds they keep giving me the run around with my account this has been since XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime Bank refuses to validate my government ID to regain access to my account.. 

As of XX/XX/2023 moving forward my SSI deposit has be stolen through unauthorized transaction Chime Bank refuse to dispute my case because my physical address for some reason does not accept replacement debit cards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
EdFinancial has not applied two payments I made on XX/XX/2023 ( see other complaint about that ). They admit they got the money on XX/XX/XXXX, but can't seem to post my payments and can't tell me when they will post these payments.

Unfortunately they have now issued me an incorrect 1098T showing interest paid from only one payment not the three payments I've made in XXXX.

Called to request they correct but just this morning I got email saying they issued my 1098T. It's still wrong. 
How can I file my taxes This is completely messed up Please do something

Company response to consumer: Closed with explanation