vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: UT

Complaint narrative:
I have disputed this on my Experian credit a few times, the last time being XX/XX/XXXX. Like the previous times, they have declined to remove it from my credit. 

2 items that should be shown as paid, balance {$0.00}. 
Dept of Ed XXXX, amount of {$51000.00}. Paid in full on XX/XX/XXXX. 
Dept of Ed XXXX, amount of {$6200.00}. Paid in full on XX/XX/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 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Yesterday ATM attached to my bank, ( Santander Bank ) malfunctioned after counting my {$470.00} cash deposit. It read can not complete and spit my card out. I immediately pulled up, parked and ran in to tell teller. Teller told me she cant help. Call customer service #. I did that immediately still at the bank. Was told by customer service they would look into it. Will take up to 90 days. May qualify for a provisional but not sure. Called today and was told nothing more other than they will try to get this straightened out. Also mentioned not all claims are refunded. Horrible and now feel out of {$470.00}. No help

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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: VA

Complaint narrative:
I received a letter stating that l owed XXXX from Weltman, Weinberg, Reissue and Co. LPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX phone is XXXX. About a month ago or more l received what felt like initially a scam and then an intimidating and threatening phone call from this Collection agency.if l remember correctly, the representative They asked me for my personal information. They refused to tell me who they were.l eventually spoke to a representative from their law firm and told them that l had not taken out a credit card and that the transaction was fraudulent. I just received the letter dated XX/XX/XXXX. It is XX/XX/XXXX today. In the letter they supplied me with a copy of an application for a credit card that someone in XXXX XXXX XXXX XXXX took out in my name on XX/XX/XXXX XXXX. I live in XXXX. I have not been to XXXX XXXX. I do not owe this money. This is a fraudulent transaction done in my name that the bank, XXXX XXXX approved in XX/XX/XXXX. I need my credit report corrected. In the meantime they advised me that l need to report this to the FTC and file a police report.The number that was used for the drivers license does not match my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-17 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: FL

Complaint narrative:
I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX  Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MOHELA
State: TX

Complaint narrative:
I have 2 loans from the Missouri Higher Education Loan listed on my XXXX report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
MISSOURI HIGHER EDUCATION LOAN Account Number XXXX XXXX Amount {$1700.00} MISSOURI HIGHER EDUCATION LOAN Account XXXX XXXX XXXX Amount {$3000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, Truist closed the account after receiving the complaint from the CPFB...... I also can not get a response from them explaining why they closed the account randomly.

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 2024-10-17 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: WI

Complaint narrative:
Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : 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

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 2024-10-17 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: WI

Complaint narrative:
Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-10-17 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: TX

Complaint narrative:
I have XXXX loans from the XXXX XXXX  XXXX XXXX listed on my equifax report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
For the past ( 2 ) months I have been trying to access and pay the bill on my Commetity Bank- Big Lots Charge Card. When I received the card I was prompted to create an account on the store app. I have used it successfully a few times,, however more times, especially when time was of the essence, unsuccessfully. 

The app which not only uses face ID and two factor verification to sign on, puts me through these paces, then spins round and round for age, failing to load. I have to close the app again and again because it repeats this process without ever loading. 

I usually begin to attempt paying my bill on the XXXX the days I usually get paid. My bill is not due till the XXXX and for two months I had to set reminders to keep trying the app to pay the bill up to the last minute, then having to scramble to call customer service to pay my bill over the phone. 

I have good credit. I pay all of my bills on time. When I have to call a creditor at work and wait so long to finally speak to someone to take a payment that I have already set up digitally we have some major issues. For the last ( 2 ) months I've missed the due date because I forget to call in, and then I make the payment at XXXX but it's already XXXX EST so my payment is late. I'm on the West Coast in the PST time zone. 

I live as busy a life as the next guy but Commetity Bank should offers it's clients a digital platform that can be counted on to work on a consistent basis. I should not be penalized because it takes so much effort to make a payment on an account that i have a digital app that suppose to support my payment attempts. I have never had this problem with any other apps or creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to formally file a complaint and follow up regarding American Express 's failure to comply with my opt-out request. Despite my notification to American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. American Express has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation. 

Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. 

In light of these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.

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 2024-10-17 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: TX

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
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
MOHELA failure to process {$3000.00} refund requested XXXX. It is now month 9 MOHELA has failed to process and provide documented proof of submission. MOHELA response to prior CFPB complaint XXXX regarding this matter on XXXX of " Our records indicate that a {$3000.00} refund was processed on XX/XX/year>. Please allow approximately 90 days for your refund to be issued by the U.S. Department of Treasury. '' is rejected. MOHELA has failed to supply documented proof this was sent to the U.S Department of Treasury on XXXX along with how the refund will be received. MOHELA has continually lied and deceived myself and borrowers. Only documentation proving the refund was submitted to US Department of Treasury will be accepted. MOHELA 's word has proven to be nothing but lie after lie time and time again. I want documented proof ( record showing ) that MOHELA has infact submitted my {$3000.00} refund on XXXX. No response or " escalation '' will be accepted as a response to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-17 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: FL

Complaint narrative:
I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization : Unauthorized Inquiries : Inquiry 1 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 2 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 3 : Date : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 4 : Date : XX/XX/2023 Source : XXXX XXXX. 

I request a more thorough review of these inquiries and any additional steps that can be taken to rectify this issue.

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 2024-10-17 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: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-17 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: LA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

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 2024-10-17 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief