vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
Experian, for the third time is reporting that my account is closed and in dispute. That is in fact a lie. I believe that Experian has employees that are manually going in each and every time they can to lie. I believe that Experian higher ups are not monitoring this. This is the third time that Ive disputed this particular account. The other Credit Bureaus XXXX XXXX and XXXX are reporting the account correctly and that Ive never had it in dispute. It is only Experian XXXX reporting such false info. This is my third complaint through the consumer financial protection bureau about Experian. Experian updated the account on XX/XX/23 showing that the account is active and had no balance and then on XX/XX/23 they report the account again with the current status which states, The account is closed and is in dispute. 

I hope that Experian is monitored by the consumer financial protection bureau to find out just how many others are being affected like this. I can not believe that I am the only person that has spiteful and really XXXX people with absolutely no life that are working for Experian hassling people like me. Those people need to be sued. And may just be they one to sue them Experian needs to be sued, too! Those people at Experian have no life! Its obvious! Theyre about as XXXX as it gets. And they know it! 

Additionally, I figured the Experian XXXX. If I find any more irregularities, I will complain again, again and again. This entertains me! 

Lastly, I recommend anyone and everyone that has irregularities on their credit bureau report to report them to the consumer financial protection bureau and monitored their report by the day. This is the only way that those XXXX and XXXX XXXX at Experian will understand that I will make it one of my missions to deal with them and win unlike them XXXX lollllllllllll

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: MD

Complaint narrative:
Mohela is not accurately accounting for my payment history or PSLF eligibility as it was documented for years under XXXX. As a result, Mohela is demanding payment for loans that should have been forgiven under the PSLF program with the rest of my loans. 

In XX/XX/XXXX, my loans were transferred from XXXX to Mohela. Under XXXX, 4 of my loans were categorized as Loan sequences XXXX, XXXX, XXXX and XXXX all under the Direct Loan Special Consolidation Subsidized Loan dated XX/XX/XXXX. All four loans had the same qualifying PSLF payment history. But Mohela erased the payment history and eligiblity count for Loans XXXX and XXXX. Consequently, my PSLF application was not applied towards loan sequences XXXX and XXXX while the other loans were forgiven. Mohela refuses to provide any proof or justification why they erased my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Car loan payment was issued to come out of my checking account 5 days after the dude date and a week after it was already paid for. ( paid a week ahead! ) I called in to find out why this was and they refuse to provide this information stating I was not who I was without and sufficient evidence as to why that was. This is the second time Ive had an issue with this loan department and the credit union in general. They continue to make errors that requires time and money spent on my behalf to resolve. Unacceptable and the worst banking/ credit union Ive dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was a BMO Harris Bank customer, and my account consistently maintained a positive balance. As a server, I made regular cash deposits to ensure the account stayed in good standing. However, in 2018, I faced a significant problem when my XXXX was hacked, leading to data and financial losses. When I noticed the compromise, I immediately contacted BMO Harris Bank and informed them of the situation. They locked me out of my account, but I later discovered unauthorized activity that occurred after I had been locked out. Despite multiple attempts to reach out for clarification and resolution, I was unable to dispute the activity or get in touch with someone who could assist me. This situation had a severe impact on my credit, financial stability, and overall peace of mind. I want to emphasize that I was not the one responsible for this fraudulent activity. I had robust security measures in place, such as Face ID and frequent password changes, to protect my account.Now, years later, I have become more knowledgeable about securing my devices and financial information. However, I remain dissatisfied and disappointed with how BMO Harris Bank handled this incident. They not only locked me out of my account but also failed to provide the necessary support and resolution.I am requesting a thorough review of this case, the reopening of my account, and the reimbursement of funds lost due to this incident. I hope this matter can be addressed promptly, as it has had a lasting negative impact on my financial well-being.Please let me know if you need any additional information or documentation regarding this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX to paid {$2100.00} to a contractor in XXXX, ( XXXX XXXX XXXX ) for a service via XXXX XXXX linked to my Citi Bank Credit card. After a month has passed an several follow ups the contractor number and website was deactivated when started requesting a refund. 

I disputed the charge with my credit card company on XXXX for goods and services not rendered. After which 10 Unauthorized charges via XXXX XXXX hit my Citi Bank account from said contractor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is not normal spending for an individual and their algorithm did not pick it up nor was my account blocked. 

From the first fraud dispute on XX/XX/XXXXXXXX  Citibank stated it was from a digital wallet and advise I remove from cards from XXXX XXXX which I did. 

Every new card they issued kept being updated on a digital wallet which Citibank admitted they were having issues unlinking from their end. Every rep and supervisor said the same thing. 

Citi bank confirmed with me on XX/XX/XXXX they were finally able to unlink the digital wallet that the charges were coming from but yet still a charge got posted on XXXX 

Fraud decided moved all the reported unauthorized / fraud charges to billing dispute on XX/XX/XXXX because I had " Initial Contact " with the contractor Citibank dispute department is now treating all 10 fraud charges as if they are my initial charge on XXXX 

I have provided numerous information to Citibank explaining that the contractor contact number and website is no longer available for me to dispute with them for a refund and the 10 charges from XXXX XXXX XXXX was not me. 

I even provided a receipt from another contractor who I hired to complete my service. 

All the conditional credits there were provided totaling = {$23000.00} are now being reversed and they are closing the disputes in favor of the contractor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Due to medical issues if a family member, and assisting an adult son also with medical issue, I was is forbeance for a few months. 

Upon agreeing to start the payments, I was told I had to modify my loan, which I understood. 
When receiving the details, my interest rate jumped from 3.75 % to7.0 % added 10 years on to the mortgage, and monthly payment went from {$770.00} to {$1.00}, XXXXXXXX XXXX I asked how this was helping me, when asking to paying my extra each month to pay the arrears. Their reason was I could not afford it. But I can afford an extra {$300.00} amount for another 33 years. 

I am making more money now than I was, and they never did any sort of financial check. 

I feel I'm being penalized for a financial issue I had no control over. 

I had to sign a modified agreement to keep from going into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
Yes I've asked for the inaccuracies to be removed from my report I've also uploaded my FTC IDENTITY THEFT REPORT within less than 24 hours the bureau emailed saying the items was verified with out the proof in my declaration with any Information on who they spoke to anything bearing my signature the initial start of the investigation thy are refusing to remove inaccuracies of my credit report that is tarnishing my financial well being and credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts 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 2023-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am a young citizen that needed a car to get to work during the XXXX pandemic an went to what I thought was a dealership but was really a buy here pay here.. Told them I needed a car and they pressured me into this one an didnt really want me reading the paper work when signing .. After I bought i seen they reported my score as Bad when it was above XXXX ... Aka fair.. Long story short im paying about XXXX for a XXXX car that was in bad shape mechanical wise, exterior was decent shape some scraches an XXXX on back bumper.. I fell like ive been ripped off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I submitted a dispute through XXXX for a collection from MRS BPO. They did not provide an itemized statement of charges being reported therefore my rights are being violated. They are reporting inaccurate information and its affecting me. MRS BPO is not licensed in Texas as a collection company therefore they are fraudually reporting on my credit and XXXX refuses to look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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 2023-09-15 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2023-09-15 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: TX

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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 can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation