vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian Above is the Experian Report Dispute number and reporting number. : this is Experian noted results : XXXX XXXX XXXXXX/XX/XXXXAccount XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated The collection company has also reported on other credit reporting agencies and they have been removed.off my report. This collection company can not provide a contract or proof of alarm service. The alarm service is reporting the service address as XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX. I have not lived at that address in over 11 years. Please ask Experian to remove this collection agency 's false and incorrect information please.

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 2023-09-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
When first time I complain Sourh State Bank dodge the complain. When I did second complaint, we went personally to bank to resolve the issue. At that time we provide certain information which bank had to provide When open the CD account. In second complaint 's answer bank mentioned XXXXXXXX XXXX  name that she explained to us about interest rate, that is not correct. Now South State bank is closing the case as bank is not willing to grant interest rate as bank claim at maturity. Bank mentioned in answer that it is written in disclosure, but bank only provided that disclosure after we signed for CD. We don't think bank is a help. Big institutions always work for their profits. General public is always a looser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There is a fraudulent charge on my account that I have been trying to resolve for months from XXXX XXXX XXXX which is located in Florida and I live in Georgia. I saw the charge on my account XX/XX/2023. I have never used garage services in my life and when I tried to dispute the charge American Express is denying the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. XXXX XXXX XXXX section XXXX A. XXXX 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Bank is lying the check was not altered we talked with other institute but I want them to close my account now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NY

Complaint narrative:
I have tried reaching out no one answers the phone. Ive already complained to the credit bureaus.

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 2023-09-29 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: EdFinancial Services
State: MA

Complaint narrative:
I have contacted the company several times this week by phone to request a payoff letter for my Parent Plus loan. Each time the wait time has been stated as 4-8 hours. They give the option to receive a call back, which I did. I received an automated call back, over 24 hours later that was the same generic recording, no live person. I sent an email 2 days ago, no response. I reached out on social media accounts, no response. I need a time sensitive letter and this company refuses to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ask them to remove inquiry off my credit report because it was unauthorized

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Please refer to document XXXX for pre -submitted supporting documentation. 


XXXX XXXX XX/XX/2023 Subject : Complaint Regarding Retaliatory Tactics and Account Status Changes To whom it may concern, I am writing to express my deep concern and dissatisfaction with the recent actions taken by Mr. Cooper Mortgage Company in response to my complaints. It has come to my attention that the company has engaged in what appears to be retaliatory tactics, specifically impacting my account history through repeated status changes. 
To provide context, I have been a loyal customer of Mr. Cooper Mortgage Company for almost 20 years and have always made consistent and timely mortgage payments. However, over the past few months, I have encountered various issues with the company 's services, which I have brought to your attention through multiple complaints.

My concerns primarily revolve around inaccurate reports on my credit statements, which are CONSTANTLY CHANGED FROM TIME TO LATE. This is poor customer service, and it's been happening since XX/XX/2023. During my efforts to address these issues with your customer service department, I have observed an alarming pattern of account status changes that directly affect my credit history and financial stability. 
It is disheartening to note that these status changes have occurred immediately following each of my complaints. While I understand that mortgage companies may need to review accounts periodically, the timing of these changes raises severe concerns about the company 's motivations and intentions. The sudden negative impact on my credit score and the financial stress these actions have caused me is entirely unacceptable.

I believe in open and honest communication to resolve issues, and I expect the same from a reputable company like Mr. Cooper Mortgage. I sincerely hope you will take my complaint seriously and investigate the matter thoroughly. I kindly request the following actions be taken : A comprehensive review of my account history focuses on recent status changes.

Transparent communication regarding the reasons for these status changes, particularly their correlation with my complaints.

Prompt correction of any inaccuracies or errors in my account history. 
Assurance that no further retaliatory actions will be taken against me due to my complaints.

I believe in fair treatment and resolution of issues, and I trust that Mr. Cooper Mortgage Company shares these values.

Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask them to remove inquiry off my credit report because it was unauthorized

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 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A {$650.00} charge appeared on my credit report ( XXXX ) from Transworld Systems Inc. I have never received any communications from Transworld prior to this. Tried calling the supposed number listed on report XXXX for Transworld, but call led to advertisement. My previous address listed on XXXX is in XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived there. 

Filed a dispute to XXXX but they erroneously verified that the report is correct, that the charges belong to me. 

I also had a previous identity theft last year with the same {$650.00} charge, which was disputed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: KS

Complaint narrative:
XX/XX/XXXX  Date Updated Remakes- XXXX  XXXX Bankruptcy Account Closed XXXXXXXX  Remark Code was removed from Discover Bank account XXXX Remark Code was added from Discover Bank account XXXX call XXXX to dispute this added remark adv to contact creditor XXXX- call to Discover Bank spoke with Fraud, Customer Service & Bankruptcy dept who update the notes on my account that there was no update done or records of any update. No dispute was open on or by me and they are not understanding why there was an update to the remark, was provided the only thing was it was my mistake. 
Advised to open a dispute & they would correct. 

I advised that I am in the middle of purchasing a morgage and need this updated asap I this deleted and my score rapid rescoring

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On or around XX/XX/2021 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023 Experian dropped my credit score significantly based on false misleading information from XXXX bank. I only have a checking account through XXXX, only a debit card. The new information states I had a XXXX  bankcard, and it's reactivated. It states I've used XXXX  % of my available credit. This is a false misleading statement.

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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I submitted my IDR application ( with tax documentation ) to change my IDR to the REPAYE plan ( now the SAVE plan ) on XX/XX/2023 and it still has not been approved. I was told it should take only 30 days to process this request and yet it still says its processing after nearly 75 days. My initial repayment plan was Income-Contingent Repayment ( ICR ), which was approved for PSLF. However, MOHELA removed me from ICR and has put me on " Level '', or the Standard Repayment plan, with the monthly payment amount due saying I owe approximately {$190.00}. 

When I called them in XXXX, they told me my XX/XX/XXXX application " was rejected, '' which is not correct because on their website it currently says my application is still processing. The representative told me to reapply, so I reapplied on Dept. of Education 's website after the phone call. Then, I called back in XXXX to ask why my re-application was taking so long, and the representative refused to give a reason why neither application was accepted. Instead, they told me to once again reapply over the phone. I now have 3 applications in XXXX, XXXX, and XXXX, none of which have been approved and MOHELA has refused to provide an explanation and just continues to suggest I reapply. 

MOHELA has effectively done has *removed* me from my PSLF-eligible repayment plan ( ICR ), put me in a repayment plan that it PSLF-ineligible, and appears to be *preventing* me from getting on the SAVE plan, even though I am completely eligible. I want them to put me on the SAVE plan immediately as it is my legal right to be in the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX {$650.00}, XX/XX/XXXX {$160.00} and XX/XX/XXXX {$350.00}. My cash app was hacked and someone stole money on multiple days, I'm now unable to get into my cash app acct and unable to verify the acct being that the person changed all of my information. I contacted cash app with file a dispute and the closed the claim stating the the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : Please remove 6. The inquiry was XXXX  XXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX

Company response to consumer: Closed with explanation