vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX Experian is reporting the account as a XXXX XX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.

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 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I attended XXXX XXXX XXXX, NY in XXXX. I have been paying on my loans for the last XXXX  years with interest rates keep raising. I am in good standing and owe {$3200.00}. 

I was signed up for private loans without an explanation of the type of loans. XXXX pressured to get loans out to remain in school. I am part of the group attendance discharge for XXXX XXXX and my federal loans were discharged.

It only makes sense that these loans should also be discharged based on the misconduct of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
US DEPT ED Is alleging I owe a debt. US DEPT ED Is actually using my promissory note as the security which is being used to trade for profits. Not reporting these transactions is securities fraud and tax invasion. As the registered owner of the security I should be entitled the proceeds but US DEPT ED has not given me a return on my investment. They are also listed on the US stock exchange with this same information listed for public reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : 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 2024-04-12 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: MA

Complaint narrative:
I recently recertified my employment for PSLF. I have XXXX loans. For XXXX of them, MOHELA says Ive made XXXX qualifying payments. For XXXX, they say Ive made XXXX qualifying payments. I printed out statements to find the discrepancy and noticed that the XXXX loans that show XXXX fewer payments are missing many ( some are missing all ) of the months starting XX/XX/XXXX and ending XX/XX/XXXX. In that time period, I had XXXX qualifying periods through the special waiver - XX/XX/XXXX through XX/XX/XXXX. I do not know why these months, XXXX of which are eligible towards the loan forgiveness count, are excluded entirely from XXXX of my loans and believe that is an error. I would like those months considered and my PSLF payment count updated on all loans to reflect them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have the right to take legal action if a creditor or credit reporting agency provides inaccurate information on my consumer report 15 U.S. Code 1681s2, even if they later update it. The false information caused me harm by reporting on my consumer report as accurate which was not. This has caused great harm to my reputation. I have provided the inaccurate consumer report along with the updated report as proof Comenity Bank/ Kay Jewelers has been reporting false inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all XXXX  XXXX XXXX TransUnion for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, 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 2024-04-12 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: FL

Complaint narrative:
Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all XXXX  XXXX Equifax XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is in regards to synchrony bank. In XXXX XXXX sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to synchrony to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by synchrony on XX/XX/year> unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.

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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am writing to address a pressing issue regarding an unresolved refund. On XX/XX/year>, Wise US was expected to transfer USD XXXX to my XXXX bank ( XXXX XXXX XXXX XXXX ) account as a refund. However, I have yet to receive the funds as of today 's date. 

Despite my repeated attempts to follow up on this matter through various channels, including multiple inquiries to your customer support team, the refund has not been processed nor have I received any satisfactory explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
Recently me and my husband applied for a mortgage, and his credit went through but mine came back as not having a credit profile for Equifax. Upon further investigation representatives at Equifax said I dont have a credit profile at all. Which was weird because the other XXXX agencies XXXX and XXXX have a credit profile for me. Also I have credit cards and student loans in my name. I asked Equifax what documentation needed to be sent over so they can make a file and they told me mail in XXXX forms of ids so I could be verified. This was on or around XX/XX/2024. I mailed in the documents a week later XX/XX/2024. They said it would take XXXX days once received to process documentation. Got a letter on XX/XX/2024 stating that they received our request but were unable to locate a credit file. The whole point of the documents were to create a credit file which they told us. Also the customer service representative said he doesnt see any documents sent in on file, and wants me to resend them for like the XXXX time. This has shattered me and my husbands hopes of getting a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal HISTORY : XXXX XX/XX/2015 {$260.00} USD PAID FROM BUYER XXXX XXXX. 

PAYPAL TRANSACTION ID : XXXX XXXX XX/XX/2015 AVAILABLE FUNDS. 

Paypal stole my money {$260.00} US dollars. Paypal also stole that same money from the state of California under the law : " Unclaim Property Law. '' That is to say, Paypal did not send that money to the state of California and I am contacting the California Prosecutor to punish for that Paypal theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've tried to purchase groceries on the following dates. 
XX/XX/year> XX/XX/year> XX/XX/year> My cards would always have difficulties at the cashier. Both credit and debit. 
Today, XX/XX/XXXX, I was unable to use both cards even after responding to the suspicious activity text. It took multiple more attempts to finally get the card to work at the cashier. I attempted to call Bank of America on my way back from the store at around XXXX CT, and I was on hold over XXXX minutes and was hung up on as soon as I was picked up by a customer service representative.

The automated system had no mechanism for being put back into the queue from where I was. There was no effort to call me back or confirm that my problems weren't solve in the split-second I was connected to someone.

They also have no way to report a complaint through this automated system.

As I am typing this, I am still on hold waiting to reach a customer service representative.

Bank of America is clearly making no clear effort to be reachable. These automated systems provide no remedy when Bank of America has failed their obligations to the customers. There needs to be a way to speak to a person that can actually assist with these problems. If I could describe the problem to a person in a few minutes, it would take that long to diagnose and resolve the problem.

Why are both of my cards being declined at my preferred grocery store?

Why does it take an hour or more to have a problem resolved that could impact my ability to purchase groceries?

Why is Bank of America allowed to continue this pattern without consequence?

If I was still at the store, the food in my cart will have been outside of a freezer for over an hour before I am able to reach Bank of America to resolve my card issue.

This is unacceptable. Banks that are unreachable for this long should be held accountable, potentially even to a class-action lawsuit. I will gladly take part in one, should one be started.

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 2024-04-12 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-12 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: AMERIS BANCORP
State: FL

Complaint narrative:
on or about XX/XX/year> mortgage payment was made to lender, whom immediately returned payment to bank and ALTERED name in returned! transaction, Bank statement shows Bank receiving returned funds yet monies returned DO NOT show were returned funds were PLACED back into customers account. Once customer was made aware of this via fone con from XXXX spouse customer called lender and ask their customer representative why mortgage payment was returned LENDER 'S customer service employee stated : She did not know why monies were returned and after inquiring from fellow employees no answer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX It appears that my XXXX  file has vanished, as indicated by the title. Despite numerous attempts, I can not access a report online or apply for credit with any financial institution that utilizes XXXX. This issue has persisted since XXXX. Each time I contact a representative, I'm assured that everything appears fine on their end, and they offer to send me a copy of my report. However, the promised resolution to my accessibility problem, with assurances of visibility within XXXX XXXX XXXX  days, has yet to materialize. Additionally, promised callbacks have not been fulfilled. 

Despite mailing the requested documents multiple times, they seem to be unable to receive them. Upon logging in, I encounter a popup instructing me to call and provide the code " XXXX '' to the representative. When I questioned this, I was informed that XXXX does not issue such codes. After following up, I was informed by another representative that the code indicates a blank file.

At this point, I am feeling disheartened and frustrated. Despite receiving score updates from myFICO ( only the XXXX, not the other XXXX ), my report has not been refreshed since XX/XX/2023. This issue is preventing me from completing my mortgage refinance application, adding to my concern and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately.

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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