vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I had set up auto pay with Mohela/XXXX , the very first payment was deducted from my account and then returned 3 days after my due date. 
I went online to submit a payment and after submitting I received a message that said " bank account unable to be located. '' So I had my father submit payment from his account. 11 days later I see that they had received 3 payments. One from my father 's bank account, and two from my own. I called to try and figure out why two payments were taken from my account and was told I had authorized a second payment the day after I had my father make a payment. When asked why I would do that if my account was up to date the representative repeated herself saying " you must have authorized it because we did not take two payments ''.

I filed a dispute through my bank and once I did Mohela returned 2 payments to me causing the account to fall behind as the XXXX payment was now due. 
My bank had sent a check to Mohela for my XXXX student loan payment on XX/XX/XXXX, it was set to arrive by XX/XX/XXXX. It was received by Mohela and cashed on XX/XX/XXXX, but not applied to my loan. I called to try and figure out why, they did not know but told me it may have gone to their federal loan department. I asked if they would forward the check to the correct department, they told me no they'd be sending the check back to my bank. So I made a payment online. On XX/XX/XXXX I called again because the check had not been received by my bank. I was told their policy was to hold the funds for XXXX weeks after the check was cashed before issuing a new " refund '' check. XXXX weeks after the check was cashed would have been the XXXX. I informed them of such and the response I got was " yeah we were going to initiate the return but we didn't. '' The supervisor I requested never got on the phone, this was all communicated to me from the customer service representative. Had I known about this level of mismanagement I would never have used MohelaXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft, Ive been having complications on getting the help thats needed these accounts arent mine and I have no connections with them. I reached out to the company and the credit bureaus but the credit bureaus never responded XXXX not sure if they got the letter I mailed but now Im trying this way. 

Please help correct this fraudulent information and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
THE COMPANY IS CURRENTLY REPORTING AS COLLECTION IN MY CREDIT REPORT FOR A DEBT I DO NOT RECONGNIZED. THE COMPANY FAILS TO VALIDATE THE DEBT AS I REQUESTED. I COPY OF A BILL FROM THE CREDITOR ALONE DO NOT MEET THE STANDARD VERIFICATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU CAN NOT PROVIDE THE DOCUMENTS I REQUESTED IN THE ATTACHED LETTER YOU MUST DELETE THIS FROM YOUR RECORD AND FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : 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 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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WA

Complaint narrative:
XXXX. Received an email informing me that a debit card was being sent to me XXXX. Found address was not in my XXXX XXXXXXXX being sent to XXXX XXXX  ( notification spelled exactly as in email ). 
XXXX. Called customer service and had to verify my identity with my phone number XXXX. Told that account was opened on XX/XX/XXXX ( 2 days before this call ) XXXX. Asked for information how this account could be opened without verification from my mobile phone, email or any other method. 
XXXX. Was transferred to another department and demanded they provide information on how an account could be opened in my name with no verification ( email or phone ). 
XXXX. I informed them that they may have a security breach since an account had been set up with account and routing numbers- All without verification. 
XXXX. The agent stated they have limited information available to them and had no idea how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: KY

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.

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 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 2024-05-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-30 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: NY

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-05-30 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: NY

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: DE

Complaint narrative:
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian 3 times because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to XXXX XXXX to have this corrected. They stated they updated my credit reports but it did not correct my Experian report. I have been waiting for over 60 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that XXXX XXXX admitted was incorrect has dropped my XXXX XXXX by over XXXX points. This unfair reporting is now XXXX me financially. I have filed a credit dispute and filed with the XXXX with no correction to my report. Attached is the letter from XXXX XXXX admitting the information was inadvertently reported. Please delete this inaccurate reporting.

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 2024-05-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: MI

Complaint narrative:
On XX/XX/XXXX my credit builder account reached {$500.00}. the money is supposed tp be automatically transferred to my XXXX XXXX spend account. I received emails stating the funds were being transferred and that the money would be in my account in XXXX business days. It is now the XXXX of XXXX, and the funds have not been transferred. I can not access the funds. I don't see the funds in the mobile app, but I can see the funds when I log in, so that is another issue. No one at XXXX XXXX XXXX can tell me when I will have access to my funds. Customer service tells me they will send a request and that the XXXX XXXX team will reach out via email, but the only emails that I receive say I will receive the funds in XXXX business days. I just spoke to XXXX ( that's the only info she would give me ) and she said she would send a " note '' to the person who is assigned to my ticket. It is unbelievable that they would hold my funds for this long. I literally need the money to pay my car insurance in 2 days. XXXX XXXX has a lack of urgency and this has drug on too many days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Debt Co LLC
State: OR

Complaint narrative:
Through my XXXX XXXX credit card " credit report '' there is a debt collection dated XX/XX/year> with XXXX yr XXXX mo listed as the open time. The collection company is Debt Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX The company " XXXX XXXX XXXX XXXX XXXX '' is listed as the company I owe money to. This company name is for a public utility group in Texas! I don't know anything about it! 
I've never lived in Texas! 
I asked Debt Co to explain the debt amount of {$520.00}. They wouldn't unless I gave them all my personal data, which I refused to do. They don't sound legitimate to me. 

This debt does not show on my XXXX credit report but does show on XXXX, which seems to be the credit check that XXXX XXXX uses...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 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 an 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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, XXXXXXXX XXXX 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 an 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 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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have contacted this collection agency to inform them that this is a result of identity theft and that this debt that they placed on my credit account is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-30 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding the unjustified freeze on my account following a wire transfer. Despite providing all the requested supporting information, I have received no adequate communication or resolution from the bank. Below are the details of the incident : Account Information : Incident Timeline : Wire Transfer and Account Freeze : Date : XX/XX/year> Description : On XX/XX/year>, a friend of my family initiated a wire transfer of {$53000.00} from my Capital One account. Shortly after this transaction, my accounts ( checking and saving ) was frozen without prior notice or explanation from Capital One. 
Supporting Information Provided : Dates : XX/XX/year> Description : On XX/XX/year>, I provided all the requested documentation and information to Capital One to verify the legitimacy of the wire transfer. Despite this, my account remains frozen. 
Contact Attempts : Phone Calls : I called Capital One customer service on XXXX separate occasions to seek information and resolution regarding the account freeze. 
Branch Visits : I visited the Capital One branch at XXXX XXXX to discuss the issue in person. On each occasion, the bank representatives were unable to provide any concrete information or timeline for resolution. 
Impact on Financial Obligations : Inability to Access Funds : Credit Card Payment : I have been unable to pay my credit card, resulting in potential late fees and damage to my credit score. 
Other Obligations : The freeze has prevented me from paying my rent and my utility bills totaling. This has caused significant financial and emotional distress. 
Formal Complaint to Capital One : As of today, XX/XX/XXXX, my account remains frozen, and I am unable to close the account, transfer money, or perform any transactions. Capital One has not provided any substantive information or resolution regarding this issue. 

I appreciate your prompt attention to this matter. Please let me know if you require any further information or documentation. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation