vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was denied a line of credit because of a low XXXX  score. I contacted paynet who told me they would send me credit report out. After reviewing the report there was an account that was opened up from Synchrony Bank, " XXXX XXXX XXXX  '' that I had not opened up. After I contacted Synchrony bank they said that there was a business card opened in my business name ( XXXX XXXX XXXX XXXX XXXX ) with me listed as the XXXX. After disputing the account with them they said that the dispute had been resolved in my favor and the account was fraudulent. After trying to contact the XXXX XXXX XXXX department and XXXX  we kept getting the run around in regards to when the account would be deleted. So I called Synchrony bank back who told me there was also an account that had been opened before the previously reported account ( which didn't make any sense to me ) but we disputed that account also. After being told that it was also resolved and would be removed i am now being told that its still under investigation. I feel like I am recieving the run around and meanwhile being subject to damages being denied credit. I would like these fraudulent accounts from Synchrony Bank to be removed from my XXXX 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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My information was leaked and the check was defrauded. After that, I reported the fraud. The staff of Bank of America told me that I could open a new account to solve the problem of information leakage, so I went offline to close the old account and opened a new account a week ago. However, I received a message on XX/XX/XXXX that the new checking account and the old one were closed together, and I was told that I could not open and use any debit accounts in the Bank of America. When the two accounts were closed, I still had nearly XXXX dollars in my account.

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 2024-01-23 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: CA

Complaint narrative:
I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and Experian that I am a foster youth. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 
15 usc 1681 inaccurate reporting. 
XXXX is reporting that XXXX XXXX opened XX/XX/2022 was closed XXXX XXXX as a charge off for {$5000.00}. 
XXXX is reporting that XXXX XXXX was opened XX/XX/2022 it says it is closed but does not give a date, it is charged off {$5000.00} Experian is that XXXX XXXX was opened XX/XX/2022 closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. 
A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. Experian, XXXX, XXXX, and XXXX XXXX  are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2024-01-23 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MD

Complaint narrative:
I received a letter from debt collector Weltman, Weinberg & Reis Co., LPA in XX/XX/XXXX. The letter stated I owed a debt of {$39000.00}. It gave me the option to request further information about the loan in question. I mailed back the request for further information. In XX/XX/XXXX, I had not received any further mail about my request from the debt collector and I was notified that my credit had a high derogatory mark XXXX point drop. I immediately called the company on XX/XX/XXXX to inquire, I was told by the representative XXXX that due to some inconsistencies in the account, she couldn't fully verify that the loan request information was sent but has to " hope that they did it. '' I was infuriated, she stated she could send it electronically, which I promptly accepted. I followed up on XX/XX/XXXX as I had not received the electronic documentation with my loan information that she stated she would send on XX/XX/XXXX. The same rep XXXX stated that it was " pending '' and she would have to escalate it to her supervisor and apologized. I went ahead and set up a payment plan to not continue any further delays ( as I have always paid on my loans when contacted ). I asked about the negative mark on my credit, but she stated it could not be changed. Based on the fact that the company hastily added a huge derogatory mark on my credit without following protocol of providing me with the request for further loan information/validation is a violation of my rights as a borrower. They have had multiple attempts to send the mandatory requested information and they continue to fall short, thus it is grossly inappropriate for my credit to be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX and Trans Union Reports both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My XXXX and XXXX XXXX XXXX both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MI

Complaint narrative:
My experian and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2.
Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.

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 2024-01-23 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:
The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.

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 2024-01-23 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: MO

Complaint narrative:
XXXX closed complaint with same respone, plus experian just emailed me about having 1 place to view all the dis puts which is a lie

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 2024-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Honestly made several attempts at calling and E-message Navy Federal Credit Union once I discovered issues with XXXX credit report before and after setting up fraud alerts due a XXXX  credit card. I made a decision closed ALL my accounts with this financial institution because I wasn't getting any answers on what other revolving XXXX  accounts exist. Since I couldn't get answers I lost confidence and trust at keeping other personal accounts open especially the ( ONLY one ) XXXX credit card w/limit {$3500.00}. During the last week of XX/XX/year> I went into the NFCU bank and asked branch manager to close existing accounts, she couldn't see any other issues exist with regards to a revolving dispute credit card cash rewards w/limit {$5000.00} or that I owed {$100.00} or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AZ

Complaint narrative:
Somebody stole and used my personal information to be admitted for courses at XXXX XXXX. They then illegally took out federal grants using my info and it is showing that I owe a debt when I have never attended XXXX XXXX. XXXX XXXX did nothing to verify this person was me and its now gone to collections. This is not my debt, I did not take any grants and Ive never attended any college.

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 2024-01-23 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryEquifax, XXXX, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-23 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: NY

Complaint narrative:
To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been.

1. I was one of the borrowers placed on administrative forbearance for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to account updates and billing date issues. At the time was very confusing due to the fact I am on track for XXXX. I received a formal notice about why this was taken place on XX/XX/XXXX. Prior it was multiple calls with different reps and trying to get information from social media. This has caused so much stress. Also, it is XX/XX/XXXX and the XXXX month is not being counted towards my XXXX, in fact is not appearing at all. ( please see attach document ). I have called multiple times, and was told it will update with IDR adjustment, in XX/XX/XXXX or by the end of the month. Extremely inconsistent and I am left to wonder what is going on and if I am ever going to be XXXX. Is my payment count ever going to be updated. 

XXXX. There needs to be a message regarding processing payments. Basically, I paid my XXXX bill on time XX/XX/XXXX. My payment was taken from my account and on XX/XX/XXXX. I received a pass due bill stating I owed XXXX and XXXX. This was extremely upsetting, I spent time calling my bank, XXXX minutes for a call from Mohela. The rep was extremely nice and explained he was not sure why but could be due to the processing time. I suggested for them to have a message on the site, explaining this. I almost had a XXXX XXXX thinking there was something wrong with my payment. Again, I am playing on a loan that should be forgiven, since I have been working in public service since for more than 10 years. ( see attach documentation ) XXXX. Lastly there has not been any updates since my loan was sent to review back in XX/XX/XXXX to the department of education. Every time I call they say no updates and to wait. There is no notice on when this is going to be taking place. Moreover, specific payment of XXXX  waiver for XX/XX/XXXX and XX/XX/XXXX are not being counted. A random forbearance for XX/XX/XXXX is also not being counted it. I spoke to a supervisor, and an XXXX  ombudsman and apparently I was told Mohela is refusing to count it, until the XXXX waiver. When is this going to be reviewed on my account. For XX/XX/XXXX and XX/XX/XXXX proof of payment was submitted and any deferment placed should not be there. I signed a waiver ( see attach documentation ). Please, this is time consuming and extremely detrimental for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation