vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information about them, and the company conducted them without my authorization.

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 2024-03-11 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: MA

Complaint narrative:
There are 15 student 's loans reported by XXXX XXXX to Experian Credit bureau with multiple discrepancies. Experian and XXXX unable to validate the loans. most recently I checked XXXXXXXX XXXX  website the loans on its website is XXXX, XXXX. Experian had reported XXXX on my credit. Multiple calls to XXXX XXXX XXXX and Experian with unsuccessful result. No one wanted to update the information.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-11 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: NY

Complaint narrative:
Delete these accounts : fair resolution In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-03-11 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:
Delete these accounts : fair resolution In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-03-11 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: IL

Complaint narrative:
Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-11 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:
I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that 11-14 discrepancies are reflecting on trans union , XXXX and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.

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 2024-03-11 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: IL

Complaint narrative:
I have no information pertaining to these inquiries, and the company proceeded without consulting me.

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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing in response to Bank of America, denying my request of open ended credit application. ( See attachment ). I am getting very tired of Bank of America denying my applications without any specific reason. Theyve expressed to gain a copy of my report from XXXX, which have no reason to deny as well, unable to verify my social security number? Theyve sent me mail to my residence, which is attached to my social security number, makes no sense. 

Bank of America is continuing to discriminate, and has violated the Federal Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program or good faith exercise of any rights under the Consumer Credit Protection Act. 

I have the full capacity to enter a binding contract and refuse to be mistreated with prejudice. I am seeking full compliance and remedy. I have attached my Drivers license and Passport as proof of identity. 

Without Prejudice XXXX XXXX XXXX XXXX All Rights Reserved.

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 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX i received treatment from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am 100 % XXXX XXXX  and before I could receive treatment, the VA representative had to approve and sign off on treatment. The hospital decided to send the bill to my name and when I explained it needs to be sent to the XXXX said its not their job. Then sent it to the SOS Group and for over XXXX years, with multiple calls with a VA rep and the SOS collections explaining I, the veteran am not responsible for the debt. The agency refused to bill the VA and the hospital said they didnt own the debt anymore. I received receipts from the XXXX  XXXX XXXX  for payment and the collections agency is refusing to remove the debt but continue to tell me I can pay them directly. I was also told I needed to take a manners class and I was yelling ( I had a ventilator and lost all loud speaking abilities-so I in fact, was not or able to yell. ) The collections agency refused to call me back and told me its not their problem about my credit. I asked to submit proof of payment and they would not allow me to. They also called me back to ask why I keep disputing their collection on my credit and they said we can not verify you dont own this debt. I repeatedly said they did know this when we had multiple calls with the VA rep and they said very plainly that I, XXXX XXXX ( previously XXXX XXXX during services ) am not responsible for paying them. The collection agency told me again, I could pay them although the debt has been paid and I have receipts but refuse to accept them or remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts contain inaccuracies, causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
It appears that FCRA 605B necessitates the deletion of any erroneous accounts from my credit report. Would you mind examining the documents? A few of the outlined accounts seem to be inaccurate, which is unsettling for me.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accordance to USC 15 USC 1681a ( 2 ) I didnt give written permission to have accounts fraudulent inquiries and names addresses Im not familiar with please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
Accordance to USC 15 USC 1681a ( 2 ) I didnt give written permission to have accounts fraudulent inquiries and names addresses Im not familiar with please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX| Date of inquiry : XX/XX/2023

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 2024-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
While I was prepping my personal taxes, I realized I have a 1099-INT for an account I don't recognize from BMO Bank NA . I never have opened an account with BMO, Harris, or Bank of the West - all affiliated with BMO. 

Background : In early XXXX, I was a victim of identity theft. The thieves tried to open bank accounts- not credit cards or loans- in my name ; between XXXX and I, we thought we stopped all of it. ( Prior had credit freezes, but since they weren't opening credit in my name, that did nothing. Added a freeze with XXXX- but that's optional for banks to check. 

As part of that, on XX/XX/XXXX, I had contacted XXXX as someone tried to open an account in my name. Their rep XXXX assured XXXX and I that no account was already shut down because the thief couldn't verify identity. 

XX/XX/XXXX - I called 7 different phone numbers- what was on the 1099-int after verifying it was legit ; fraud number listed on their website for the US ( but was for XXXX customers ) ; and numbers different CSR referred me to. After talking to 10 different CSR. No one could tell me if I had an account under my SSN, if this 1099-int was legit. They kept referring me to other departments ; non-working phone numbers ; and once even to a number that turned out to be a pet store in XXXX. Twice I was hung up on. 

Help!!

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX || Date of inquiry : XX/XX/2023

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 2024-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased a XXXX ( precious stone ) from an XXXX vendor based in XXXX. Unfortunately, upon receiving the merchandise, I found it to be significantly inferior to what was depicted on the vendor 's webpage on XXXX. Following this discrepancy, I promptly contacted the vendor, who agreed to a refund upon returning the merchandise. Subsequently, I utilized USPS registered mail to return the item. However, despite providing evidence of the return and my correspondence with the vendor to Bank of America ( BOA ), they have denied my dispute of the {$930.00} charge associated with the purchase. BOA initially requested information regarding the return, which I promptly faxed to them at XXXX upon receipt of their request on XX/XX/year>. Despite my efforts to comply with their request, BOA has dismissed my dispute without considering the evidence provided. I am seeking a refund of the disputed amount of {$930.00}, along with an additional {$39.00} to cover the postage expenses incurred in returning the misrepresented item. Please find attached the relevant documents for your review. Sincerely, 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 monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
ON XX/XX/2024 I WAS RETURNING FROM AN OVERSEAS TRIP. WHILE I WAS OVER SEAS I SAW A TRANSFER FROM XXXX XXXX WITH MY ATM CARD. WHEN ARRIVE HERE IN XXXX XXXXXXXX I WAS DETAINED FOR XXXX HOURS AND MY CELL WAS TAKEN FROM ME, AS OF TODAY I HAVE NO RECEIVED MY CELL BACH ALTHOUGH NOTHING ILLEGAL WAS FOUND AND THEY SENT XXXX LETTERS TELLING XXXX THO SING AND RETURN IT TO THEM I TOOK ME ABOUT XXXX WEEKS THAT I DID NOT HAVE A PHONE. MY MONEY WAS SENT TO XXXX XXXXXXXX XXXX XXXXXXXX IN XXXX XXXX. 
I DO HAVE A FRIEND NAMED XXXX XXXX XXXXXXXX XXXX LIVING IN XXXX, XXXX PLEASE LOOK A THE SIMILARITIES IN THE NAMES OF THE RECEIVER XXXX XXXX JUST CALL ME AND TOLD ME THAT I HAVE LOST MY MONEY XXXX XXXX DID NOTHING TO HELP ME THANKS I HOPE YOU CAN HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
MOHELA is my student loan provider. I had submitted an application for Income-Based Repayment, for which they approved for $ XXXX. A few days later, I noticed a random " pending application '' on my account history. I messaged them to tell them that I did not submit this application and asked why it was on my account. They replied and apologized for the confusion and reassured me that my current payment was still {$39.00}. 

About a week later, they emailed me and told me my new payment was $ XXXX. I can not access any sort of documents on my online portal showing this application that they processed ( past applications have had links to view a PDF of the application ; this one did does have this link ). 

I feel like I now need to babysit my account to make sure they don't add more random stuff. They are beyond untrustworthy. 

Thanks for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
According to FCRA XXXX, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.

Company response to consumer: Closed with non-monetary relief