vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), Equifax has not taken appropriate action. 

Details of the Complaint : Unauthorized Hard Inquiry : Creditor/Company XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry. 
Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but Equifax has failed to provide sufficient documentation. 
Section 611 ( 15 U.S.C. 1681i ) : Equifax has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my credit score, affecting my ability to secure favorable credit opportunities. Equifaxs failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked for my account to be confirmed as paid in full/paid off and closed. It was confirmed and I asked for removal of account from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I asked for my account to be confirmed as paid in full/paid off and closed. It was confirmed and I asked for removal of account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I asked for my account to be confirmed as paid in full/paid off and closed. It was confirmed and I asked for removal of account from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2024-12-17 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: NY

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-17 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had purchased an apple watch in XXXX and was given an Apple Credit card at that time which I never used. On XX/XX/XXXX Goldman Sachs ( Apple Credit Card ) notified the three major credit reporting companies that I had died and had not paid my bills. They immediately dropped my credit score by XXXX points. After several conversations with lower-level management and I had to provide documentation from Social Security that I am actually alive. They realized someone else had died with the same name as me. At that point they put my credit score back to the original score. They refused to expunge their error on my credit reports unless I open a new credit card with them. I told them this is illegal, and I was told I needed to speak to top management regarding this as top management makes major decisions. Twice they told me someone from top management would contact me, but nobody has. 

The case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
As a loyal Bank of America credit card holder for nearly a decade, I am deeply disappointed with the lack of seriousness and urgency the bank has demonstrated in addressing my identity theft case that took place in XX/XX/year>. Despite following all required procedures and providing comprehensive evidence of the fraud, my financial reputation has been severely impacted, jeopardizing my housing prospects all over a fraudulent balance of {$790.00}. 

The following steps were taken to resolve the issue : In-Person Visits : I visited a Bank of America branch on two separate occasions in XXXX and XXXX to speak directly with the branch manager. 
Documentation Provided : I submitted a police report documenting the identity theft, a written affidavit detailing the fraudulent activity, and proof of my identity. 
Impact of Negligence : Despite these efforts, Bank of America : Substantially reduced my credit limit. 
Reported a past-due balance to the credit bureaus, further damaging my credit score. 
The consequences of this mishandling are significant. My credit score has plummeted at a critical time when I am actively seeking housing. Bank of Americas failure to adequately investigate and rectify this situation has exacerbated the harm caused by the identity theft and added unnecessary stress to an already challenging situation. 

This experience reflects a breach of trust and an unacceptable lack of support for a long-time customer during a financial crisis. I expect immediate action to correct the errors, restore my credit standing, and provide the necessary support to resolve this matter.

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 2024-12-17 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: IL

Complaint narrative:
I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ XXXX XXXX XXXXXXXX ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter.

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries.

Thank you for your attention to this important issue. I look forward to your timely reply.

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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I was approved for a {$3500.00} loan in XX/XX/2023 and started the payments and everything was fine and the company told me in XXXX. I had to sign some new paperwork so I signed new paperwork. They didnt show me what it was or anything and without making consent, they refinance the loan And I lost all the interest and all the principal payments. I paid over the 10 months that I paid previously, they signed me up for a brand new loan starting from scratch and a secured loan and I never applied for it never approved it never would because I lost {$1200.00} in this Fraudulent scheme to refinance my loan. They told me I had to sign paperwork and I went into their office and they had me sign forms that were underneath a table of glass and you couldnt see what anything said, and I signed them and left and didnt realize it until a couple of weeks ago what they had done. I never applied for this new refinance. Loan would never have wanted. It never have needed it and they scammed me, pure and simple! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am currently stuck in the SAVE plan litigation limbo and have been trying to resume payments as I am close to the end of my service toward the PSLF plan. In my effort to resume payments, I recently completed the application to switch payment plans once the online process was opened to consumers again. I filled out an application for IBR on XX/XX/year>. 

According to Federal Student Aid, my application has been forwarded to my loan servicer, Mohela. Since my application was not immediately processed, as per Federal Student AId I should be eligible for a two month processing forbearance that would count toward PSLF : " If servicers need time to process a borrower 's IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. '' However, when I contacted Mohela about this processing forbearance I was told that they would not be using it since I was already in the SAVE forbearance and that new repayment plans were not being processed, despite the interim ruling made that reopened payment plans as of XX/XX/year>. 


Thanks for you help with this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
The accounts appearing on my credit report are inaccurate and should not be grouped together. You have listed accounts that do not belong to me, which is both unjust and concerning, as I have never engaged in the activities you're accusing me of. Should you fail to investigate these discrepancies, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
The accounts appearing on my credit report are inaccurate and should not be grouped together. You have listed accounts that do not belong to me, which is both unjust and concerning, as I have never engaged in the activities you're accusing me of. Should you fail to investigate these discrepancies, I will be forced to take legal action.

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 2024-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
So I have PayPal Credit Line for use on-line. I have PayPal Mastercard. And then I guess it was checking account because I had a debit card through PayPal. An unauthorized payment came out of around XXXX  dollars. Because there was no funds. I'll came out of my XXXX XXXX checking account. Somehow was linked. So file complaint. They said the refunded money. But yet somehow they now tried to charge the XXXX something form XXXX I think was the fraud. But they said they were waiting for refund. They never got it supposedly. Amd charged off my debit account. Amd freezer my credit line and credit card from PayPal. Even though there never should have been a negative balance on the checking. I never used. Because they say it's my fault. It's clearly their fault. I need this fixed. I need my credit back in good standings. I pay my monthy card and line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-17 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-17 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: 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 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