vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On my profile there were XXXX hard Inquiries Date XX/XX/2024 described as auto loan With the companies name of GM Financial XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: LA

Complaint narrative:
On XX/XX/2024, I certified mailed documents to XXXX, Equifax, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section XXXX. XXXX XXXX requires the above mentioned agencies, to remove the fraudulent items from my credit report within XXXX ( XXXX ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX Equifax received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, Equifax nor XXXX has removed the fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I entered a credit consumer transaction on XX/XX/XXXX with American Express XXXX XXXX ACCT ENDING IN : XXXX and American Express Gold XXXX XXXX ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the American Express XXXX XXXX and {$550.00} for the American Express Gold XXXX. I called American Express XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to XXXX XXXX XXXX with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. XXXX XXXX has been contacting me on behalf of American Express when originally I did not sign an contract with this company. I've asked American Express to remove this from my credit report due to my accounts being closed and sold to XXXX XXXX XXXX a 3rd party credit company due to it effecting my way of life and I was told that American Express is not authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TN

Complaint narrative:
Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud

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 2024-02-15 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: TN

Complaint narrative:
Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: World Acceptance Corporation
State: TN

Complaint narrative:
Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I need a detailed assistance with Reference ID : XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX  Up last year and ran low on Money, Wells Fargo hammered Me with Overdraft Fees. They've begun again, While they are refusing some transactions over {$35.00}, they are allowing small transactions under {$20.00} or less, then hitting Me with a {$35.00} Overdraft Fee, Strictly For Profit, at My Expense. They've hit me for {$100.00} in the last few days. 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 explanation
Consumer complaint received 2024-02-15 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 am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 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 Please send me the source of these inaccurate accounts. 
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 Please send me the source of these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX Mortgage XXXX. XXXX RPM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed the balance on my student loan is reporting inaccurately and is adversely affecting my credit score. This inaccurate reporting does not meet the FCA reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CHERRY TECHNOLOGIES INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with Cherry Technologies Inc . I learned that an account was opened in my name without my knowledge or consent in XX/XX/year> when I received a credit alert that a charged off account was reported on my XXXX credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted Cherry Technologies to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with XXXX. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-15 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: FL

Complaint narrative:
Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by XXXX XXXX XXXX Dear [ CFPB Representative ], I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with XXXX XXXX XXXX, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. 
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. 

In light of XXXX XXXX XXXX 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. 

Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Despite my efforts to communicate with XXXX XXXX XXXX and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, 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 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This bill is fraudulent and I dont owe it. I was billed for a carpet that was flooded multiple times caused by a leak in a condo unit above. The enclosed pictures clearly show the leak coming down from above ruining my personal possessions. 
I have all the pictures and emails reporting it to the condo office and their responses saying they are trying to find it and fix it. The condo rules say that the condo above is responsible. 
They owe me money for my damaged personal property. 
I keep having to have this removed as they keep selling it to another collection agencies and put it back.

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 2024-02-15 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: 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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:
XXXX XXXX as a collection agency and original creditor XXXX XXXX are both reporting the same debt on my credit report. Both a debt buyer and the original creditor can be collecting on the same debt, especially if XXXX XXXX sold the debt to XXXX XXXX. Please delete both of these accounts from my credit report for incorrect reporting. this is double jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
I applied through XXXX XXXX XXXX  to receive an Income Driven Repayment plan ( XXXX ) and was approved under the SAVE plan for a fixed monthly payment. 

My loan servicer, EdFinancial, has repeatedly failed to honor the payment amount set and approved by the IDR under the SAVE plan. Despite my monthly compliance making payments in the exact amount set by the IDR plan, EdFinancial repeatedly flags my account as delinquent and sends messages and phone calls to me alleging delinquency. 

The delinquency notices step from errors in their servicing system that misallocate the loan payments, despite my selection of auto-allocation to ensure that my monthly payment, set by my IDR, is properly being allocated to each separate loan posted on my account. 

I have spent hours on the phone with various representatives from EdFinancial, who repeatedly are ignorant of the errors EdFinancial is having processing my payments. I have to take hours out of my day to explain the error, listen to their proposed solutions, and agree to what they say only to have the same call one month later when I make my next payment. This misallocation of my approved IDR payments violates EdFinancial 's contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my profile there were XXXX hard Inquiries Date XX/XX/year> described as auto loan With the companies name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX JPMCB auto finance XXXX XXXXXXXX XXXX XXXX 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks

Company response to consumer: Closed with explanation