vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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:
To the Consumer Financial Protection Bureau, I equally want to give formal complain that XXXX made an unauthorized hard inquiry on my credit report. Although I have tried several approaches not to face this problem, I have not succeeded. Again, XXXX recommended that I contact Experian since I was told by them that they did not start the hard pull. But to this date, neither Experian nor XXXX has been in a position to produce any paperwork that demonstrate that I authorized the inquiry. I was advised by XXXX to contest the inquiry using a process that informed Experian of the inaccuracy of the inquiry. Though they gave these instructions, Experian has denied to delete the unauthorized hard pull from my credit report. This is humiliating and offends me greatly since it puts a stamp of negativity on my credit status without prior permissions from me and thus I kindly seek the CFPBs intervention for the expeditious and satisfactory solution.

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 2024-10-12 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: MN

Complaint narrative:
Equifax, is one of the three major credit reporting agencies. 
In XXXX of 2017, Equifax experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action lawsuit and Equifax provided seven years of free credit monitoring services. 

On XX/XX/XXXX I called Equifax Customer Care at XXXX and spoke to XXXX, not sure if that is the correct spelling of her name, to inquire if there is an option for two-factor authentication when logging into the Equifax website . I was told they do not have 2 factor authentication, it is not an option. 

How is this possible that one of the three major credit reporting agencies that has access to all my personal information, does not have a security method in place that requires two forms of identification to access my data and resources? 

XXXX and XXXX both require two-factor authentication before accessing all my personal information. Equifax should make two factor authentication available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy Cash/CCFI This company makes us sell these XXXX prepaid cards to people. The customers are unaware of the fees. Speedy Cash/ Community Choice Financial gave us a map that we must follow to get the customer to add their complete loan to this card. The card is associated with monthly fees and fees every time the customer swipes their card. If a customer is going there to get a loan why would they want this card with extra fees? If the customer wanted the full amount in cash we were told to tell them they at least have to load {$100.00} or the minimum of {$50.00} and the rest they get in cash and this helps alleviate some of the interest on the money in the store. They pay the employee {$5.00} per card sold as long as the customer loads at least XXXX. It used to be XXXX minimum load and then XXXX moved it up to a minimum of XXXX. This is very unfair to the customers. I dont know exactly how much money CCFI Community Choice Financial was making when we sold these cards but Im sure it is a lot otherwise they would not push for us to sell them. When I started they said we at least need to sell XXXX. Then they said we had to sell XXXX per person a month. This company is rediculous. They dont even give the customer the fee schedule so they can see it they just have them scan a QR code as part of their registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
I applied for a loan through UPSTART ( XXXX  ) and was denied because the company could not verify my U.S. Citizenship. I am a U.S. Citizen and XXXX combat veteran working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The company stated my loan was denied due to a policy stating since I was not military but worked overseas, I could not qualify for a loan until I returned which is more than 30 days, I am a victim of discrimination on a loan and will seek legal actions based on discrimination. I have already sent the company a copy of my U.S. Passport, my U.S. Driver 's License, my Veterans ID card, my mortgage statement which all state I am a U.S. Citizen and still was denied based on the fact I am working overseas  and not a current U.S. military member.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I have a problem with Trans Union and I would like some help. Today if I check my credit report, there is a hold or lock on my credit report that is exempting me from applying for XXXX credit card. Every single time I try to go to TransUnions website with the intention of trying to solve this matter, the blocked message will appear no matter the browser or device used. I have not been able to find any solution by seeking assistance from TransUnion customer care, and therefore I leave for the CFBP to try and sort this out for me. I kindly humbly request you urgently to instruct all freezes, blocks or holds to be lifted from my TransUnion report to enable I go on with my credit applications unhindered.

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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.

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 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was scammed by someone impersonating XXXX XXXX XXXX XXXX  and I give him one time access to my banking account. I was thinking Im getting a loan but he start taking money from my checking account and putting in false checks to my account making me think I was actually getting a loan but he was taking money from me instead. Lesson learn!!

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 2024-10-12 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: OH

Complaint narrative:
My credit reporting is not reporting the most recent balance for XXXX XXXX credit card

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 2024-10-12 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: OH

Complaint narrative:
My credit reporting is not reporting the most recent balance for XXXX XXXX  credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: OH

Complaint narrative:
My credit reporting is not reporting the most recent balance for XXXX XXXX  credit card

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 2024-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Submitted a complaint here and received my Navient Misconduct Discharge Application on XXXX. I filled out the application and was denied. 
I like many other victims went to a school that caused harm and conducted in acts that resulted in discharge approval for others that went to my school. XXXX XXXX XXXX XXXX XXXX. I would like to appeal and fill out the application to discharge my private loans as well as send in more evidence against the school I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax, I hope this letter finds you well, I wanted to bring to your attention a concern I currently have with Equifax. There was something wrong with my Equifax credit report to which there is a block or freeze on this application on the XXXX XXXX XXXX. I have tried multiple times to work out this problem directly with Equifax but I still could not gain access to your website as each time I am blocked regardless the browser or the device I use. Unfortunately I havent had much success with trying to resolve this issue with equifax customer service and thus far there has been no resolution to this problem other than to report this to the Consumer Financial Protection Bureau ( CFPB ). I kindly appeal to your assistance in helping to ensure that all forms of freezing, blocking or putting a hold are lifted from my Equifax report at the soonest so that I can continue going through the credit applications process without undue hindrance.

I wanted to literally say thank you for your timely response to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: MA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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 am filing a complaint against Experian for unauthorized credit inquiries on my credit report. Specifically, the inquiries from XXXX XXXXL and XXXX XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXwere not authorized by me. Despite disputing these inquiries directly with XXXX, they have refused to remove them. 
This action violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) : Requires consumer reporting agencies to investigate disputes regarding the accuracy of information on a consumers credit report, typically within 30 days.

15 U.S.C. 1681b : Defines permissible purposes for accessing consumer credit reports, none of which include unauthorized inquiries. 
15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information ( like XXXX ) to ensure the accuracy and integrity of the data they provide.

These unauthorized inquiries are adversely affecting my credit score and financial well-being. By refusing to remove these inquiries, Experian is not only neglecting its duty under the FCRA to maintain accurate and authorized information but is also infringing upon my consumer rights. 
I request the FTC to investigate this matter and ensure that Experian complies with the FCRA by : 1. Removing the unauthorized inquiries from my credit report.

2. Implementing measures to prevent future unauthorized inquiries.

3. Providing assurance that Experian adheres to all relevant provisions of the FCRA to protect consumer rights.

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 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collection is the constantly calls different times throughout the day and consistently sending mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-12 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 confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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 2024-10-12 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation