vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX For unknown reasons without my consent, this institution above submitted a Hard Inquiry for my credit report for Equifax only. I have NEVER dealt with them nor can I find information for this scam company. Equifax requires I create a report with FTC to be able to remove this. Please help me remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: MOHELA
State: VA

Complaint narrative:
I paid off my student loans in XX/XX/year> and Moehla keeps contacting me for payment. ( See paid in full letter attached. ) I have been calling and writing in for 2 years trying to rectify this and they hang up and do not respond. I am scheduled to make payments next month on a loan that is already paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I never did business with Sequium Assests Solutions and this company is reporting a debt on my credit that I never did business with these people and I also looked and I see they are not licensed and bonded to do business in my state that I am in I never signed no account or nothing with these guys at all as a consumer this is a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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:
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Last year, somebody stole my or my authorized user identity and made unauthorized purchases with my Discover card. Besides that, they used my linked bank accounts to make unauthorized payments to my Discover Card. The packages were delivered to the mailroom and dropped there. Discover Card made me liable for those purchases and keeps requesting " new information '' ; however, they don't have ways to deliver " new information '' as all pictures and video I tried to submit them were not acceptable by fax. This year, somebody used my linked bank accounts to make unauthorized payments to my Discover card to spend over its credit limit for unauthorized purchases, and Discover card did not take that " new information '' for consideration of my last year claim. They requested filing a police report, then they requested me to make the police to call them, they requested pictures, videos, and documents, but they did not even give me ways to submit those pictures, videos, and documents, as their fax was not capable to show all details, and they refused to accept my XXXX and other links to see my pictures and video I had try to submit. Discover Card Customer Protection Services keep playing stupid games with me by pathologically denying all new evidence and " information '', which they hesitate to analyze, and they literally blame me for being a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: MI

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  XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
On or around XX/XX/2024, I disputed the validity of the debt and requested verification. Specifically, I asked for the original account-level documentation, the purchase agreement or contract, and proof that the statute of limitations on this debt has not expired. 

Instead of providing the requested information, Eaton Group Attorneys LLC responded with documents that are inadmissible and insufficient for validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Correspondences related to this matter are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I never did business with this company and never did I sign into any business 's agreement with them to report anything on my credit report and I also looked this collection company up and they are not even licensed and bonded in the state I live in to attempt to collect on this debt that I have no knowledge of,,, as a consumer this is a violation of my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was shock to see this account open on my credit report I never gave anyone permisson to use my credit to open any accounts this account is fraudulent please remove it of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi Equifax, i just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the XXXX XXXX  and people stole my identity to commit fraud. This fraud car loan was not authorized or not sign by me and shall delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report.

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have been paying this debt off little by little every month and this debt collector keeps calling and calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi Equifax, i just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the XXXX XXXX and people stole my identity to commit fraud. This fraud car loan was not authorized or not sign by me and shall delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My PenFed Cr Un ET AL XXXX XXXX CHECKING ACCOUNT Which is Joint with my wife & Power of Attorney advertisement says TWO DAY EARLY DIRECT DEPOSIT. 

Until today XXXX my paycheck always has been direct deposited and shows 100 % AVAILABLE on EACH & EVERY SATURDAY EARLY MORNING approx XXXX to XXXX EXCEPT DOES NOT SHOW ANY DEPOSIT OF MY PAYCHECK TODAY. 

My wife asked through their APPs SECURE email but EVERY AGENT HAS REFUSED TO ADDRESS THIS EXACT QUESTION BY ONLY GIVING NON-SENSE ANSWERS, MAKING EXCUSES OR AVOIDING ANSWERING THE QUESTION DIRECTLY - MORE ILLEGAL BUSINESS PRACTICES BY PENFED CR UNION ET AL? 

Would really really lije tge 100 % VALUD TRUTH? Can we charge Pen Fed Cr Un INTEREST FOR RESTRICTING MY ACCESS TO MY MONEY? Can they be Issued PENALTIES FOR THIS SAME RESTRICTION? 

My wife has all the emails & screenshots of secure emails requesting why, as proof for doj, FEDS TO SEE ALSO.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I applied for an auto loan on XX/XX/XXXX with XXXX, they rejected my application and informed me that other people were using my SSN. I immediately contacted all three credit bureaus. They confirmed that only the last 4 digits of my SSN were visible and when I explained the situation about my auto loan rejection, they escalated my case to a supervisor who could see the full SSN. The supervisor confirmed that there was a discrepancy in my SSN : the third digit was incorrect in XXXX, and the entire SSN was incorrect in TransUnion. I mailed all my proof documents, and they informed me on XX/XX/XXXX that my SSN had been corrected. 

However, when I applied for another auto loan with XXXX on XX/XX/XXXX, it was rejected again due to concerns that others were using my SSN. I need assistance in correcting my details with all three credit bureaus. I have obtained credit reports from all three bureaus, but I can not find my full SSN listed. All other details on the reports are correct.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I applied for an auto loan on XX/XX/XXXX with XXXX, they rejected my application and informed me that other people were using my SSN. I immediately contacted all three credit bureaus. They confirmed that only the last 4 digits of my SSN were visible and when I explained the situation about my auto loan rejection, they escalated my case to a supervisor who could see the full SSN. The supervisor confirmed that there was a discrepancy in my SSN : the third digit was incorrect in XXXX, and the entire SSN was incorrect in XXXX. I mailed all my proof documents, and they informed me on XX/XX/XXXX that my SSN had been corrected. 

However, when I applied for another auto loan with XXXX on XX/XX/XXXX, it was rejected again due to concerns that others were using my SSN. I need assistance in correcting my details with all three credit bureaus. I have obtained credit reports from all three bureaus, but I can not find my full SSN listed. All other details on the reports are correct.

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 2024-06-22 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report. 

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.

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 2024-06-22 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report. 

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.

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 2024-06-22 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: MI

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 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 non-monetary relief
Consumer complaint received 2024-06-22 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: MI

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 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 2024-06-22 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: MI

Complaint narrative:
Experian & XXXX continue to report incorrect information on my consumer report my name and address are listed incorrectly. My name is XXXX XXXX and my address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX to there should be no other names or addresses listed on my 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 2024-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Syst attached a fraudulent account to my credit report. I am the victim of identity theft ( major data breach from credit reporting agency ). As a result of identify theft, an unknown individual opened a XXXX account in my name ( I would not open a XXXX account because I have iPhones, tablets, and other devices through XXXX XXXX XXXX since XXXX ). This unauthorized XXXX account was removed from my credit report in XXXX. However, when Jefferson Capital purchased this account from another debt collector, this account reappeared on my credit report recently. Jefferson Capital needs to remove this account from my credit report since it has already been documented that this account was created through fraudulent activity. Based on these unethical practices, I am currently investigating legal options.

Company response to consumer: Closed with explanation