vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX : # XXXXXXXX XXXX : # XXXX, has violated my 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX my Identity was stolen and I had to freeze my credit. Experian is the HARDEST COMPANY TO GET A HOLD OF. 

I signed up for an account and locked my credit. It kept getting unlocked. I tried to contact them to see why this was happening, maybe someone hacked my account. They said they had relocked it. 

I tried to login to my account multiple times. I couldn't and their system wouldn't send me a reset email or text code even though it said it did. 

It is now XX/XX/XXXX and I am still trying to gain access to my account online and can't. 
Their constomer care number is an automated system that redirects you to do it online... but since I don't have access to my account I can't do it. 

Eventually through a XXXX article I found a number to call- which is not listed in any convenient place on their website. 

XX/XX/XXXX XXXX I finally got a hold of a person who told me my credit freeze was unfrozen a day after I put the freeze on in XXXX. This was not done by me and how could they unfreeze it without my permission. She didn't know. She also said my account had been deactivated which is why I couldn't log in. 

I have a listed everytime I spoke to Experian over XXXX XXXX and this never came up. 

Their customer service is atrocious and they should be better as a major credit bureau. If XXXX and XXXX can make it easy to contact someone or have access to your own account, why can't Experian.

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 2025-01-14 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: NJ

Complaint narrative:
I am writing to you as the holder of the following accounts : Account number XXXXXXXX CREDIT CARD Account number XXXX CREDIT CARD The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In XX/XX/XXXX, a {$1000.00} check from my Retirement Account ( XXXX  ) via XXXX XXXXXXXX XXXX was sent to me XXXX. Upon realization the check had been delivered in my absence ( 2 days ), I immediately contacted XXXX to report the check stolen from my residence. Some weeks after, I was mailed paperwork by XXXX which included a copy of the stolen check with fraudulent signatures that had been deposited into a Navy Federal Account via mobile deposit. I was told to initial the copy and send it back to XXXX. I maintained communication and was sent an affidavit form to complete and mail back. I was told that an investigation was ongoing at that time, but I've heard nothing since that time. As I continued my follow up with XXXX on XX/XX/XXXX, I was told by XXXX reps that I would have to get XXXX XXXX to re-produce the check without documentation. I contacted XXXX XXXXXXXX XXXX  that same day and was told that Navy Federal is responsible for the check being cash fraudulently and the issue was in their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
Notice to agent is notice principal notice to principal is notice to agent : Furnishing credit report to person without permissible is in violation of 15 usc 1681 ( b ) ( c ).

15 usc 1681a states that a consumer report does not include information solely as to transactions or experiences between and the person making the report is excluded .15 usc 1681b ( 3 ) that permissible purpose must be given .15 usc 1681e that such report must be fair and accurate, I have noticed some inaccuracies on my report; such payments, closed accounts, balances

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 2025-01-14 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I contacted the plan administrator on three occasions before the final checks were sent out as I was a paid subscriber and user of LexLaw credit repair services and fell under the lawsuit. I did not find out about the lawsuit until XXXX day to which I emailed the plan administrator according to the cfpb lexlaw directions. I included my full name and my request. I used to live in the Bronx but moved to Pennsylvania. I included a new address. Being that it was a holiday no one was available to answer the phone I followed instructions on the hotline and on the written documentation on the website. I then requested the check in writing according to the guidelines. I got back the exact response that was outlined On the Plan Administrators page. I then waited as I did not hear from anyone and contacted the Plan administrator again on XX/XX/year>2025 twice as I was sent the same form email after following instructions to send updated information via email since phone calls would not be accepted until after the XX/XX/scrub>/2025 date when final checks were mailed out. To date I received three emails with the same information and nothing returned back to me about the settlement and when I will be mailed a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; Transunion is XX/XX/year>, XXXX has XX/XX/year>, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/year>, Equifax has XX/XX/year>, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/year>, XXXX has XX/XX/year>, and Experian has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.

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 2025-01-14 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: TX

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: WA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-01-14 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:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, An auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX, An auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, An student loan account opened at US DEPARTMENT OF EDXXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX on XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).

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 2025-01-14 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: OH

Complaint narrative:
I contacted MOHELA on XX/XX/year> to request repayment options for lowering my monthly payments for my private student loan. According to their website they had six options that I would qualify for. Based on the descriptions provided the two best options for me would have been the extended term repayment plan or the rate reduction program. After explaining my financial situation to the representative, she informed me that the only option they could provide to me was the interest-only repayment program. This is the least acceptable program available to someone in my situation. I was only asking to lower my monthly payments and extend the life of my loan in order to pay it off, but instead MOHELA wants to place you in a program ( interest-only repayment ) that only reduces your monthly payment for six-months, your monthly payment increases after the program period ends, your total loan cost will typically be greater over time because accruing interest continues during the forbearance. 

Based on the information and research I've come across ; this is the standard practice of MOHELA. They are a predatory lender that only tries to push customers into repayment programs that extend the life of private student loans and doesn't allow borrowers to get the safe and reasonable opportunity to pay off their loans without MOHELA from profiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation
State: OK

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. You never reached out to the creditors and they are still on my report.I made a dispute to XXXX on XXXX XXXX and I called in and stated none of these accounts on my credit report were mine and inaccurate. The inquiries from experian on my credit report and didnt authorize you all to pull for every month since 2021 and I need you to stop now. You have never eIts been more than 35 days since the credit bureaus haven't responded.

That a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation