vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: AL

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. 

Account Name :XX/XX/LEAD Account Number:XX/XX/Account Name : XX/XX/XXXX Account Number:XX/XX/ Account Name XX/XX/LEADXX/XX/XXXXAccount Number:XX/XX/1494 Account Name : XX/XX/XXXXAccount NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I noticed there is a hard inquiry on my XXXX credit report from COMENITYCAPITAL/XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at Comenity capital nor authorized them to access my credit file. I called Comenity capital. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with XXXX. 

I submitted a dispute to XXXX, but they got back to me saying the inquiry is factual and can not be removed. 

Even though Comenity bank claimed that they do not have any application or account under my SSN, XXXX insisted that after investigation they believe it is legitimate inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-13 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a letter in the mail from Chase Bank requesting more information for the credit card that I supposedly applied for. This account was opened on XX/XX/XXXX by somebody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WY

Complaint narrative:
XXXX this company attempted to collect a fraudulent debt. It was disputed and taken off my credit report XX/XX/23 another fraudulent debt collection was placed on my credit report. Disputed and removed XX/XX/23 a third attempt XX/XX/23 a fourth attempt and now it csnt be disputed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2023, I applied for the American Express XXXXXXXX XXXX  card. During the application process, I did not receive any pop-up window or notification indicating that I did not qualify for the XXXX welcome bonus points. 

However, when I contacted American Express customer support on XX/XX/2023, I was informed that I am not eligible for the XXXX welcome bonus points. This discrepancy between the initial application process and the information provided by customer support has left me feeling misled and frustrated. 

I believe I meet the eligibility criteria for the XXXX welcome bonus points, as outlined in the terms and conditions for the American Express XXXX credit card. I have maintained a good credit history, met the spending requirements, and fulfilled all other stated conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Between XXXX and XXXX of XXXX, I initiated multiple communication attempts with Equifax in an endeavor to rectify inaccuracies within my credit report. Regrettably, as of XX/XX/XXXX, my credit report remains inaccurate. Disturbingly, I have ascertained the existence of XXXX or more credit profiles associated with Equifax under my name. During XXXX, I diligently furnished Equifax with my driver 's license as supportive documentation, evidencing the inaccuracies present in my information. 

The repercussions of this persistent inaccuracy have manifested in manifold adversities. Firstly, my capacity to secure credit is impeded, as XXXX profile exhibits an absence of trade lines, while the other presents erroneous information. Furthermore, there exist items necessitating dispute, yet I find myself incapable of initiating the dispute process. Additionally, my access to the credit report itself is presently obstructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: OK

Complaint narrative:
My XXXX, transunion and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

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 2023-10-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My experian, XXXX and equifax credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX credit cards that had the ability to pay the balance using a debit card from my bank. I have paid the full statement balance, on-time, every month. XXXX  ( XX/XX/2023 ), I opened the app to make a payment that is due on XX/XX/2023, and the option to make a payment using a debit card is gone and the only option is to link your bank account and routing number. No communication from Capital One that this was going to happen and it affects my ability to honor the agreement we had. I understand they have a right to change terms but proper communication is expected. When I talked with Customer Service, no options or explanations were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I received an alert that my credit report was updated. I checked XXXX ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. I have been living abroad for over a year and don't have any accounts open in the US apart from my credit cards. I disputed this with XXXX but the fraudulent account wasn't removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This company has still not resolved my issues. I filed a dispute with chase credit card company. No one reached out to me to fix this issue. The XXXX account that was charged to my credit card I did not process or charge to the account. There was another individual who had access to this account XXXX XXXX. I believe she started this account. I do not have login information and I am unable to contact XXXX as there customer service is only handled via email but I do not know anything about the account it was started under XXXX XXXX. I need this request canceled and refunded to me. I refuse to accept this answer as this is a flaw within the chase system. I had requested my account to be closed on XXXX the XXXX XXXX. This was chargee to an account that should have been closed LONG before the webflow charge. I spoke with Chase business accounts representative XXXX XXXX at Chase on XXXX XXXX XXXX Ohio. SHE told me all of my accounts were closed on that day. The charge for XXXX was charged under XXXX not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding LLC is reporting inaccurate and unverifiable information. The account numberXXXX under reference number XXXX can not verified under personal information with LVNV funding and XXXX XXXX XXXX XXXX XXXX. I am requesting that LVNV funding LLC delete this account from my credit profile under the FRCA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verify able information to the consumer credit report. If the information is not accurate or verify able it should be deleted. XXXX XXXX from XXXX XXXX XXXX could not verify that my social matched the social they had for account ending in XXXX. Under section 605B ( a ) ( 1 ( ) 2 ) of the FCRA XXXX XXXX XXXX and LVNV funding, a consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identities as information that resulted in identity theft, not later than XXXX business days after the date of receipt by such agency of a copy of an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX  XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX  posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
Formal Complaint Against MOHELA for Failure to Implement Public Service Loan Forgiveness ( PSLF ) To Whom It May Concern, I am writing to formally file a complaint against MOHELA for their failure to implement the Public Service Loan Forgiveness ( PSLF ) as mandated by federal law after my completion of 120 qualifying payments. Despite fulfilling all the requisite criteria set forth by the Department of Education and the PSLF program, I have been met with administrative hurdles, lack of clarity, and ultimately a failure to forgive my loans as promised.

Chronological Overview of Events Initiated loan repayment plan on XX/XX/XXXX. 
Completed 120 qualifying payments as of XX/XX/XXXX. 
Submitted PSLF application on XX/XX/XXXX. ( Several prior attempts as well. ) Application on hold pending processing as of XX/XX/XXXX. 
Attempts to Resolve the Issue I have reached out to MOHELA 's customer service multiple times to resolve this issue. Each time, I have been given vague or contradictory information, complicating the process further. Despite supplying all necessary documentation to prove my eligibility, my application for forgiveness continues to be denied. 

Violation of Federal Law I believe that MOHELA 's actions are not just an administrative error but a violation of federal law concerning the Public Service Loan Forgiveness program. They have failed to honor the commitment made to borrowers who dedicate their careers to public service.

I kindly request that the CFPB investigate MOHELA 's business practices related to the PSLF program. I also request that actions be taken to ensure MOHELA complies with federal regulations and proceeds with loan forgiveness as stipulated in the PSLF program.

I am prepared to provide further documentation or testimony if required. I look forward to a prompt resolution to this serious issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I keep getting collections calls for XXXX XXXX. I am XXXX XXXX. Every time, I correct them. They keep calling. 

The number that called was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-13 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NY

Complaint narrative:
I am filing this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

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 2023-10-13 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX is a fraudulent account from my identity theft, please delete immediately.TY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am asserting that this debt is not valid and is unauthorized. I have not had any prior knowledge of this account, nor have I ever entered into any agreement or contractual arrangement with the creditor associated with this charge. To help you properly investigate and resolve this dispute, I kindly request that you provide me with the following information : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

If this info can not be provided please remove this unauthorized account within 30 days

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late FOR ANY PURPOSE.

Company response to consumer: Closed with explanation