vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
Have tried to get forgiveness. Set up payment plan mohela but can't make payments. Owe {$97000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out again regarding the ongoing nightmare I face due to XXXX XXXX and credit reporting agencies mishandling verified identity theft on my account. Despite providing substantial evidence like an official police report, FTC Identity Theft Report, notarized affidavit, and identification documents, XXXX and the bureaus continue to falsely attribute fraudulent charges to me. 

XXXX refuses to conduct a full investigation, instead making empty claims of " verification '' without providing any concrete evidence like IP addresses, geolocation records, or transaction metadata to validate over {$300.00} in unauthorized charges. The credit bureaus have violates my rights under FCRA Section 605A by repeatedly allowing this disputed, inaccurate information back onto my credit reports even after initially blocking the account per federal law. 

I have spent countless stressful hours trying to resolve this legitimate fraud only to be dismissed, given the run around, and left to deal with the consequences like a plummeting credit score. The financial and emotional distress caused by XXXX and the credit bureaus ' lack of urgency and accountability has severely impacted my life. 

Despite multiple attempts to directly address the issue in good faith, XXXX continues to ignore evidence and suppress my fraud claims. The credit bureaus continue reinstating unverified, disputed information. These systemic failures warrant intervention and oversight from the CFPB. 

I urge the Bureau to exercise its enforcement authority to facilitate proper investigation and resolution of my identity theft case, ensure XXXX substantiates any claims with concrete evidence, compel the credit bureaus follow FCRA procedure, and secure reasonable compensation for provable damages. The mishandling of this matter extends beyond my personal frustrationit represents the urgent need to hold financial institutions and reporting agencies accountable for their roles in perpetuating harm against consumers. I await your guidance on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: IN

Complaint narrative:
As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as XXXX and Experian do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e. Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.

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 2023-12-23 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: NY

Complaint narrative:
I am reaching out again regarding the ongoing nightmare I face due to XXXX XXXX and credit reporting agencies mishandling verified identity theft on my account. Despite providing substantial evidence like an official police report, FTC Identity Theft Report, notarized affidavit, and identification documents, XXXX and the bureaus continue to falsely attribute fraudulent charges to me. 

XXXX refuses to conduct a full investigation, instead making empty claims of " verification '' without providing any concrete evidence like IP addresses, geolocation records, or transaction metadata to validate over {$300.00} in unauthorized charges. The credit bureaus have violates my rights under FCRA Section 605A by repeatedly allowing this disputed, inaccurate information back onto my credit reports even after initially blocking the account per federal law. 

I have spent countless stressful hours trying to resolve this legitimate fraud only to be dismissed, given the run around, and left to deal with the consequences like a plummeting credit score. The financial and emotional distress caused by XXXX and the credit bureaus ' lack of urgency and accountability has severely impacted my life. 

Despite multiple attempts to directly address the issue in good faith, XXXX continues to ignore evidence and suppress my fraud claims. The credit bureaus continue reinstating unverified, disputed information. These systemic failures warrant intervention and oversight from the CFPB. 

I urge the Bureau to exercise its enforcement authority to facilitate proper investigation and resolution of my identity theft case, ensure XXXX substantiates any claims with concrete evidence, compel the credit bureaus follow FCRA procedure, and secure reasonable compensation for provable damages. The mishandling of this matter extends beyond my personal frustrationit represents the urgent need to hold financial institutions and reporting agencies accountable for their roles in perpetuating harm against consumers. I await your guidance on next steps.

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 2023-12-23 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: NY

Complaint narrative:
I am reaching out again regarding the ongoing nightmare I face due to XXXX XXXX and credit reporting agencies mishandling verified identity theft on my account. Despite providing substantial evidence like an official police report, FTC Identity Theft Report, notarized affidavit, and identification documents, XXXX and the bureaus continue to falsely attribute fraudulent charges to me. 

XXXX refuses to conduct a full investigation, instead making empty claims of " verification '' without providing any concrete evidence like IP addresses, geolocation records, or transaction metadata to validate over {$300.00} in unauthorized charges. The credit bureaus have violates my rights under FCRA Section 605A by repeatedly allowing this disputed, inaccurate information back onto my credit reports even after initially blocking the account per federal law. 

I have spent countless stressful hours trying to resolve this legitimate fraud only to be dismissed, given the run around, and left to deal with the consequences like a plummeting credit score. The financial and emotional distress caused by XXXX and the credit bureaus ' lack of urgency and accountability has severely impacted my life. 

Despite multiple attempts to directly address the issue in good faith, XXXX continues to ignore evidence and suppress my fraud claims. The credit bureaus continue reinstating unverified, disputed information. These systemic failures warrant intervention and oversight from the CFPB. 

I urge the Bureau to exercise its enforcement authority to facilitate proper investigation and resolution of my identity theft case, ensure XXXX substantiates any claims with concrete evidence, compel the credit bureaus follow FCRA procedure, and secure reasonable compensation for provable damages. The mishandling of this matter extends beyond my personal frustrationit represents the urgent need to hold financial institutions and reporting agencies accountable for their roles in perpetuating harm against consumers. I await your guidance on next steps.

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 2023-12-23 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX  Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: IN

Complaint narrative:
As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e. Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE SUBMITTED THE PREVIOUS 2 COMPLAINTS BUT I KEEP GETTING THE SAME RESPONSE. 
PREVIOUS CLAIM IDXXXX YOU HAVE MENTIONED THAT ACCOUNT XXXX IS VALID BECAUSE I RECEIVED THE BENEFIT. CAN YOU SEND ME THE RECORDS OF WHAT BENEFITS YOU ARE TALKING ABOUT? I HAVE NO CLUE REGARDING ANY OF THIS AND I ALREADY SUBMITTED TO YOU THAT MY INFORMATION WAS STOLEN BUT YOU KEEP REJECTING MY REQUEST AND THE DOCUMENTS. AT THE SAME TIME YOU ARE RESISTING TO HELP ON MY CASE AS YOU HAVE NOT PROVIDED ME WITH ANY RECORDS. MY INFORMATION WAS STOLEN AND USED FOR THESE ACCOUNTS AND I HAVE NO CLUE BUT MY CREDIT REPORT IS GETTING HURT DUE TO YOUR INCOMPLETE IDENTITY POLICY. 
SECONDLY, THE ACCOUNT ENDING XXXX IS NOT MINE OR HAD BEEN USED BY ME. BUT YOU MENTIONED ITS VALID BECAUSE THE PAYMENT WAS RECEIVED FROM THE ACCOUNT ENDING XXXX. SO NONE OF THESE ACCOUNTS ARE MINE AS THESE ACCOUNTS WERE USED FROM MY STOLEN INFORMATION. YOUR POLICY AGREEMENT DOES INDICATE BY ANY MEANS IF THE INFORMATION AND ACCOUNT HAVE TO BE DELETED IF THE INFORMATION WAS STOELN. AND I AM THE VICTIM OF IDENTITY THEFT. SO I REQUEST AGAIN TO DELETE AND DISPUTE THESE ACCOUNTS FOR HURTING MY CREDIT.

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 2023-12-23 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: FL

Complaint narrative:
After several attempts to send letters disputing inaccurate information on my credit report, I have not obtained a positive resolution to my dispute regarding inquiries. These inquiries do not serve any permissible purpose, such as a firm offer of personal credit, insurance, employment, or a court order. Therefore, I am within my rights to have a report with 100 % accurate information and within the parameters and rights granted to me by the FCRA. Additionally, I request detailed information on the verification method used for the investigation, including the date, time, and the name of the person with whom communication was conducted. I also request that you reconsider my dispute once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX  I received a call from Citizens Bank asking about some recent charges. I verified that the charges were not made by me. While on the phone with the agent I decided to log into my account. There was one more charge for {$600.00} that I was asked about and I once again stated no, I dont recognize the amount. The agent then sent me a code via text and asked me to repeat it back once I received it. I did. Then he told me to text the word yes to verify the charge was fraudulent...... I did. To my surprise I saw {$600.00} vanish from my account. I tried to speak up, the agent said no worries the money will appear back in my account within the hour. I knew I had been duped. The criminal had opened a XXXX account and stole my money. Since that time I have filed a complaint with Citizens Bank and talked with them numerous times. They refused to reimburse me as they said I authorized the charge. I visited my local branch, they were no help. I filed a police report and 2 complaints with the attorney generals office. I continue to fight to get my money back. I am XXXX XXXX XXXX, recently retired. I simply can not afford to lose money. I hope someone on your end can help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: AR

Complaint narrative:
I reached out to Trans union back in XXXX again in XXXX, XXXX and now XXXX To follow up with my complaint and they gave me the run around. Hung up on the phone when I started asking more detail questions. They have listed incorrect inquiries on my credit which cause my score to go down and I was denied credited based on what they said. Today XX/XX/XXXX  I'm trying to freeze my credit online and I'm getting denied online access. I log in and ask for a chat conversation. The Chat person I spoke to is XXXX and she said, " oh it must be a technical glitch, but I can't fix it for you you'll have to continue to call to talk to someone who can. However I can freeze your credit for you ... ''

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I call Capital one and ask the to stop reporting to the credit and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Open Dealer Exchange, LLC
State: AZ

Complaint narrative:
I have contacted XXXX and XXXX for the deletion of the hard inquiries and also the dealership and the Bank involved. I dint authorized at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as Equifax, XXXX and XXXX XXXX . XXXX XXXX XXXX XXXX has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the XXXX XXXX XXXX XXXX and the Equifax, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to XXXX XXXX to cease their reporting of my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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:
XXXX XXXX XXXX XXXX has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as XXXX, Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the XXXX XXXX XXXX XXXX and the XXXX, Experian and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to XXXX XXXX to cease their reporting of my private information.

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