vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: SC

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. 
On XX/XX/2024, I discovered several unauthorized credit inquiries on my Equifax credit report. I promptly disputed these inquiries with Equifax on XX/XX/2024, as I did not authorize any of them. However, Equifax within a day advised me that Inquiries are factual record of file access and will remain on the Equifax credit file two years from the reported date of inquiry. There is no way Equifax validated these inquiries in less than 24 hours. This is in direct violation of the FCRA as these are unauthorized and not initiated by me. 
As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. Equifax, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. 
By shifting the burden to me and refusing to remove the unauthorized inquiries, Equifax has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel Equifax to remove these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
Today XX/XX/year>, I woke up to see MOHELA had misreported my loan details causing my credit score to decrease significantly and my reported debt to increase by almost XXXX dollars. They had over reported my borrowing and reported 2 more loan amounts that sent my original debt of XXXX to nearly XXXX. When I called, I sat waiting on hold for awhile until I finally got an unhelpful representative. They basically told me there was nothing they could do but file a complaint, to which I did. They said they couldn't fix the credit score but that maybe in 30 to 90 business days that " maybe it would be fixed. '' They, in conjunction with the student aid gov folks, have yet to process or be helpful with the PSLF forms for millions of Americans. This whole student loan debauchery is exhausting, ruining people 's lives, and holding us all back financially. I want something to be done about this and to not be suffering at the hands of incompetent businesses who don't care if I live or die...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NJ

Complaint narrative:
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX OF XX/XX/2024 XXXX OF XXXX XX/XX/2024 XXXX OF XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-13 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: WA

Complaint narrative:
I am a victim of identity theft I have sent in multiple documentation to prove I am a victim and still do not receive any help or deletions and this is ruining my life

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 2024-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I initiated a XXXX USD funds transfer from my bank account to another bank. The money was sent via USPS, untracked first class. 
The transfer was initiated on XX/XX/2024. The funds were supposed to be available today and as of this time XXXX pm EDT the funds have not transferred yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have applied a couple of times for a credit limit increase to XXXX} at Navy Federal Credit Union and have been denied based on credit score, which per CFPB 12 CFR 1002.2 ( c ), Title 15 U.S.C 1681 and 1691 is discrimination and adverse reactions to grant credit, which has caused extreme hardship for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report. 

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home. 

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed. 

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report. 

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Card repeatedly denied credit card applications without valid justification as to why they did so. Furthermore, the pre-qualifying application page no longer works- most likely due to the webmaster of the credit card company deliberately removing the application page to prevent the application being processed again. Have sent in numerous requests and almost all the applications were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I Closed on a home refinance with XXXX XXXX XXXX ( account number XXXX ) in XXXX of this year. I prepaid for some XXXX  and paid for insurance in full. Within a few months they transferred my servicing to Shellpoint Mortgage Servicing ( account number XXXX ). Then I get letters from my town that the property taxes werent paid and it was accruing interest. I called Shellpoint and they said that there wasnt any XXXX  money for it and I will not be charged the interest charges on the property taxes. Long story short, I receive a check in the mail from my insurance company because Shellpoint double paid. I immediately called Shellpoint to tell them to void the check and put it back on my account. It took a while and it was put back into my XXXX. I called Shellpoint to reimburse me for the tax interest money that they paid in my name because it wasnt my issue. They basically told me that its not their issue and I should XXXX  it with the previous servicer. Now XXXX stuck with a loss of money because of the servicing game these mortgage companies play. Theyre a nightmare to get ahold of but thats not the main issue here. 

Please help me with this. Its not about the money, its more about the XXXX  that large corporations take advantage of the little person. 

Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc.
State: PA

Complaint narrative:
I have had an account with XXXX for some time and this is now the second time this has happened for the same transaction type and client- I received a somewhat large ( to me ) payment from a client for a second deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because XXXX is withholding my money. Additionally, last time, they called my client directly to verify ( which they did, but though XXXX was very unprofessional in doing that ), so this is not a new transaction to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 3 accounts with Bank of America. Accounts ending in XXXX, XXXX, XXXX. Ive always managed my cards correctly havent had any problems paying what Ive used, and always tried to keep a good relationship with Bank of America. So recently Ive missed a payment or 2 on one or more of my accounts. I contacted Bank of America to see if they were able to put me on a hardship program so I can catch back up with the relationship that we had. I was then informed that all my accounts were closed and that they were offering some type of settlement. This is unheard of usually accounts are closed after 6 months or continuous non payments i literally only missed one payment on one account XXXX and I believe 2 on the others XXXX, XXXX. I then asked that if I agree to a settlement will can they do a good will and remove it from my credit report and delete the account. They refused and gave me a hard time, stating that will absolutely not happen verbatim. They offered a settlement of 55 % on account XXXX which is unbelievable. I didnt even want to close my accounts or for it to come to this I cant believe a relationship I thought was great is ending like this because of one missed payment. Truly unheard of, I had no intentions on this happening just literally wanted to get on a hardship program to catch back up. I want to come to a solution, Id really like to avoid filling bankruptcy where Bank of America would get nothing but it seems that theyre unwilling to compromise.

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 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Suggested the debt has changed hands and is with a collection agency, hence, I never received a contract, signed by anyone agreeing to repay the collection agency. On any of the charge off accounts, I never received a 1099 since the debt has been charged off/written off, and I no longer owe the debt, therefore any collections from a 3rd party is not valid and I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have no connection to the listed creditors, and these inquiries do not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
I reviewed. my consumer repot and noticed that I had two late payments on an account that I never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to The best of their ability with maximum accuracy. I have never been late on payments for The accounts that I have included screenshots inside this complaint in on The dates of [ XX/XX/year>, XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to The fact I was never late. Thanks! Please see screenshots 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 2024-09-13 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 was shocked this morning when I noticed inaccurate accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, there were sudden discrepancies out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The inaccurate accounts remained, and its extremely concerning. I really hope the documents Ive sent will be reviewed properly so I dont have to deal with this anxiety again.

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