vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MS

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I am eligible for forgiveness under the " Public Service Loan Forgiveness '' program, having worked for a variety of XXXX ( c ) ( XXXX ) non-profits since XXXX. However, even though I have made more than the required XXXX payments ( XXXX payments as of XX/XX/XXXX ), MOHELA continues to send me a bill every month. 

Upon further investigation, I have found that MOHELA lacks proper records for XXXX of my monthly payments ( XXXX ; XXXX inclusive ). I have my checking account records proving that my loan payments were made during these periods. And my employment has been certified as qualifying for PLSF for these periods. 

As an example, I have attached a sample of a checking account statement showing my payment that MOHELA has failed to register in its records. 

I have tried, on multiple occasions, to resolve this with MOHELA, but can not even get a representative on the phone. MOHELA 's delay is placing an unnecessary burden on my family 's finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In the month of XXXX as a graduation gift, I received an AMEX gift card with a balance of {$100.00} on it. I didnt attempt to use the gift card until XX/XX/year>. On XX/XX/year> I attempted to use the AMEX gift card to refill my XXXX gift card balance but after three failed attempts because XXXX wouldnt accept it ( each attempt it would remove XXXX cents from the gift card balance ) i decided to try and purchase items from my XXXX cart. The total of the cart ended up being {$100.00} which I put the gift card down as a debit card for the payment and the XXXX dollar amount was covered from my XXXX gift card balance that I already had, the payment went through according to XXXX. As of XX/XX/year> XXXX emailed saying the payment was failed and I must replace the payment method. When I attempted to call the AMEX gift card number to try and check my balance the number said that the gift card no longer worked and the balance was no longer available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am seeking your assistance with this incorrect account appearing on my credit report. This issue is harming my reputation, and I need your help to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Remove these accounts because the payment history report continued reporting a charge off after the closed date This represent an improper use of my report XXXX XXXX XXXX XXXX XXXX

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 2024-07-22 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: FL

Complaint narrative:
I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX XXXX ) this account was included in bankruptcy and the bankruptcy was given a hardship discharged XX/XX/XXXX due to his passing away. The account needs to be removed.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year> I receive a letter from XXXX XXXX stating that I have paid debt that was owed ad they will be removing this account from all my consumer reports. XXXX and XXXX has removed the account. Im asking that this inaccurate account e removed as well immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-22 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:
I submitted an application to refinance my vehicle. The application was approved but when attempting to open a corresponding checking account with the bank they advised that Equifax had an alert on my credit and would not release the report. I called Equifax and they advised that they removed the alert. The bank check and still could not obtain my report. I called Equifax 3 more times and they advised an alert was still on the the file and I need to send in documents to verify my identity. I sent in the documents and they still will not release my report. I have called a total of 6 times and speak with different people with no progression towards a resolution. At this point the application has gone stale which will require them to pull my credit again causing more inquiries and dings to my credit score when/if my report gets released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

Please see attached Identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ). 

Please see attached Identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently investigated my XXXX credit report and noticed the account listed directly below is in the " Accounts with Adverse Information '' section, when it is in good standing, and verified by the credit card company as paid on time. 

Bank of America # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Account with Adverse Information '' designation on this account from my credit report, immediately.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have multiple hard inquiries that was not authorized on my credit report that needs to be removed that was previously disputed with Equifax already. I also have a charge off from XXXX XXXX on my credit report that has been reported nuremous times to Equifax that goes against 15 USC 1681 ( e ) B. 

IRS states once the account has moved over into charge off status, the lender has accepted the fact that theyre not going to be able collect the debt causing the lender to file on their taxes as discharge debt causing the debt on the consumers end to be cancelled or forgiven. The lender failed to provide me a XXXX form making it become income has to be filed. Due to it becoming income and it is to be reported especially something as derogatory, it has to come off my report because that is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
XX/XX/year>. I was reviewing my email and noticed that I had several alerts about a new inquiry on my credit report. I immediately began researching to what prompted this alert. I then noticed that the inquiry was from JPMCD which turned out to be chase bank. I then reached out to Chase via phone and informed them that I had not submitted an application for a credit card. They then proceeded to tell me that the credit card application would be canceled indefinitely, I asked agent over the phone. What other steps I should take in order to prevent this person from applying to other agencies. He then stated that I should contact the different credit bureaus. I then reached out to XXXX and was able to freeze my credit report through them as well as file a fraudulent alert inquiry. They stated that the process to remove this inquiry from my file could take up to 72 hours, I then proceeded to XXXX, I was able to freeze my account Using the automated messaging system. I noticed that the inquiry was posted on XXXX and XXXX. I then reached out to XXXX via phone through an agent. I explained my situation and to my surprise I did not have the same process of eliminating this inquiry off my credit report. They stated I need to submit a police report or reach out to the federal trade commission and submit a written request in order to remove my inquiry. I then received an email from XXXX stating that my inquiry was successfully removed, but unfortunately it still appear in my XXXX report. XXXX was able to assist me in adding extra layer of protection. I have been trying hard to raise my credit score. I am currently not a homeowner and my goal was to have a decent credit score by the end of the year. Unfortunately, my information has been compromised and I hope that this issue is resolved promptly. Thank you for your attention in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Company as taken over the allowed 30 days to give a resolution to credit report dispute. Dispute was filed XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This XXXX XXXX card appears in my credit reports, specifically in Equifax. I've called the bank and the credit buros, several times, but no ones helps me. I've requested documents and never gets them. The card is from 2016, and appears as a Charge Off in my report. The account ends in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

Please see attached Identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This Citi bank card appears in my credit reports, specifically in XXXX. I've called the bank and the credit buros, several times, but no ones helps me. I've requested documents and never gets them. The card is from 2016, and appears as a XXXX XXXX in my report. The account ends in XXXX.

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