vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following. 

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 )  XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian Report Number : XXXX, XXXX is a fraudulent account type. Terms 1 Months is inaccurate please remove this account from my profile.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following.

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX card XX/XX/XXXX 4 ) XXXX   XXXX  XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) 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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX XXXX XXXX 2 ) 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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In 2014 i was a victim of identity theft and this was reported to the credit reporting agencies as well as other creditors. However, this account XXXX XXXX was removed from my report but somehow reinserted a year later without warning nor proof of their Method of Verification when it comes to this particular account. I'm demanding that the credit reporting agencies block and remove this account ( 1 ) XXXX XXXX, or provide me with signed documentation of my persons or a contract consenting to the above matter. If this request can not be met then you the credit bureaus should delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has a XXXX XXXX account on my reports from XX/XX/2013. This account does not belong to me. Transunion is the only credit bureau report this inaccurate account on my report that is hurting my credit score drastically.

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 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX University. 
Debit Card stolen, Tried to get CS to assist and still to this day. They haven't and they are still holding money. 
XX/XX/XXXX Chase Bank Checking and Savings account Compromised. 
They said they sent money to XXXX XXXX.I asked why? And what makes then think they are authorised to do so..They hung up in my face. 
BOTH BANKS ARE LIARS AND THIEVES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
TODAY IS XX/XX/2020. THIS IS MY TENTH COMPLAINT TO CFPB. CFPB HAS NOT DONE ANYTHING AT ALL TO GET EQUIFAX GIVE ME A FREEZE AND PIN AT THE CORRECT ADDRESS AND CONFIRM ON PAPER. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I COMPLAIN TO CFPB THAT EQUIFAX VIOLATES FREEZE LAW. EQUIFAX DENIES ME SECURITY FREEZE. EQUIFAX LIES TO ATTORNEY GENERAL THAT I HAVE A FREEZE. EQUIFAX CONFIRMS I DO NOT HAVE A FREEZE. GET ME A FREEZE AND PIN NOW. 
RESPOND ON PAPER. 

NO CALLS, NO EMAIL, NO TEXT. 

EQUIFAX DISCRIMINATES AGAINST ANYONE WHO LACKS A CELL PHONE. 


GET BACK TO ME IN A SIGNED DATED LETTER I DISCARD ALL BOILER PLATE LETTERS UNREAD UNOPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I saw something spiteful and petty on my credit report my credit score dropped from XXXX - XXXX because I ask the person at EXPERION to render me with the law that they are trying to tell me Exist a law that says EXPERION has to keep one false negative score factor on a persons file by law I have watch this one negative thing change a number of times as I will show you in the attachment. At what I see EXPERION is doing the same one negative score factor keeps on changing over and over and over and over again now they put two of the same negative score factor, in my score factor. These are not justified in the credit file. Where did These factors come from??.

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 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Credit Corporation
State: NV

Complaint narrative:
I was mailed a " Pre-approved '' letter from Avant. It said I was approved for a credit card with a {$1000.00} credit line. It was sent to my correct and current address. When I " accepted '' the " offer '' on-line, it was switched to a {$500.00} line, and showed my OLD, no longer valid address. I corrected the address on the web form, and it showed as approved. 

Then, I received an email to " remind '' me to activate the card. Which I have NOT received, because Avant apparently mailed it to my previous address which no longer is able to receive mail ( due to excessive THEFT issues with the USPS which they refuse to acknowledge. ) I emailed Avant to advise them that the card was not ever delivered to me, and they replied that I have to call them ( yet they never answer the phone ). 

Now, I have received a BILL notice email that my statement is due soon. FOR A CARD I HAVE NEVER RECEIVED OR ACTIVATED. 

It is FRAUD to bill me for a card that I have NEVER EVEN RECEIVED, let alone activated. 

Avant needs to be investigated and fined for their ineptitude and willful FRAUD. First Bait & Switch on the credit line, then sending the card to an invalid address that was corrected on the acceptance form, then BILLING for services NEVER RENDERED. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information provided below is the same information dated on the same dates that I've sent to all the other credit reporting agencies. XXXX and XXXX have both investigated the accounts in questioned and have since complied by deleting these inaccuracies off my credit report. 
-- -- -- -- -- -++++++++++++++++ -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Credit Information Services,  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2019 Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the creditors in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see the following entries : XXXX XXXX XXXX   XXXX XXXX, judgement from XXXX Superior Court for {$6000.00}. 
Auto Loan with XXXX XXXX. It shows a balance of {$14000.00}. 
XXXX XXXX collection for {$1000.00}. 
SSA/Office. Collection in the amount of {$35000.00}. 
XXXX XXXX collection in the amount of {$370.00}. 
XXXX XXXX in the amount of {$610.00}. 
XXXX XXXX XXXX for {$3100.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with these creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Thank you for your assistance regarding this matter. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX and now is showing up on my XXXX as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX compared to my XXXX, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX  and now is showing up on my Equifax as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX  compared to my Equifax, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 

In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my Bank of America card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 

I called Bank of America and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to Bank of America that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also due to security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 

So I checked another cards that I have. My XXXX VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 

I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 

Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 

Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
This is about my XXXX XXXX credit card account ending in XXXX I spoke with a representative in XX/XX/XXXX about my account because the schedule payment had failed, causing this account to fall behind. I updated the bank account, and have make {$300.00} payments every two weeks for 2 payments now, in order to catch the account up. 

I would like the account status changed to Current ; as well as the late payments removed as a courtesy as discussed on my call with an account specialist in XX/XX/XXXX. The phone number the call took place on was from my cell ( XXXX ) XXXX which could be seen in records if research is done. 

The late fees themselves were also supposed to be removed and I've yet to see that reflected on my account summary. 

Thanks for getting this sorted out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Iam in the process of getting a mortgage, and the lender pull my credit and told me that an apartment complex I use to stay at back in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX had a derogatory account for listed on my credit and was the original creditor for the account. I know I had to use my PCS ( Permanent Change of Station ) orders to break my lease with them when I PCS 'd out of XXXX, XXXX to XXXX, XXXX. in XX/XX/XXXX which is protected by law. When XXXX XXXX military has orders to leave they have to leave, it is not an option. I called XXXX XXXX XXXX XXXX XXXX on the XX/XX/XXXX after I got off work and explained the issue to the assistant manager and she said they were under new management, and could not say who was the management back in XX/XX/XXXX, and could not provide me with any point of contact to resolve the issue. I spoke with a US XXXX attorney and he spoke with the assistant manager and again she could not provide a company name or point of contact to resolve the issue, and the manager also said she didnt see anything suggesting debt discrepancy on file for me with the courts. The mortgage company says I have to get this cleared off my credit before I close on my new home on XX/XX/XXXX, and im sure this has been affecting my credit for sometime since XX/XX/XXXX. The US XXXX attorney said the consumer financial protection bureau can have this removed from my credit because no company wants to own up to it to resolve the issue and its a wrongful debt because you can break a lease with PCS orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 
In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my XXXX XXXX XXXX card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 
I called XXXX XXXX XXXX and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to XXXX XXXX XXXX that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also for security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 
So I checked another cards that I have. My Chase VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 
I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 
Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 
Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation