vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX To whom it may concern : XXXX and Transunion are still violating my rights as a consumer, and I have reached out to try to fix this issues, without success. I am a victim of identity theft, and as a result XXXX XXXX XXXX account number : XXXX was deleted, but as of last month, the account was reinserted, and I filed a dispute immediately, on the XXXX of XXXX, and today is the XXXX of XXXX, and I have not yet received anything back from transunion, or XXXX. My cfpb confirmation numbers to check the status of my disputes submitted on XX/XX/XXXX are : XXXX, and XXXX. 

According to 15 U.S. Code 1681i they have 30 days to investigate. 

The manner in which my credit file is currently being reported is not in compliance with the metro 2 laws.

15 U.S. Code 1681c2 states all information related to identity theft must be blocked, and XXXX and Transunion XXXX XXXX XXXX XXXX informed them that the account belongs to me, but I have numerous times requested proof of verification or validation, and I have not obtained any proofs yet. 

The only name and address I am associated with is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. Anything on file other than this information above is to be updated immediately. 

XXXX and Transunion are violating the following laws the way that they are currently reporting my credit, 15 U.S. Code 1681b 15 U.S. Code 1681a ( 1 ) 15 U.S. Code 1681c2 They are stopping from reaching certain financial goals, and I want my credit file properly updated, and any non permissible accounts or inquiries deleted due to identity theft. I have provided my proof of identity theft, and am uploading additional documents with this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian reported collection activity that signaled to me that my identity was stolen. I asked them to freeze my credit account and reported the fraud. My personal identification had been used fraudulently by persons to obtain insurance policies from XXXX and all the appropriate agencies have been contacted and a police report was filed. However, Experian is demanding more information while making it essentially impossible to provide them with the information. An email ( attached ) does not provide a mailing address. Their email has a link to a web form that does not function. Their website is clearly designed to thwart attempts to reach a human and their phone system -- when one finds a telephone number -- has menus that do not match the problem. I have requested to speak to a supervisor but as expected, the person is busy and has not called back. If Experian can not assist customers during the emotionally trying time when one is the victim of identity theft, they should not be allowed to operate their business in the US. Dealing with Experian is like being XXXX and then XXXX again when reporting the crime to the police, by the police. I suggest you call them and see how easy it is to get a person on the phone with a fraud situation. I am attaching a copy of the email they sent me that has no location to which responses can be mailed, emailed or faxed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XX/XX/2019, my identity was swollen, and many of my accounts were hacked and charged to XXXX. One of these Account in particular is the Apple card. As soon as I realize what was going on with my account, and I no longer had access to it, I filled out an online complaint form with identity theft, and I talked to Apple and told him that it was fraud, and then I was gon na pay it. I didnt amount to my card after it was taken over. and informed any theft.gov, see three, FTC, SSA, And all through credit bureau agencies. on the phone with Comenity bank, they said that i did not provide a police report of the fraudulent charges which she absolutely did, and they gave us the Apple ID which was affiliated with. That ID is no longer excess. The charges need to be taken off credit report because they were not made by her and while trying to get this done, the phone calls kept disconnecting, and I had to call Back explain everything all over again just get disconnected again. The account is an Apple Card. And I am unsure of the amount of charges, but I was told there's 15 pages worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I received a credit inquiry from my XXXX credit report. The inquiry was from XXXX XXXX, which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I received a credit inquiry from my Experian credit report. The inquiry was from XXXXXXXX XXXX which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received the attached court documents regarding a credit card account with CAPITAL ONE. I have never received any unpaid bill or credit collection regarding CAPITAL ONE. It is not on any of my credit reports. So confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 non-monetary relief
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated. 
I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, 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 2023-10-18 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: CA

Complaint narrative:
Hi- I submitted a form for loan forgiveness for XXXX over a month ago to Mohela in early XXXX. There's a box to check to request for forbearance while they verify if you qualify or not for forgiveness. I checked this box. 

I understand that it can take 90 days to see if you qualify for forgiveness, but my issue is the fact that they haven't NOT put my loan in forbearance in the meantime, even though it was requested. We've tried calling, but with waits times over an hour, its impossible to get a hold of anyone to ask questions. 

Others have had similar issues and said that they've reached out to the CFPB for help and that it would be a good idea for me too as well. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
On XXXX, I spoke with a representative about getting a loan with XXXX. The representative asked if he could run my credit. I advised him to only run my credit with XXXX XXXX not with the other finance companies who provided their offers. He said he will notate the information and only run my credit with XXXX. On XXXX, I received an email from another company, XXXX, sending me a notice of adverse action. This email statement shows my credit score of XXXX, which was ran through XXXX. I want to make a formal complaint because I did not give Lending Tree permission to run my credit score through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft.XXXX  XXXX opened XX/XX/XXXX amount owed {$12000.00}, XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. Incorrect addresses that doesnt belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Any address outside of this one needs to be removed from my consumer report immediately. Incorrect Employment info : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, Retired Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ID XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX OPTION 6 Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
I requested a cash advance XX/XX/XXXX  to my XXXX XXXX  account ; they said it was sent, but I never received it. I provided photos to the company of my account that prove it was not deposited to my account. I asked for tracking or something so I can speak with my bank, but they have provided nothing. They just keep saying they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: SC

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. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 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