vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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 am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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:
I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name XXXX XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children.

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.

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 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
A fake bank that does not say what type of account sent a random charge of {$560.00} was processed and sending a random link to see if it wasn't me to make changes to my supposed account. The number came from a random text message with an unknown phone number. The phone number was replaced with the supposed bank that I never made an account to. It leads to an address of XXXX which is not a phone number and probably not a real bank. I received the message on Sunday XX/XX/2023 at XXXX mountain time. I also have the message they sent to me and I'll post this below ( Alerts ) A deduction of {$560.00} was made from your account? Not you, click XXXX to cancel. 

No way am I clicking that link they sent. I was going to file the report to FTC but they brought me here. And they left no traces of a phone number. I'm going to screen shot the message and block the number from whatever number it came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type - XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX type XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Resident XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX, PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular ( XXXX ) XXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible. 

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made. 

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history. 

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type - XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX type XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Resident XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX, PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular ( XXXX ) XXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible. 

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made. 

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history. 

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Its been effecting my credit for 7 years now i had my identity stolen and capital one and XXXX XXXX XXXX  kepts showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: KY

Complaint narrative:
Its been effecting my credit for 7 years now i had my identity stolen and XXXX XXXX and XXXX XXXX XXXX kepts showing on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Inaccuracies on my report such as inquiries The only inquires that I should have is XXXX XX/XX/2023 anything else is wrong and I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: MS

Complaint narrative:
I was asked to officially report this account to the government first for it to be removed. I have now completed this and will attach the completed form due to the identity theft. 

XXXX XXXXXXXX XXXX sold to XXXX XXXX XXXX XX/XX/2019

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 2023-10-01 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 am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : 1. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX  XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXXXXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of racial equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.

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 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: TX

Complaint narrative:
Each time I attempt to log into my account with EdFinancial, all I get is the following error : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have attempted to call EdFinancial, but the lines are busy and the current hold time is 800+ minutes, which is ridiculous. I opt in for a call back from customer service, but I never receive call backs. 

I have also attempted to email EdFinancial, to no avail, as I have never received an email back from them on how to fix the issue.

Their online chat with a representative is also disabled and unusable. 

There is literally no way for me to get in contact with them to get this issue fixed, as all avenues are broken or too bogged down to ever receive a proper response. 

I have loans with this service, as my Student Aid account also confirms. I am unable to log into my account which prevents me from paying these loans. All the while, I am sure any interest or penalties or fines will be accruing until the situation is rectified, in which case, I will refuse to pay said accruing penalties as this is not a problem on my end ( I do want to make my payments, but can't ), but most definitely on EdFinancial 's end and I have received no help from them so far.

I have also submitted a complaint to the Student Aid website as well as this situation is completely unacceptable and seems to be widespread if the hold time and online discourse is seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: LA

Complaint narrative:
On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( Trans Union, XXXX and XXXX ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.

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 2023-10-01 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX, has 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

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Account has been closed for 13 years and school closed down its still reappearing on my credit and impacting my credit score. They keep sending it to different collections and its supposed to be removed of my account

Company response to consumer: Closed with explanation