vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After speaking with EQUIFAX regarding an extended credit lock verification placed on my credit profile which prevented XXXX XXXX  from processing a card conversion and costing me {$95.00} dollars in annual fees, I was informed that for them to remove such lock/alert on my profile I would need to submit documentation for them to review and process. 

I was given their XXXX, Georgia XXXX XXXX XXXX and was told it would take 5-7 business days after receiving a copy of my driver 's licence and social security card for them to complete my verification. Such letter and documentation was sent to them on XX/XX/XXXX through the USPS. On XX/XX/XXXX I tried to get my credit card issue sorted out with XXXXXXXX XXXX, and I was told that they could still not access my credit profile. I was then transferred to speak with an agent at Equifax. 

I asked if they had received my documentation, and after a few brief moments I was told that they did not get anything and that I would need to send it again. On this same date, I re-printed my previous documents and the letter was picked up by USPS on XX/XX/XXXX. It's since been 9 full business days and I called EQUIFAX again regarding my documentation, only to be told once more by their agent and then a supervisor that they did not receive anything and I would need to send everything again for a 3rd time.

I pleaded with them for alternative methods of processes such as a secure fax or online portal where I could upload my documents, and EQUIFAX seems to be stuck in the XXXX, and I truly question their business practices that seem to be run by the most incompetent people in this modern age. Everytime I sent my personal information and social security copies through the mail, I am being exposed to even more changes of becoming a victim of identity theft, something EQUIFAX clearly does not care about, given all their data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: PA

Complaint narrative:
I.m dispute these unnecessary inquiries on my credit report that I don't recognize ... .and false

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 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed this on my XXXX XXXX credit report didnt recognize or authorize anyone to use my information for an account or for information for this company. Call the company to request information, but keep getting the voicemail

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 2023-11-10 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: GA

Complaint narrative:
Unauthorized Inquiries, I have discovered unauthorized inquiries on my credit report please delete right away.

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 2023-11-09 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-11-09 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt Recovery Solutions runs my credit twice a year since XXXX without any legal right under Truth and Lending. Debt Recovery Solutions is a debt collection agency with no debt to collect from that I am aware of, at least not for the last 9 years, evidenced by CRAs reports. Debt Recovery Solutions is branding my credit reports as being of interest to collection agency. They have no right to run my credit for any reason. Being a victim of Financial ID theft for many of the years that this company has helped themselves to my reports, they present a clear and imminent danger to security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
I recently received a copy of my Experian Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received an email at XXXX XXXX  EST today ( XX/XX/2023 ) from TSI asking that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$52.00}. I have not contacted the debt collection agency. My last name matches with the last of the actual person. TSI created an account using my email address without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Someone has stolen my identify. I received an account statement to my address for a computer and accessories purchased in the amount of {$2800.00} on XX/XX/2023. The lender is Citibank and the retailer for the credit card is Best Buy. I did call Citibank and I they are opening up an investigation into the credit card that was opened in my name, without my consent and had a large purchase made. They have closed the account and put a future alert on their system to make sure I will be notified if anyone else tries to open up another credit card in my name. The direct phone to speak with Consumer Protection inside Citibank is XXXX. 

I then contacted all XXXX credit reporting bureaus and I have active disputes that they are looking into about these credit card and its purchase. I also alerted them to a hard inquiry with XXXX XXXX  as the lender and the retailer being XXXX XXXX XXXX XXXX. Someone did a hard inquiring but was denied the application being opened. The hard inquiry was completed on XX/XX/XXXX and the denial was put in place on XX/XX/XXXX. When speaking with a person at the Fraud Prevention Department with XXXX XXXX, they stated that everything on the application matched my exact information on the application. I was sent an application and needed to fill it out, but I never did complete the application, so it was denied because I did not complete the applicaiton. I do not remember ever contacting XXXX XXXX XXXX XXXX about trying to get a credit card or applying for a credit card. 

I am waiting on Citibank to do their investigation. XXXX also stated I will receive a letter confirming that my account was declined and that I will be alerted if anyone tries to inquire about opening up credit under my name with XXXX XXXX XXXX XXXX again. XXXX will send a letter within XXXX  days giving the result of the charge and credit card that is being disputed with Citibank. XXXX will conduct an investigation into the disputed charge. They also put a fraud alert on my account and froze my credit accounts. XXXX is also submitting a dispute for fraud and will send an email confirmation of the dispute with Citibank credit card as well. XXXX was the credit bureau that suggested I contact the ftc.gov, which led me to the CFPB, which is why I am completing a complaint here. 

I have not completed a police report, but plan to do that tomorrow.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
My loans were transferred to Mohela for Public Service Loan Forgiveness in XXXX. Upon review of my payment history, Mohela determined that I had reached my XXXX qualifying payments in XXXX of XXXX and my loans were forgiven. My bank records indicate that I paid 15 additional payments after XX/XX/XXXX, totaling {$2200.00}. These funds should be refunded back to me. I have been requesting this refund from Mohela since XXXX of XXXX receive a different explanation each time that I call. I have made formal requests for review through their phone service on more than XXXX occasions. On XX/XX/XXXX, I waited on customer service for over two hours, as I do each week since XX/XX/XXXX. I was told that each of my request for refund and formal review have been cancelled without explanation. I was then hung up on by the agent during the transfer, which has happened on at least five other occasions after being put on hold for hours. I'm requesting that my overpayments are addressed and returned to me without continued delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-10 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: LA

Complaint narrative:
I XXXX XXXX have new and updated information about an unknown, inaccurate account that is being reported by Experian. I filed a complaint with CFPB stating that I have no knowledge of this unknown, inaccurate account and that it be deleted immediately off my credit report. Experian is continuing to ignore and violate my consumer rights by responding to my dispute as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). The FCRA 611. [ 15 U.S.C. 1681i ] Procedure in case of disputed accuracy states that the consumer reporting agency shall conduct a reasonable investigation to determine whether the disputed information is inaccurate. I did not receive a fair investigation as the law states. Experian is illegally updating old remarks with present remarks which is hurting my credit every month and causing my family and I to experience financial hardships, XXXX and denied credit. Please hold these companies accountable and delete 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 2023-11-09 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: TN

Complaint narrative:
In XXXX of XXXX, I contacted Mohela to change my student loan due date. There was no option to do so online so I was told I had to call in. 

After calling in I requested a due date of the XXXX or XXXX of the month, much earlier than my current date of thr XXXX of the month. I was told it was in process. 

It has been over 2 months now and my due date has not changed. I called in XXXX and was told to suspend my auto pay which resulted in me being charged a higher interest fee. They said this would help expedite the request. My due date still did not change. 

I've called back repeatedly and am just told " it's still in process ''. This change has taken almost 3 months and has borne a financial cost on me directly attributable to Mohela and their delays and informing me to suspend my auto pay. 

I would like Mohela see this matter resolved expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have filed multiple complaints with customer service, including one through CFPB, but received the same response each time. It seems to be my word against Synchrony Home Company. I missed a promotional period for 0 % interest because I never received any E-statements via email, despite their insistence that they were sent. Even though I'm enrolled to receive electronic statements, I haven't received a single one, and I can't view them on the web portal. I provided print screenshots as evidence, but they disregarded it. I also didn't receive a statement in the mail because, as expected, I'm enrolled for e-statements. After missing the promotional deadline, I requested copies by mail, and they sent them. However, my claim was denied, stating they investigated and found statements were sent to my email. I checked all folders, but nothing. Three months later, the issue persistsI can't see my statements on the portal, and I'm not receiving them. Recently, customer service acknowledged the problem, admitting they didn't send the e-statement or sent it late. It appears the company deliberately avoids sending statements, leading to additional payments due to their mistakes. I caution others to stay away from this company, as it seems they may intentionally withhold statements to prevent customers from tracking payments, resulting in higher interest and fees.

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 2023-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX

Company response to consumer: Closed with explanation