vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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:
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 XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-11-04 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 XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: MA

Complaint narrative:
On XX/XX/28 I wrote to Mohela why the money wasn't pulled out from my checking. They sent me the generic paper which states it can take up to three days. If I make the payment myself then Mohela will still take out the original auto payment. Which will be my entire paycheck and will bounce everything. So I waited and kept looking for the payment to be withdrawn Now today XXXX my account says no pending payment and now says past due. I did NOT and have not received any correspondence from them about what is going on. Do I pay it manually or are they going to take the money. My first message I did say I am NOT paying late fees. I just wrote to them. Like I told them, I have enough stress in my life and adding this is upsetting and ridiculous. I just need to know what is the issue with the XXXX payment and NOT send me a generic letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: NC

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 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 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. 

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
Twice in the month of XXXX, I requested a callback using the EdFinancial automated service line. I did not receive a call. The wait time was estimated as 468 hours. 

The system does not recognize my login credentials and does not recognize my account information for resetting my password. However, if I attempt to setup a new account, it confirms my account username, SSN, and DOB. 

I am unable to login or reset my password. I have attempted to resolve this by phone, email, and chat to no avail over the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XX/XX/2023 I signed up for credit protection program with Indigo and Destiny credit card. Credit limit of {$300.00}. In XX/XX/2023 I was unemployed, I applied for the credit protection plan and the company continued to state that I was not within the 30 day consecutive working period to qualify. I did file a complaint with CFPB and I received a response from the company but as of now I do no see it stated as a complaint with CFPB. 

I responded to the company stating and citing that their terms were ambigious. They are saying you have to work 30 consecutive days in order to apply or qualify for the program. I was 22 days out of work and applied they denied my credit protection understandable I applied again in XXXX and XX/XX/2023 I believe still was denied. The compnays terms does not state you have to be EXACTLY out of work 30 consecutive days not one, two, three, etc. days or but exactly 30 then apply. If you are not 30 days exactly out of work they will not honor your credit protection. Meaning if at midnight on the 31st day and you apply they will not honor their credit protection program Which i stated will cause the consumer to be late, their company can and did in my case charge very high late fees totally {$80.00} for one late fee charge and this goes against your credit and credit score and is a tumbling block of financial disaster and the only person gaining in Indigo and Destiny because now you are forced to pay these extra fees to get your credit settled. When in fact ( as I explained in my letter ) they could have accepted your claim on day 30 exactly and honor their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit repot have my information wrong it does not show XXXX or XXXX false identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Credit repot have my information wrong it does not show XXXX or XXXX false identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
There was a hard inquiry on my my credit report. JPMCB card services inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
Chase credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and XXXX reports. For some reason I'm getting a lot of trouble removing it from transunion. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.

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 2023-11-04 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: FL

Complaint narrative:
This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and equifax reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: IL

Complaint narrative:
I chose to pay off the total amount of my loan. The website said to call the companies number to pay off and to request a pay off letter. I tried calling several days for several hours at a time. I could not reach anyone and my interest was increasing every day. So I paid my loan online, according to the amount listed on the companies website and the federal loan website. As my loan was processing, interest was continuing to increase. I called and finally reached someone after 3 hour wait time. The person on the phone told me that any additional interest would be removed after my payment finished processing. After my payment went through, it still showed a balance of interest. This meant my loan was not yet paid off and I wouldn't receive a " paid in full '' letter. I tried to contact the phone number three days in a row but was on hold until the company closed for the day. I finally chose to pay off the interest so that my account could be " paid in full '' and not have any outstanding balance. The company mishandled my payment, as it showed the amount due as being under " principle '' of the Student Loan Gov website but under " interest '' on the company website. I believe I accrued interest that should not have been charged by company and I was forced to pay additional funds because of lack of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: VA

Complaint narrative:
There was a hard inquiry on my my credit report. XXXX XXXX XXXX  inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.

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 2023-11-04 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: VA

Complaint narrative:
There was a hard inquiry on my my credit report. XXXX XXXX XXXX inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.

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 2023-11-04 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: Nelnet, Inc.
State: MD

Complaint narrative:
My XXXX loans were in default and I spent years trying to set up a plan to rehab them. XX/XX/XXXX I finally entered a repayment plan. {$0.00} payments were to count towards on time payments needed for 9 months and then transferred out of default. While buying a house they showed up and I checked and found they were still in default incorrectly. Default resolution group said they didnt transfer and I enrolled in fresh start. My mains were transferred out of default to Nelnet XX/XX/XXXX. XX/XX/XXXX I emailed nelnet asking for my login, loan balances, loan status, payment amounts. XX/XX/XXXX I spent hours on hold trying to get a login and my requested info. Nelnet said they do not have an account for me whatsoever. The same day I made multiple calls, emailed Fed Aid, and they all said that nelnet has my loan and this is the only place I can get that info. I submitted a complaint to fed loan and recieved email responses from fed aid indicating that my loan servicer is dev resolution and to call them for the info but Im the phone they and debt resolution said nelnet has my info. The debt resolution XXXX site shows my loans transferred out XX/XX/XXXX, the fed aid site shows them in default still. I received a letter XXXX dated XX/XX/XXXX stating my loans are out of default and to nelnet. Ive submitted multiple complaints, called, emailed, messaged, and still no one has my information. I reached to XXXX XXXX office who as of XXXX is assisting me and filed a complaint. I have filed a complaint at whitehouse.gov. XXXX. I am going to lose my house because of this and all I need is my loan amounts, loan status, and payment amounts from Nelnet. I close on a house XXXX and have at this point spent years trying to correct my XXXX loans and now a week just trying to get my information verified and this is preventing me from closing on a house. PLEASE PLEASE PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: U.S. BANCORP
State: MO

Complaint narrative:
Unauthorized debit from my US Bank checking account of {$90.00} paid to XXXX XXXX on XX/XX/2023. I have contacted both XXXX ( XXXX ) as well as US Bank Fraud ( XXXX ) several times. Each says the other is responsible for resolving the issue. XXXX urges me to have US Bank dispute the payment and US bank refuses to submit a dispute saying since it is a XXXX  transaction they can not dispute the payment ( I am unclear as to what this is ). XXXX confirmed receipt of payment from routing number and checking account number I provided them and on said date and also confirms my name is not associated with the payment and confirms also they have no account associated with my name and so they are unable to reverse the payment. The XXXX representative with whom I spoke said the payment was made to their subsidiary XXXX XXXX, also an entity with whom I have not ever done business. The culprit is enjoying services purchased with funds from my checking account. And XXXX enjoys revenue from a fraudulent payment. US Bank is supposed to be a steward of my funds responsible for ensuring only legitimate payments are processed. Except they refuse to take responsibility so I seek assistance and advise from CFPB. Thank you.

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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an Amazon Visa credit card through JP Morgan Chase. On XXXX XXXX XXXX I purchased through Amazon, a desk chair in the amount of {$76.00} using Amazon 's promotional financing, which was six equal monthly payments with, 0 % interest. 
On XXXX XXXX XXXX I made a purchase thru Amazon in the amount of {$31.00} and on XXXX XXXX XXXX another purchase thru Amazon in the amount of {$16.00}. On XXXX XXXX XXXX due to a problem with a late delivery from the previus month, I received a criedit of {$16.00} and on XXXX XXXX XXXX another credit of {$15.00} for another delivery issue from the prior month. 
When I made my payment in XXXX, I applied the two credits against the purchases made on XXXX XXXX and XXXX XXXX and paid the difference, plus {$12.00} XXXX XXXX of the promotional balance of {$76.00}. ). When I received my statement dated XXXX XXXX XXXX there was an interest charge of {$.00}. What Chase did was apply the two credits of {$16.00} and {$15.00}, plus my 5 % redemption credits of {$1.00} against the promotional balance .This misapplication of the credits resulted in the interest charge, as the bank said I did not pay my monthly purchases in full.It also negates Amazon 's promotional financing statement of six months to pay with no interest because the bank says my promotional balace, as of XXXX XXXX, is {$17.00}. This misapplication of the credits means the bank can fraudently charge customers interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
I XXXX XXXX XXXX have Fruad account appearing on my credit report.

Company response to consumer: Closed with non-monetary relief