vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized inquiry made to my credit report on XX/XX/XXXX by XXXX XXXX. I would like to assert that I did not initiate this inquiry, nor did I authorize anyone else to make any application on my behalf. 

I contacted XXXX XXXX on XX/XX/XXXX and they have determined that the inquiry was not authorized and has agreed to delete it. The inquiry has been deleted from the other two credit bureaus weeks ago, however, TransUnion has failed to remove the inquiry, leaving me with no means to dispute or resolve this matter directly. 

Given the gravity of this situation and the potential damage to my creditworthiness, I am turning to the Consumer Financial Protection Bureau to seek immediate assistance. I ask that you take swift action to investigate this unauthorized inquiry and ensure its immediate removal from my credit report. I understand that the Consumer Financial Protection Bureau has the authority to address and rectify such violations under the Fair Credit Reporting Act ( FCRA ). 

I expect that you will exercise your power to protect consumers like myself and hold the responsible party accountable. I demand a thorough investigation into this matter and immediate action to delete the unauthorized inquiry from my credit report. Additionally, I request that you provide me with regular updates on the progress of this investigation. I trust that you will handle this complaint with the urgency and seriousness it deserves. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Received an email from a debt collector on XXXX despite my letter listing the due date as XXXX and payments have been paid to Account, hospital billed payments to two seperate providers as if I had two different XXXX XXXX XXXX XXXX XXXX XXXX on the same day, XXXX. 
Turned it over to collections after I questioned the possible fradualent charges in XXXX of XXXX. Now I am completely locked out of my billing on my chart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Some one hacked in to my Experian on line account with his/her recovery email and telephone number. I am not able to recover my www.experian.com on line account. 

I need to recover my www.experian.com on line account with my own email address : XXXX and cell phone number - XXXX. I need Experian to update this information from their web site. 

I want to manage my Experian account by myself. I called Experian with this phone number - XXXX many times since XXXX. I tried to log in to my Experian account, however, my Experian account was hacked in and recovery email was sent to the email that hacker created. I have not been able to recover my Experian account yet. I mailed letter to Experian this XXXX with letter and my copy of drive license and utility bill ( this is the address I mailed to Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX I asked Experian to recover my on line log in account, However, no any reply from Experian at all. 

Experian is putting my credit on high risk by not responding consumer 's request to recover account. I want Experian to response for any Finanancial loss due to not able to recover my on line log in account. 

I submitted this compliant to request Consumer Financial protection Bureau to help to contact Experian to help me solving these issues.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I filed for bankruptcy. I was also told that some loans would not be covered in the bankruptcy, but reading this particular article where you have settleed a lawsuit against navient in XXXX. And since I filed in XXXX. Does that qualify me to have my loan dismissed? They were subsidized. 
I was just wondering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I write to you today regarding Barclays XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with Barclays AAdvantage Mastercard ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/, I paid the balance in full and closed the account. Months later, Barclays finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact Barclays Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX continues to furnish a account that is not mine and I have had this deleted from XXXX and XXXX due to the fraud. If sent any numerous of letters showing stating the fraud.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account due to a scam I had no part of, someone that I did not know sent me a XXXX, I later got a call saying I had to send that money back which I did. It seems that the actual owner of the account that sent me money reported me saying that I scammed then when I in fact had nothing to do with it. As a result of this Bank of America closed my account even when I made a report about this, this happened last year

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing.

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.

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