vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint Regarding Credit Application Denial - Request for Reconsideration and Issuance of Card Application Number : XXXX Dear PenFed Credit Union, I am writing to express my concern and dissatisfaction with the handling of my recent credit application for the XXXX XXXX XXXX XXXX XXXX. 

I was prequalified for this card through your website, which indicated that I met the necessary criteria for approval. However, when I proceeded to formally apply, I did not receive an instant approval, and a hard inquiry was placed on my XXXX credit report. This inquiry negatively impacted my credit score. 

After waiting, I received a denial letter stating, " We were either unable to obtain a credit file or the file did not reflect credit activity. '' This reasoning is confusing, considering that I was prequalified based on a soft pull of my credit report, which should have provided accurate and sufficient information. There was no active lock on my credit report, so it is unclear why my credit file was not obtained or why it allegedly did not reflect any credit activity. 

This situation raises several questions : How was I able to be prequalified if PenFed now claims that my credit file either wasnt obtained or lacked activity? 
Why did my credit report show sufficient activity for prequalification but not for the formal application? 
Why should I suffer a negative impact on my credit score due to a hard inquiry if the application was mishandled? 
Given these concerns, I request that you reconsider my application and issue the Platinum Rewards Signature Card to me. I expect this reconsideration process to be completed, and the card issued within 30 days. 

I trusted PenFeds prequalification process, which led me to apply with confidence. However, the subsequent denial and the reasons provided have caused significant frustration, particularly with the negative impact on my credit score due to the hard inquiry. 

I hope for a prompt and fair resolution to this issue. Thank you for your attention to this matter, and I look forward to your response.

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 2024-08-13 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: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: MS

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had pulled my 3 credit reports ( all 3 through XXXX ) on XX/XX/XXXX and FICO scores were XXXX on each with a very low credit use to credit limit ration ( 1 % ). 

Recently, I applied for a HELOC and one bank pulled XXXX report and correctly showed my high credit score ( XXXX as XX/XX/XXXX ). 

A second bank ( XXXX  ) pulled my Equifax report and it INCORRECTLY showed the XXXX for my credit score. 
In addition, Equifax reports INCORRECTLY that my high credit ( that was reported only once during the reporting period ) was the same high credit for EVERY SINGLE month starting on XX/XX/XXXX for all my credit cards. 
For example, for my XXXX, it shows I have a high credit {$18000.00} for every single months since XXXX XXXX. I have had that balance only once since opening the account in XXXX, and since XXXX XXXX my balances have been from {$0.00} ( 54 % of the time ) to {$1200.00} ( once ) maximum. 
The same situation is with all my other credit cards that it shows incorrectly that I have carried my lifetime highest balance as a high credit balance every single month for the past two years. 

Also, as key factors for my XXXX score, it says " amount owed on revolving accounts is too high '' and " proportion of loan balances to loan amount is too high ''. How can this be when Equifax reports in the summary section says that my Revolving total balance is {$680.00} and credit limit is {$78000.00} ( debt-to-credit 1 % )? 

XXXX has therefore not accepted my loan request amount and has instead offered a much lower loan request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX and Chase Bank is the financial institution that the company account is set up with. On XX/XX/2024 a check was deposited into the account. The check was made out to the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX It's normal procedure for a payee to sign the bank check and the XXXX XXXX to deposit the signed check into the XXXX XXXX  account. This has been done many times before without any inconvenience to the business or the payee. The check was put on a 7 day hold and once the 7 days were up the check was cleared Into the business account. I received a message from Chase Bank informing me that I needed to contact customer service support. Once contacting them I was told there was a restriction placed on the account and all funds were frozen. I can't even access funds not associated with the check! Customer support stated that a verification process was needed to release the freeze on the account and the ONLY way to do this was by phone verification. I provided the bank with the check holders phone number and I was told that the number provided wasn't an identifiable number for the check holder. Due to the sensitivity of there being a deceased person involved, this verification process should've been done prior to cashing their check which would've been easier to return and at least the family could make other arrangements for providing payment to the XXXX XXXX  instead of tying up their funds. When a person passes away an insurance company doesn't just issue a check to the beneficiary, there is an extensive verification process between the XXXX XXXX  and the insurance company ( social security number, date of birth, signature, address, full name and notarization ). I was confident that the requested information was and should be identifiable as there were no issues with the insurance company to verify with the funeral home and issue the payment to the beneficiary. Now we have a deceased person in our care and because the phone number isn't identifiable to the check holder I can't even return the check to the family to move forward with purchasing merchandise and services for the deceased. Everything is at a standstill while their deceased XXXX XXXX XXXX XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear Resurgent Capital Services, I sent your company a certified letter requesting debt verification for account XXXX, and your company provided me with a copy of the account summary. According to the FTC, an account summary and billing statement does not represent verification. I also want to point out that some of the transactions were made in XXXX XXXX, NV which is XXXX XXXX XXXX of where I live in XXXX California. You can not continue to report disputed debt if you fail to validate. The law is clear on this issue. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} per incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I'm asking your company to stop all phone and mail communication except for advising me that you will immediately delete this account from my credit reports. Here is what you need to do within 10 days or I will be talking with an attorney to make sure I have my rights under the FDCPA and the FCRA. Instructions : 1 ) Delete this account from XXXX, XXXX, XXXX within 10 days from today. 2 ) Cease all phone and mail communication 3 ) Stop all collection activity on this account as I consider this matter closed. 4 ) Send me a check for {$1000.00} for violating the FDCRA. If my requests are not met, I will escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XX/XX/XXXX, I received a statement for an overdue/delinquent account for a Home Design/Synchrony Bank revolving credit account . This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The statement I received stated I had an original balance of {$2200.00}. The statement in XXXX showed an interest charge of {$30.00}. My daughter was in town and called Synchrony on Friday, XX/XX/XXXX. She talked to two different agents who stated the account would be cancelled since it was identified as fraudulent and would be closed. 

This summer, in XXXX my daughter ( who is my Power of Attorney for financial matters ) was pulling my credit reports to see what was active. The account from Synchrony was still showing as delinquent. Since we assumed it had been cancelled, we disputed the account since it did not belong to me. The dispute came back that this was a legitimate account.

I have never applied for a card through Synchrony, whatever was purchased was against my knowledge and not for my use. This is fraudulent activity which should have been resolved back in XXXX is still ongoing.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed a police report and ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
As the CEO of XXXX XXXX XXXX XXXX XXXX, it is my responsibility to ensure the accuracy and integrity of my business credit profile. Recently, I was informed by a lending agent from XXXX that there were several fraudulent statements on my profile. This came as a shock to me, as I have been a victim of identity theft not once, but twice in the past few years under the name of my company. I am writing this as a XXXX to inform all concerned parties that these statements are inaccurate and are most likely a result of identity theft. I am disputing these claims and requesting immediate removal from my profile. I urge for thorough verification of these statements and prompt removal as soon as possible. Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. 
It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. 
I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I asked for the school misconduct discharge private loan application for my Navient loans and they refused citing this response Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 
The request was sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Account number XXXX XXXX this is a American Express card I didnt give permission to furnish this account this amount is incorrect this is not my account The name on this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2024-08-13 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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