vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
There are four incorrect fraudulent and unathorized hard inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with XXXX  so there would not have been a need for me to apply for more, plus my credit score was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed disputes with each credit agency ( XXXX, Experian and XXXX ) regarding the student loan balance with XXXX 
My XXXX loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian lowered my credit report by XXXX points in XXXX and is unable to explain why this happened. The other XXXX agencies raised my score by XXXX points because I paid off a {$10000.00} credit card. I have NO late payments, NO new debt, there is absolutely NO reason for this and they will not, can not explain why they did it. They advised I get outside help so I am contacting this agency and a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am the Victim of Identity Theft since 2015 been sending Supporting Documents to XXXX Transunion and XXXX for the last 6 years Identification Updated Bills Social Security Card Lease and still items remain that have been fraudulently from a hacker unknown keep disputing nothing is being done my name email and social have been compromised repeatedly sending in proof of who I am

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023, I began receiving emails that Bank of America had opened up online accounts in my name. I called immediately to report fraud. They froze the account but never shut it down. On XX/XX/2023, I had to contact them again since the accounts were only frozen and still not closed. I have had contacted again with them in XXXX, I was told all was handled and it was escalated. I received notice that on XX/XX/2023 now they are asking for me to provide them with verification of my identity to work the case. It has been 8 months and they have done nothing to take care of closing this fraud case. They have not provided me with any information from where it was opened, who opened it, how they identified the identity in order to open. I have had to file reports for fraud and BOA has done nothing to compensate my time or hassle while they have left this open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My XXXX XXXX XXXX mother has XXXX. My sister and I are co-POAs. Chase bank is refusing to accept our Durable Power of Attorney. My sister and I need access to mom 's account to pay bills on mom 's behalf and to monitor the balance to ensure payments go through. 
On XX/XX/2023, I presented a lawfully executed Durable Power of Attorney to Chase Bank. They said they would have to have their lawyers review it and would be in touch with me within 4 days. XXXX week later, I receive a call from a representative stating that the POA has been refused. Chase claimed that the POA requires my sister and I to act in unison and they have " no way to monitor dual signatures ''. I informed the representative that I would contact an attorney, which I did. 
On XX/XX/2023, my attorney sent a letter to Chase referencing XXXX XXXX  XXXX. The letter included a copy of recorded POA, signed affidavits from both my sister and me, and a copy of XXXX  XXXX XXXX. No reply from Chase was received by my lawyer, my sister, or me. 
On XX/XX/2023, I went to Chase to inquire about my lawyer 's letter. I had to schedule an appointment with my mother 's " personal banker '' for the following day. On XX/XX/XXXX, I met with mom 's " personal banker ''. She stated she knew nothing of the letter but offered to file a complaint ( internal to Chase ). I asked her why she didn't offer to file a complaint when the POA was first denied but received no reply. I gave her copies of my lawyer 's letter and the POA to include with the complaint. 
On XX/XX/XXXX, I received a call from Chase saying that the complaint had been received and was being looked into. I pointed out to the Chase representative the second sentence of section 1.01 of the POA which states : " The affidavit of any one of my Attorneys-in-Fact shall be conclusive evidence insofar as third parties are concerned that any act of such Attorney-in-Fact has been authorized by the unanimous consent of all of my Attorneys-in-Fact and in such event any person acting in reliance upon such affidavit shall incur no liability to my estate because of such reliance. '' On XX/XX/2023, I received another call from Chase saying they had reviewed the complaint and are still denying the POA because it requires " my sister and I to act in XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
During XXXX I was out of work due to XXXX XXXX. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My progressive also turn me over to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
See XXXX for background. 

I ended up waiting 45 minutes to speak with the supervisor ( after 3 hours to get a single human ). They informed me that the interest would be lowered by .25 % the following business day and I need not worry. I told them the previous agent said it would take 30 days. They insisted that agent was wrong. I told her I was very nervous that she would be wrong after I spent nearly 4 hours on the phone to get to this point. She reassured me and I hung up. 

It has been 3 days and the rate has not dropped by the .25 %. 

Customer support supervisor deceives lenders to get them off the phone and back in the 4 hour queue to speak with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I sent correspondence to PORTFOLIO RECOVERY ASSOCIATES '' PRA '', stating PRA violated REGULATION F, which started XX/XX/XXXX. Other Violations : -FDCPA XXXX by parking an alleged debt on my consumer reports. 
-15 USC 1981b2, I have NOT given PRA written permmission to report to my consumer report.

-18 USC 1028A, PRA engaged in AGGRAVATED IDENTITY THEFT PRA as of XX/XX/XXXX has NOT responded to any of the above violations and continue to report acct # XXXX to my consumer report. PRA is in violation of 12 CFR 1006.34C and 15 USC 1681. The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires PRA respond within 30 days of receipt of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: LTD Financial Services, L.P.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX Transunion.com and XXXXXXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX  and Equifax.com my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I received a letter from Phoenix Financial Services claiming I have a debt from XXXX, with a date of service of XX/XX/13. I requested information from them and they failed to provide me with the requested information. In XXXX  I did not ride in or require an ambulance. I am protected by HIPAA, and had I used the services of XXXX, HIPAA would protect me from my information being shared with 3rd parties. This debt is not mine, I have asked for proof which Phoenix Financial Services failed to provide. 

I will upload a document showing the first letter received by Phoenix Financial Services, my response letter, and their response letter where they failed to provide me with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio calls me almost every day. Ive told them I have no money, no income, and to stop calling. They dont listen. They have called at XXXX and after XXXX which Ive requested they not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
On XX/XX/XXXX after noticing that my payment amount doubled without notice I contacted MOHELA via their online messaging system. I asked them why my payment had jumped ; what income information were they using ; and had they accounted for my spouse 's loans and income. They did not reply until yesterday XX/XX/XXXX. Their reply is a canned response and makes no substantive answer to my question. It falsely states that I provided an IDR  application and that information was used in their determination. I do not recall, and can find no proof of, any such application. 

In addition, when I called their customer service line I was told by an agent that the only way to lower my payment was to submit a new IDR. I completed this application with him over the phone. I now believe that his claims were false. That I was not, in fact, required to submit a new IDR to return to the lower payments and that my SAVE plan payments should be calculated based on my last certified income. The IDR application which I was misled into making my increase my payments over what I should be required to pay.

MOHELA also has repeatedly sent documents to me via their messaging system weeks after the date on the document. For example, I received a letter confirming the new {$310.00} payment amount on XX/XX/XXXX, but the letter was dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: LA

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XXXX I requested a credit line increase for my Marcus Goldman Sachs account and I was denied as they said that I missed a recent payment. This is false as I have not missed a payment on my statements, XXXX XXXX, and XXXX Account. I am complaining as this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX 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 non-monetary relief