vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
Several unauthorized hard inquiries were added to my credit report on XX/XX/2023, XX/XX/2023, and XX/XX/2023 without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Several unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was enticed to participate in an online rating scheme for games through a company called XXXX. They asked me to complete 3 rating activities daily, each consisting of 40 ratings, where I simply had to assign a 1-5 star rating to each game. In return, I was supposed to receive a commission. To start, I had to deposit a minimum of {$100.00}, and if a game got stuck, I was required to pay the full amount displayed on the screen to resume. For example, when I was rating the 30th game, my account balance showed {$550.00}, and when the game froze, I was forced to pay the {$550.00} to complete the remaining ratings for that day. 

Initially, I found this appealing and ended up depositing over {$1600.00} to continue the ratings. However, I soon realized it was a scam. Within 12 hours, I reported the issue to XXXX XXXX, but they informed me that since it was a digital transaction, they couldn't assist. I immediately contacted my bank to stop the transaction and filed a fraud complaint the same day. 

Unfortunately, my fraud claim was declined, and the disputed amount is now in temporary credit reversal. I've submitted another complaint regarding this fraud, but I have yet to receive any favorable response from the bank. 
Even asking for multiple time for fraud support but did not get the right responses. They only share me the guidelines to avoid fraud. 

Please help. This is my hard-earned money. 

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-23 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EQUIFAX credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. 

I am requesting that the CFPB ensure EQUIFAX complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX  XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!

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 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Applied for PSLF as a government official and as a veteran and it was approved as of XX/XX/year>. I have made 121 payments which qualified me for PSLF. A part of my student loan was forgiven but there is a balance of {$24000.00}. I have contacted XXXX XXXX XXXX and they have sent me a letter on XX/XX/year> stating that my loan server ( Mohela ) will forgive the balance of my loan in 30 business days, and that I did not need to take any further actions. 
I am still waiting and can not get anyone from Mohela to take my issue seriously and forgive the remaining balance of my loan. I have been making my payments because I do not want my loan to be in default or reported negatively to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is a follow up to report XXXX. XXXX XXXX I was approved for the XXXX XXXX card. It had a credit limit of {$5200.00}. I made two charges, total {$230.00}. I tried to use the card two more times at gas stations. The card was declined. XXXX XXXX I returned to XXXX to finish my XXXX XXXX XXXX XXXX  My bank made a payment for the full amount on XXXX XXXX for a payment due date of XXXX. The XXXX XXXX statement arrived with a {$30.00} late fee. My father called them and stated all of the above. They would not talk to him. The XXXX statement now had another late fee plus {$2.00} interest. My father sent a letter with a copy of the bank check plus a notation to cancel the account and the card cut in half. The next month the late fee increased to {$41.00}. They were contacted by phone XXXX more times plus by e-mail. XXXX we contacted you. The bank sent a letter to me dated XX/XX/XXXX that read they were contacted by you. The letter had a summary explaining the payment was late in XXXX so they have a right to enforce a late fee and interest! On XX/XX/XXXX I received my new statement and now have a balance of {$320.00} which is all fees and interest. I have a XXXX score over XXXX and have not one blemish on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX  - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Went to an out of net work ATM to withdraw money in the amount of XXXX on XX/XX/year> at XXXX pm money was not dispensed said there was a communication error. 
Contacted my bank PNC which they initial refunded my XXXX refunded me my money while they were investigating. 

On XX/XX/year> the money was then taken out of my account again in the amount of XXXX because they said my claim was denied. 

Contacted upper management. They once again filed another claim and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just returned home from being gone a month and am trying to bring my account ending in XXXX, to current positive balance and was trying to make a payment on the XXXX XXXX balance associated with the same account. The mobile app just kept saying unavailable try again later. So I called the number XXXX, Which was on a letter that I received saying that I needed to bring those accounts currently which I am trying to do but apparently they've closed my account which means they're probably sending me to collections. I'm trying to avoid that. I'm trying to make a payment.. Absolutely nothing but trouble and it's closed, but I do not want to be sent to collections because I'm trying to make a payment and their own people and their own app is making it more difficult.

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 2024-09-23 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I submitted payment to Community through my bank account, for payment in full ( {$660.00} ) on XX/XX/year>. Community has contacted me 4 times, XXXX of which were on the SAME day asking for payment. They have removed the late fee but are still saying they do not have my payment when I have advised them that my bank has documented payment has been made. This is the second time I have used my credit card through Community XXXX XXXX and I had issues with them posting payments the last time and filed a complaint. I do also have another account through community that is NOT for XXXX XXXX and NEVER have this issue with payment. 

Refer to previous complaint with same company and same issue... XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 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: MS

Complaint narrative:
I SENT TRANSUNION, XXXX, AND XXXX LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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