vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
I was affected by the Equifax data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit report effectively XXXX attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: TX

Complaint narrative:
National business factors took over my medical bill originally from XXXX XXXX XXXX XXXX. I was not being charged interest by XXXX XXXX XXXX XXXX, but now that national business factors has the medical account, and they are charging interest with out my knowledge until a statement 9 months after they took possession of my account. It is to this day the only statement I have ever received and it shows no payments or credits that have been made on this account. So it was false anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Credit Karma, LLC
State: GA

Complaint narrative:
XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Karma XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
Capital One XXXX. 
Capital One XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
It's a Citicard credit card. I paid the entire balance off and closed the account. The closed account had {$16.00} in residual interest posted to it without my knowledge. I had paperless billing and the account showed closed on my Citi app and my auto -pay was XXXX. The closed account posted about {$50.00} in fees and late charges. I paid the residual interest but when I contacted Citibank about removing the fees and interest I was told " This is how credit cards work, nothing we can do. ''

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 monetary relief
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX LA # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-22 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: MD

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : 1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 2.XXXX XXXX Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX took out three credit cards in my name with out my knowledge even signed my signature. 
XXXX. Amex for XXXX. I found after card was 90 days late paid the XXXX balance and closed it. paid and closed XX/XX/23 XXXX. XXXX XXXX for XXXX I found out about this file after it was in collection. 
XXXX XXXX for XXXX paid and closded after 30 day late on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am now 4 months into paying my student loan debt to Nelnet and they still do not have a payment schedule available. I have tried calling and escalating this request to no avail. I am unable to efficiently do my financial planning if I do not know my month to month charges. They refuse to provide any correspondence or receipt of my request and they have given me conflicting information on my request when I call. Also the last call took an XXXXr and XXXX XXXX minutes for them to pick up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
Equifax has seriously damaged my credit score, credit and drop me XXXX points and have XXXX Soft inquires on my credit report that I did not Authorized Equifax to do. I have monthly. daily soft pulls and Automated consumer interview system on my report Equifax has XXXX Automated consumer interview system pulls in XXXX. 
Equifax has XXXX Automated consumer interview system pulls in XXXX. 
XXXX XXXX XXXX HAS XXXX soft pulls in XXXX I have not given XXXX of these companies Authorization to do this and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX, XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite METRO 2 Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX XXXX XXXX XXXX a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have a collection for XXXX XXXX XXXX  which is affecting my credit score. I have attempted to dispute this collection in the past as it is inaccurate and was closed in good standing. 

Both XXXX and the Debt collection company have failed to correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute 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 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I just learned that One Main Financial has been misleading and deceiving me with my loan for years now. when I applied for the loan originally, I was not told about the add-ons and not being able to completely pay the loan off. For the first loan you think you paid it off but in reality, you didn't completely pay it off and then one main added more charges to the loan so you're paying more on the second loan. so how the process works is you have to put up your vehicle title, and say you borrow XXXX dollars, but you don't actually get the full XXXX that you wanted to borrow, they keep half but you still have to pay the full amount back. I read an article that one main was misleading others too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Transunion has failed to adhere to 15 U.S.C. Sec. 1681i ( a ), by failing to complete an investigation within 30 days of receipt of a dispute letter. On XX/XX/XXXX and XX/XX/XXXX, I sent dispute letters to Transunion informing them that were reporting incorrect payment history for the account XXXX. My account with XXXX was deferred due to XXXX and I was protected under the CARES ACT. It has been over 10 months since my fist letter, and Transunion has failed to remove the late payments reporting XXXX and XXXX of XXXX. Please note that you are reporting that I was 120 days late in XXXX and XXXX which is not possible. Furthermore, the account is now past 7 years meaning that it should no longer be reporting on my credit report. XXXX and XXXX have since removed this account. I urge Transunion to address this matter promptly and rectify the inaccuracies on my credit report within 7 days since this is long overdue. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Transunion will take immediate action to rectify this situation and prevent the need for further legal action. Please see the attached dispute letter sent 10 months ago which is dated and time stamped. Remove the late payment and update the aforementioned account to paid as agreed never late. XXXX is in violation of 15 U.S.C. Sec. 1681i ( a ), 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). I can sue up to {$1000.00} per violation.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-01-22 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX did a inquiry on my credit on XX/XX/22 and on XX/XX/22 without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  did a inquiry on my credit on XX/XX/22 and on XX/XX/22 without my knowledge or approval.

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC
State: GA

Complaint narrative:
Orion Capital Solutions has been using some type of source to find extended family members of mine stating they need to confirm my location. I have reached out to them and provided my address, email and phone number. I also asked them to cease the harassing calls to those people as well as myself as they already have the information they need. I filed a fraud claim on that credit card, and XX/XX/2023, I requested documents to validate the debt and they have yet to provide that. I feel like Im being taken advantage of and being ignored. I demand that this account be deleted immediately from my report, and that the harassing phone calls stop, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have been trying to fix this issue not only with the credit card company but with XXXX also even though XXXX has said they returned my money they haven't and the bank navy federal credit union keeps saying I don't have enough evidence which isn't true I have an email that states the funds were to be returned navy federal credit union and XXXX are not doing their jobs this is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation