vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Why on earth would equifax allow those affected by the data breach between XX/XX/XXXX XXXX XXXX XX/XX/XXXX not allow you to file your complaint information on XX/XX/XXXX?? It only makes sense that you should able to file your info after XXXX in order to have all your correct info for those dates. I was affected by the breach and just needed to have my info through XXXXXXXX XXXX in order for it to be legit. This was just another way that they could XXXX me again. Seriously, how can you get the data for XX/XX/XXXX until XX/XX/XXXX?? Am wrong? Seriously XXXX off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear Jefferson Capital Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Jefferson Capital Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ). 


Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 


Moreover, I insist on Jefferson Capital Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing a complaint because my credit report has incorrect info that hasn't been fixed. As a victim of identity theft, I urgently demand that you address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 2024-01-24 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: FL

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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

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 2024-01-24 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: FL

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This was a fraudulent account someone accessed my social security information and applied for this account. I received a denial letter from Chase and knew immediately I did not apply for this account. I called them and told them in XX/XX/2023. I was told it would be marked as fraud. I ran my credit report XX/XX/2023 and this is still showing. I spent another 35 minutes on the phone with Chase reporting this and was told again it would be closed and marked as fraud. It still has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I purchased a refrigerator from Home Depot, and because they offered an 18 months no interest on the store credit card, I signed up to open an account. The initial credit line was for {$3000.00}. I made my calculations how much I have to pay monthly to make sure the balance for my purchase was paid off by the end on the 18 months interest free period, and that amount was just under $ XXXX ( receipts and statements can be found on company 's files and will also be attached here ). XXXX, XX/XX/XXXX when I review my bill, I saw the fine print that said that the interest free period ended in XXXX, XXXX. I immediately called Home Depot credit card XXXX and asked them about the promotion they had in summer of XXXX, and I told them that when I opened the account, I agreed to the 18 months interest free promotion, and the bill shows I only received a 6 months interest free, and now I was charged a 26.99 % interest rate. The representative offered to adjust the interest rate right away, and after she did I asked her how often does that error happen? She said that the computer system does that sometimes, but they are quick to adjust the rates when customers inquire. My concern is, that many consumers are not aware of the error occurring, and are overcharged without their consent. I feel lucky that I took the time to read my bill in detail today and I found the error early on. An other concern I have is that Home Depot was aware of their faulty computer system and did not correct the issue that causes a lot of their consumers to be overcharged. I request an investigation on 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 2024-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unfortunately, a death in my family has caused significant financial hardship, and I have been unable to keep up with my mortgage payments. However, I have been in contact with the bank, and they have agreed to remove the late dates and negative status of this account from my credit report as a goodwill gesture. Please the attachment for the details.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MD

Complaint narrative:
I have federal medical student loans that were originally through XXXX. I had submitted a consolidation and effectively, a migration of servicer from XXXX to Mohela ( did not have the option ) in order to qualify for an income-driven repayment program ( called " XXXX '' ) and still maintain qualification for XXXX XXXX XXXX. 

My request to consolidate and application for an XXXX  were submitted on XX/XX/XXXX. Per my studentaid.gov portal, my XXXX request was completed ( their date string on the website is unreadable so it's hard to tell the date of completion ) which would reduce my payment from what they are asserting I owe right now, {$1400.00} to approximately {$340.00}. 

Mohela 's website does not offer any contact information to establish a written line of communication for posterity. Thus, I called their service number and was informed my loan would enter a deferment until processing was completed. That has not happened, and I was just messaged by Mohela that my loan is now behind, and that I owe a past due balance of {$1400.00} and that my next scheduled bill is on XX/XX/XXXX. 

From some light research and communication with other medical professionals, Mohela has been responsible for similar experiences. My XXXX  application can be available upon request, though I've uploaded it to Mohela 's website as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
The date was XX/XX/24 and they try to call me from a fake number but they never give me any details or emails or letters and they try to threaten me with their tactics as this company use unethical practices and Im working with a credit counselor as well to restore my credit and pay off my debt. They are called Consumer Debt Counselors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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/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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 2024-01-24 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: IL

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. 

I told Experian, XXXX, and XXXX to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with fair credit reporting act account woods at XXXX Account # - XXXX ; Account # - XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the rights to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Notice of Equitable Interest in Trust Account and Request for Documentation Dear [ National Credit System ], all representatives/trustees, Greetings, I hope this correspondence finds you well. I am writing to address the matter of the account [ XXXX ] currently in collections under your management. I, [ XXXX XXXX ], am the beneficiary of the [ XXXX XXXX XXXX XXXX XXXX ], and I assert my equitable interest in the account in question ensuring my rights and interests are duly protected. Maxims of Equity states : Equity regards the beneficiary as the true owner. 

While I acknowledge and appoint [ National Credit System ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I kindly request the following information : Original Trust Agreement : Please provide a copy of the original trust agreement governing the account to verify the legitimacy of the debt collection. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate such as my credit report. Credit means trust based on etymology and report is property of my estate. 
Legal Title : Confirm the legal title and interest you hold in the property associated with the trust. Verification of this information is crucial for the transparent resolution of this matter. 
In addition to the above, I request the following actions to be taken : Maxims of Equity states : Equity does not punish Reporting this account to credit reporting agencies are not beneficial and instead is a punishment to the beneficiary. This is considered adverse action. I requested the following items : Consideration for the Contract : Detailed information on the consideration provided by [ Nelnet ], as consideration is a crucial element of a valid contract. 
Removal or Settlement : If [ National Credit System ] can not provide the requested documentation, I request the immediate removal of the account from collections. Alternatively, if the debt is legitimate, please provide instructions for settling the account in accordance with your fiduciary duties. 
I appreciate your role in protecting and managing the property associated with the trust. As a crusader for my equitable interests, I am now actively involved and assert my right to reclaim my property. I kindly ask for your cooperation in resolving this matter promptly and transparently. We are requiring you to rectify all damages made to the credit profile of ( XXXX XXXX ), more specifically, immediately remove the collection off account and settle the alleged obligation within 14 days. 

Thank you for your attention to this request. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self took money from my account on several occasions. Their bank is XXXX XXXX XXXX  XXXX. They took {$90.00} out of my account immediately. After that they keep making withdrawals for different amounts from my bank account. 
There was no savings like they said they just took my money and I canceled the account and they were supposed to return my money but instead they have a balance due to them on my account and put failed on all of the payments they took from my account. You can not get through to them and when you do they hang up. They have provided no service at all and they are still trying to make withdrawals from my account. Why cant they be stopped?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent a letter on XXXX XXXX, XXXX  to remove personal information that I don't want on my credit report. According to the fair credit act. 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are a clear violation of my federally protected consumer rights.

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