vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: VA

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-12-26 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: MO

Complaint narrative:
I am writing to formally dispute four inquiries reported by XXXX XXXX on my credit report. These inquiries are not associated with any open account or credit application I have authorized. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that only authorized " hard '' inquiries may appear on my credit report and affect my credit score. The inquiries in question were advertised as " soft '' pulls with no impact on my credit score. After these soft pulls, I chose not to proceed with the credit terms, yet the inquiries are now being reported by the three major credit bureaus, which appears to be a violation of the FCRA. 

The specific inquiries in question were recorded on the following dates : 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 2024-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern : I am asking for assistance and for a resolution with Chase Bank account number XXXX in the amount of approximately {$9200.00}. 
On XX/XX/XXXX, my mother XXXX XXXX XXXX passed away. Almost exactly one year later, on XX/XX/XXXX, my grandmother, XXXX XXXX XXXX passed away. My grandmother had a trust and a will ( which I am providing ). According to both the last will and testament and to the trust everything was to be split amongst her three children in equal shares, per stirpes. However, my mother passed away before my grandmother and I am an only child. Therefore, I am entitled to my mothers 1/3. The only issue is Chase Bank. I have attempted to request the remaining approximate {$9300.00} from Chase Bank several times now and provided all of the required documentation and they are refusing to cooperate. Chase Bank is stating that since my mother passed away one year prior to my grandmother than this account should have been split 50/50 between her XXXX siblings and into XXXX. However, when my mothers siblings XXXX XXXX and XXXX XXXX went into Chase Bank XXXX Chase Bank paid them each XXXX of the account balance at the time ( approximately {$27000.00} ) and withheld the remaining XXXX. Therefore voiding any policies that they have in place. So, I am therefore entitled to the remaining XXXX that was for my mother, XXXX XXXX XXXX XXXX XXXX as the beneficiary XXXX 
I ask for your immediate assistance with this urgent matter, as Chase Bank has been impossible to deal with. Everyone I speak to gives me different answers and different reasons as to why this is still ongoing and why they can not give me this money. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was reviewing my credit file from XXXX XXXX and noticed a collection was reported from Jefferson Capital Systems. I am not sure who that company is and there is no information regarding the original creditor. I need Jefferson Capital Systems to send me a letter with details about the {$1100.00} debt and the original creditor which will allow me to validate or dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

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 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered to be a breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in the demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with my Equifax credit report. My report contains several hard inquiries that I did not authorize or consent to. Despite contacting Equifax and disputing these inquiries, I have not received a final resolution, nor has Equifax provided proof of my authorization. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to verify the accuracy and permissible purpose of these inquiries. I have repeatedly requested proof that I authorized these inquiries, yet Equifax has failed to provide such documentation or remove the inquiries from my report. 

These unauthorized inquiries are negatively impacting my credit score and causing undue stress. I am requesting the CFPBs assistance in compelling Equifax to either provide proof of my authorization or delete these inquiries from my credit report. 

I have attached supporting documents, a copies of my identification and proof of address, a copy of my social security number to assist in your investigation. 

Thank you for your attention to this matter. I appreciate your prompt assistance and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: CT

Complaint narrative:
So you actually did not give me enough options. XXXX XXXX XXXX The company I am trying to call is Elan Financial Services. Its actually very hard to get in touch with them for some reason. No chat option no email, just the phone number. I tried to use the TTY/RTT call option and they just kept hanging up as soon as I start typing but they said they accept relay calls. I even tried it with an operator but they kept disconnecting the call. I dont have any one to talk for me and no way of accepting this settlement offer.

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 2024-12-26 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My student loans are in forbearance, I am currently enrolled in the PLSF program. I have tried changing my loans to a different IBR program so my payments continue my credit in the PSLF program. I also received a letter from the US Department of Education, that I qualified for discharge for federal student loans taken out for enrollment at one of my schools under the XXXX XXXX XXXX Mohela continues to report monthly to credit bureaus incorrect balance information and I am unable to contact them during business hours because no one answers or calls back and because I can not get in touch I have lost several months that could have counted towards my PSLF on my existing loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
It has come to my attention that XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

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 2024-12-26 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:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-12-26 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: CA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-12-26 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: AR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX EST received an email indicating I had opened a savings and checking account with Citizens Bank. I received additional emails indicating I had given permission to transfer XXXX from a XXXX XXXX XXXXXXXX Account to a new checking account and a second XXXX to a savings account. My main checking account is with XXXX XXXX XXXX but the number they used was off by XXXX digit. I called Citizens bank asking they close these accounts, I worked over the phone with them for over an hour and was told it would be handled I asked for report number told to hang on and was disconnected. After trying to call back was told it was being worked on and no report number available yet. Then on XX/XX/year> at XXXX XXXX  EST I received an email indicating I had changed my email address but they send it to the new and old address. This informed me that the account had not been closed so I again called Citizens Bank going went through the process again. At the end while speaking with a supervisor was advised to fill out a report here with the FTC.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
They drop my score for no reason and have a old account for XXXX That was proven not mine They still showing student loans that have been paid off

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 2024-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NJ

Complaint narrative:
I was looking at my credit report and I noticed I had a collection account from IQ Data International Inc that was open XX/XX/year>. The balance of this account is {$8200.00} I never had an account or contract with this company, I never resided at the address on file for this company, I lived at my current address ( XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ) for 18 years so this account is not mine.I sent documentation to show proof of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval. Both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2 are broken by this.

Company response to consumer: Closed with non-monetary relief