vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section XXXX ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a XXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : 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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

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 2024-04-17 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:
In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have listed XXXX inaccurate names XXXX ) XXXX XXXX ( Last name Completely Misspelled ) XXXX ) XXXX XXXX Incorrect last name! 

The only accurate name is XXXX XXXX! Refer to my driver license which is displaying the proper name which is 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 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
On XXXX At XXXX I received a call back from MOHELA XXXX The supervisor hung up on me at XXXX when my call was disconnected. 
During the call, I indicated that I have XXXX outstanding issues with my loan servicing that I would like to get resolved. I initially brought up my loan balance including principal and interest of {$170000.00} reflected on XX/XX/year>, which does not currently reflect the balance in my MOHELA account including principal and interest. Representative indicated they would put me on a brief XXXX hold to research this issue. It appears that the representative that assisted me did not spend any time looking at my notes or case before calling me. After the first brief hold, the supervisor needed to put me on a hold again. 
I expect to get a call back because I was disconnected. The time is XXXX on XXXX. 
The representative that spoke with me on XXXX exhibited similar behavior to a representative who I spoke with last week, XXXX who indicated I needed to wait on hold to speak with an " Advance Team '' However, after an estimated wait time of XXXX minutes that lasted over XXXX hours, I received a call back from XXXX who indicated that I needed to be " transferred to another department who could help me. '' XXXX indicated that they had not heard of an advanced team and assured me that they were no different than XXXX and " just a normal call center representative. '' This presumption was affirmed by XXXX # XXXX who assured me that they too had never heard of an advanced team or an advanced representative and that this wasn't even a thing. This appears like a deliberate and malicious attempt to avoid addressing my issues with loan servicing and not responding to my inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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 noticed unauthorized and fraudulent inquiries on my credit report. 
I did not give consent to these inquiries. I did not sign any legal documents. 
According to the FCRA ( 15 U.S.C 1681 B ), LEGALLY these items must be REMOVED from my credit report immediately ; NOT disputed. If no action is taken place within XXXX calendar days, I will be forced to contact my Litigation Attorney and have her reach out directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I've submitted multiple disputes regarding information on my credit report by the company that are unauthorized, inaccurate, incorrect, and false. This is my FINAL request for your company to delete the disputed information and to correct my credit profile. I've attached copies of my recent credit reports and highlighted the inaccurate information to support my claims. I've found that the company has violated MANY of my rights according to the Fair Credit Reporting Act.The company has neglected to ensure the maximum accuracy of my credit report, failed to properly investigate the disputed information, continuously reporting inaccurate information, not complying with the regulations of the FCRA by providing me all relevant documents to support the decision of the investigation, and providing me a accurate credit report. I am holding the company responsible for their negligence

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
As agreed with Bank America once I pay off my account the account will be deleted with bank America america.I have paid off my account with a XXXX balance.

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 2024-04-17 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: FL

Complaint narrative:
Subject : Assistance Needed with Identity Verification and Credit File Access Dear Consumer Financial Protection Agency, I hope this letter finds you well. I am writing to bring to your attention a pressing issue regarding my access to my credit files with XXXX and Equifax. Despite multiple attempts to verify my identity as requested by both companies, I find myself continuously locked out of my credit files, which is causing significant inconvenience and distress. 

Since XX/XX/2023, I have diligently submitted the required documents including a letter stating my full name, social security number, date of birth, along with supporting documents such as my utility bills, driver 's license, and social security cardon XXXX separate occasions to each company via both their online upload portals and traditional mail services. 

Regrettably, despite my efforts, I have been informed by representatives that they are unable to locate the documents submitted. This lack of acknowledgement or confirmation from the companies is deeply concerning, especially considering the sensitive nature of the information being provided. 

Moreover, the automated phone systems implemented by these companies exacerbate the issue. When attempting to reach a human representative, the system fails to verify my identity, leading to disconnection before I can speak with a live agent. This automated process leaves me in a frustrating loop, unable to resolve my issue or seek assistance. 

Being locked out of my Equifax credit file due to unverified information further compounds the problem, hindering my ability to manage my financial affairs effectively and potentially causing harm to my creditworthiness. 

Therefore, I kindly request your intervention in this matter. I urgently need assistance in resolving the identity verification issue with XXXX and Equifax and gaining access to my credit files. Additionally, I seek guidance on how to navigate the automated phone systems to reach a human representative who can provide the necessary support. 

Your prompt attention to this matter would be greatly appreciated. I am hopeful that with your assistance, I can swiftly resolve these challenges and regain access to my credit information. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I've identified unfamiliar items on my credit report, indicating potential identity theft as I did not authorize these accounts. Previously addressed, I urgently request the removal of these accounts to alleviate the stress they cause. Their presence distorts my true credit history and financial responsibility, complicating matters significantly. Should resolution not be promptly achieved, I am prepared to pursue legal action to safeguard my rights and seek a remedy. These erroneous entries obstruct crucial financial objectives such as homeownership and supporting my family. A swift resolution to this issue is paramount.

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 2024-04-17 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: IL

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

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-04-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX and Transunion

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 2024-04-17 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:
Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX and 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This company seems to be a fraud scam. They offered me loan amount details and paperwork and are very pushy. The address came up as a parking garage and the website and phone number don't pull up on a XXXX search you have to manually type the url in to load. XXXX  had no record of the company and now they have all my personal, financial and credit information. Please 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I may have had my identity stolen so Im currently going through the process of freezing my credit with each credit bureau. Ive frozen twitch two of the three companies with no problem but have tried repeatedly to create and account with Equifax to freeze my credit but repeatedly hit a wall between the create account and verify steps saying We are temporarily unable to connect to our services. Please try again later. I realized this was due to my password not meeting the requirements but rather than telling me that, it just doesnt work and I have to start all over again, not knowing my password was the problem the whole time. 
I looked this up to see if it was just a me issue but this looks to be a frequent recurring issue on their website, I found one complaint going back 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by Equifax Information Services LLC and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief