vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.

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 2024-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened another credit card with all my information under my capital one account a platinum card without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: OH

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 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I did not authorize any credit checks to proceed with my personal information that is now a hard inquiry on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I do not recognize XXXX inquiry on XX/XX/24 and I request for these to be removed. I have already reached out to the bureau to request for them to be removed but have not been. below is going to be attached an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
I recently checked my credit report, noticed that I had on authorized inquiry on my credit port pre-remove they hurting my credit

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 2024-04-25 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: TN

Complaint narrative:
I recently checked my credit report, noticed that I had on authorized inquiry on my credit port pre-remove they hurting my credit

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I was a victim of Fraudulent Charges on my XXXX XXXX XXXX XXXX Back Credit Card and was issued a new credit card and when I called a week or so later to check on why I haven't received my new pin number in the mail, when I called the customer service number listed on back of card, ( XXXX ), I get a recording stating " You are not authorized to call this number '', so how am I suppose to speak to a rep about my account? I tried calling the number several times and I get the same response. I even called using XXXX and it said the same thing. I have a right to speak with a representative at the number provided on Billing and card, it's like my number has been restricted without good cause. I am a good paying customer, have never been late with payments, etc., and current, etc. I want to get an update on the fraudulent charge investigation, but can't cause my call won't go thru ... .All other phone calls are working on my phone wiht no problem, I believe it is XXXX XXXX XXXX XXXX BAck fault for " whatever reason ( XXXX ) ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-25 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: NY

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-25 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:
I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA : Details of the Dispute : XXXX XXXX XXXX : Reported balance of {$330.00} XXXX XXXX XXXX : Reported balance of {$5500.00} XXXX XXXX XXXX XXXX : Reported balance of {$9300.00} XXXX XXXXXXXX XXXX  : Reported balance of {$16000.00} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned accounts from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed. 


I am requesting the assistance of the Consumer Financial Protection Bureau to investigate these entries and to facilitate the correction of my credit report. I seek confirmation that these accounts will be removed promptly and any negative impacts related to them be rectified.

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 2024-04-25 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Started complaint with XXXXXXXX XXXX XXXX XXXX  ( Report # XXXX ) to dispute Credit Systems Inc. once again just sending a report to credit bureaus and I have no opportunity to see final bill or check with my insurance about what was paid and what was still owing ( I have recieved nothing ) XXXX refuses to request a bill from Credit Systems Inc. so I have ABSOLUTELY nothing to go on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I did not apply for or receive any services or equipment from XXXX in 2018 or any other date ; nor do I have a legal relationship or obligation with XXXX nor its collection agency JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have not received any correspondence, billing, or contracts from XXXX or Jefferson Capital. XXXX nor Jefferson Capital provided any documents that support a legal obligation or contract for the debt in the amount of {$3400.00}. I filed an identify theft report with my local police. This is a violation of the FCRA / privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''

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 2024-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Hello, my federal student loans are serviced by Mohela. I have been trying to make a payment on the loan for months and each time Mohela sends me a letter stating that my payment has been returned. I then call my bank ( XXXX XXXX ) and ask Mohela has asked to take the money from my account and they always say they haven't seen any charge requests from Mohela. This is frustrating because my loan is accruing interest and I now owe an additional XXXX XXXX in interest because Mohela will not take my money. Now that student loan repayments have officially started, i'm concerned that my account will also incur late fees. Mohela has not been any help. I have double checked the bank account numbers multiple times to verify they are correct. 

Thank you for your time and assistance with this. It's greatly appreciated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
Experian failed to respond within 15 days to CFPB. XXXX This claim number is proof CFPB allowed Experian to respond after the 15 day response period. This is in violation of FCRA.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone opened a checking and saving account with all my information and i didn't do it

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 2024-04-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief