vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
today is XX/XX/XXXX, I check my credit report and I saw XXXX inquries fradulent, please remove this inquaries, i never apply for for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: LA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to 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 2024-03-08 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: LA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: LA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-03-08 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: GA

Complaint narrative:
I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being.

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: WV

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I attempted to sign up for a high yield offer for my double cash credit card in the citi app. There is a technical error preventing me from accessing the reward I should have been able to receive. I contacted support and XXXX asserted that I dont have any offers.

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 2024-03-08 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: WV

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: SC

Complaint narrative:
Someone used my personal information and opened up a loan with rise credit.I don't know how to use a computer.It was opened online.This company started taking money out of my account.The bank put a stop payment on this company.I am XXXX XXXX XXXX and on a fixed income.This have ruined my credit. My credit score have went down a lot because of this company.I disputed this with XXXX  twice to get no results.I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Per the IRS, a lender ( American Express ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has American Express failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by XXXX ) incorrectly reporting a balanced owed on my credit file, XXXX ) reporting income that is taxable to me and XXXX ) violating privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Refuses to to update address to current address even after receiving ID and 2 year lease agreement

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 2024-03-08 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Last year on XXXX XX/XX/XXXX I lost my job and was unemployed. I applied with Ulta/Comenity bank to get put into a hardship program. I was told that I was eligible and they would put me into this program. However, there have been multiple issues. 

I received a phone call XXXX XX/XX/XXXX stating I had missed a payment which was incorrect. When I called back I was told by their rep XXXX XXXX XXXX that for some reason the hardship program had not been entered correctly and was supposed to be good through the end of XX/XX/XXXX and I would have find ways for payment in XX/XX/XXXX. This was supposed to have been fixed when I spoke with this rep that same day XX/XX/XXXX. 

However, I received yet another missed payment notice on XX/XX/XXXX and had to call yet again. Spoke to an extremely rude rep named XXXX who transferred me to a supervisor XXXX who stated this had not been fixed previously and she would have to have it corrected. This is the second time I was told this was fixed under complaint # XXXX Yet again, I have received more calls from their corporate office about more missed payments after I was told two or three times at this point that this was handled. I am beyond tired of being harassed and the hardship program is not helping with my balance either. The balance still continues to go up. I am never going to be able to pay this off and I feel I am owed a substantial discount due to emotional and mental stress this has caused and the numerous issues I have had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: ID

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 2024-03-08 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: Experian Information Solutions Inc.
State: ID

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 explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: ID

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: MD

Complaint narrative:
Over the past year, I have been working with my numerous student loan servicers ( XXXX, XXXX and MOHELA ) to consolidate my loans and begin utilizing PSLF. I initially requested a refund from XXXX for loans I paid off during the XXXX pandemic in full, for a refund so that they could be consolidated into my current PSLF package. This was recommended by a consultant, with expertise in student loans. I've copied and pasted the notes from my calls with MOHELA below, in which MOHELA dragged their feet on this process, didn't reprocess my student loans despite my request being valid at the time was made, and further not communicating with me for 4 months that my request was denied. 

XX/XX/XXXX Bill @ XXXX Might be able to get these refunded. Found all 3. 
direct plus grad, disbursed- XX/XX/XXXX, paid off XX/XX/XXXX, total loan $ XXXX, payment amount- unknown XXXX XXXX XXXX, XXXX XX/XX/XXXX, paid off XX/XX/XXXX, {$5500.00} original, unknown payment amount XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, paid off XX/XX/XXXX, original {$3300.00}, unknown payment amount. 
Requested refund on payments made during payment pause, as advised by XXXX, not full amount of loans Bill submitted the request with " borrower wants full amnts of payments made to XXXX before being transferred to XXXX. 
Wait until loans are reconsolidated once this is done, apply for SAVE Not sure of timeframe for refund given issues with previous servicer issue. 
If approved, loans will be reinstated. Loan refunds would be sent by check or electronically. I'll just have to check on my account. A letter would be sent to my account inbox. Then, I could reconsolidate the refund. 
Current payment {$250.00} Check every 2 weeks Bill submitted this. I could call in for this if I really wanted to. 

XX/XX/XXXX XXXX @ XXXX Sent as prior servicer refund, may take 90 days, was submitted on XXXXXXXX XXXX # XXXX, verifying that the refund was submitted XX/XX/XXXX adjustment needs to be done, not completed at this time XX/XX/XXXX XXXX checking on status of prior servicer refund IDRs set to renew XX/XX/XXXX. If I dont renew it will go from {$200.00} to {$600.00}. I need to fill this repayment form annually XXXX to transfer me to advance department XXXX XXXX previously flagged this as not allowed, a supervisor reviewed I'm being transferred to a call back from a supervisor for monday. 

XX/XX/XXXX Received call back MOHELA not to refund these loans. Was advised my request was denied in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: WI

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.

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 2024-03-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I initiated a wire transfer request from one of my accounts at the bank ( hereafter referred as BANK # 1 ) to a specific account number at another bank ( referred to as BANK # 2 ). XXXX entries were made to my account ( at BANK # 1 ), one a DEBIT for the exact amount of the requested transfer, and another entry as a DEPOSIT for the exact amount LESS {$5000.00}, WITHOUT ANY EXPLANATIONS. 

When I called BANK # 1 to find out why these entries were in my account they blamed BANK # 2 and said that they were to be blamed for the deduction. 

Why should I talk to Bank # 2 or any third party for a deduction to my funds at my savings account at BANK # 1? 

The wire transfer was not not completed and BANK # 1 MUST redeposit the full amount to my account at BANK # 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
[ First and Last name ] XXXX XXXX [ Address ] XXXX XXXX XXXX XXXX XXXX, GA XXXX [ Date ] XX/XX/2024 [ Eastern Account System ] [ XXXX XXXX XXXX XXXX, CT XXXX ] [ Amount ] {$220.00} [ Account Number ] XXXX Contacted the creditor to report that there is two accounts in my name. I never created two accounts within my name. Also tried to dispute the collection due to inaccurate information. This collection shows different information on all 3 Bureaus. Never gotten resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal place a debt on my credit report.I 'm unaware of this debt.I did not have opportunity to dispute this debt.I did not receive proper notification.If in fact you believe I received proper notification, please provide certified mail with my signature stating that I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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