vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: 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 XXXX 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 anxious 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
XXXX Discover credit cards XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I'm a person with a XXXX ( I have WA XXXX XXXX ID ) and can not climb more than a small flight of stairs ' I booked a hotel in XXXX XXXX for XXXX for {$460.00} was charged to my Discover credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX their XXXX it showed only XXXX fight of stairs when I arrived the XXXX hotel had XXXX XXXX of stairs up to the hotel rooms ( video included here ). I disputed though Discover and hotel claimed they showed pictures of stairs in ad ( but they only showed XXXX flight ) and they would not refund. My adult son walked up/down the stairs speaking to hotel staff but they refused to refund and offered a lesser basement room which still had multiple stairs. I immediately got on phone with Discover to no avail. I submitted to Discover and they claimed to try and dispute but gave me little info and the Discover website would not let me attach videos after multiple attempts to attach and numerous phone calls to Discover. i'm asking to be reimbursed the XXXX and neither hotel, or Discover will do the right thing and reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Called to have debt not owed removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
-This consumer reporting agency engaged in abusive, deceptive, and unfair practices of the FCRA which it prohibits. They reported this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FCRA I'm entitled to XXXX dollars per violation and clearly they violated my rights and still are violating my rights as of XX/XX/year>. Per consumer law it is a violation against me and my rights to report an ongoing dispute that is being investigated. Experian is still reporting this alleged account as a late payment ( screenshot attached as evidence )

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 2024-07-02 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: AK

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. XXXX was clear and easy to follow. XXXX requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was Experian which has a hyperlink advertising " minor children and incapacitated adults '' ( https : //www.experian.com/freeze/center.html ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( https : //www.experian.com/help/minor-request.html ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?

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 2024-07-02 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: AL

Complaint narrative:
Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to gain credit, its my understanding that the credit bureau will investigate this information on my behalf. Here are the accounts Im asking you to verify as accurate. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX from Navient after my school, The XXXX XXXX, was found by the XXXX XXXX and the XXXX XXXX XXXX to have misrepresented and discharged all students of their federal student loans. I also was part of the XXXX vs XXXX XXXX. However, Navient recently responded to my application by stating that I 'did not meet their requirements. ' I believe that I do meet the requirements and would like further explanation for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
The debt collector ( CASHNET USA ) called me & informed me that I owed their company money, I stated to the company I never borrowed any money from them let alone, ever heard of the company!!! I will like this removed from my credit as a collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 have been a victim of identity theft. My information was used fraudulently and as a result I am seeing accounts on my report that I never was associated with. I filed an ftc report as I was instructed to by Transunion. I have sent in this report but this fraudulent item still remains.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: SC

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 TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidadvantage did not process my income driven repayment plan ; it has been 11 months since I applied. They then charged me interest when it was an administrative issue on their end. I was told during this whole process by two different employees of theirs that I would not be charged interest. My account interest has increased by {$4000.00} since I have been waiting for approval of my repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: 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 XXXX 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 anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau regarding the failure of Equifax Information Services LLC to block fraudulent accounts from my credit report, despite repeated attempts and providing all necessary documentation. 

My name is XXXX XXXX XXXX, and my Social Security number is XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I have been a victim of identity theft, which I reported to the XXXX Police Department under report number XXXX, with XXXX XXXX XXXX XXXX This incident involves suspected identity theft, possibly related to my ex-girlfriend, XXXX XXXX, and XXXX XXXX XXXX XXXX Data breach in 2023. 

The following accounts, which I believe to be fraudulent, require immediate blocking from my credit report : XXXX XXXX  ( XXXX accounts ) XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX  I have made numerous attempts to resolve this matter with Equifax by submitting : A complete copy of the identity theft report filed with local law enforcement. 
A copy of my government-issued identification card. 
A recent utility bill displaying my name, current mailing address, and date of issue. 
Despite my efforts and clear documentation, Equifax has falsely marked my block requests as disputes and erroneously labeled them as " verified. '' This practice is entirely false and misleading. Furthermore, there have been instances where the data furnishers themselves have repeatedly submitted requests for removal to Equifax, affirming that these accounts are fraudulent. Yet, Equifax continues to refuse to block them, which is a direct violation of FCRA Section 605B and FCRA Section 611. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to promptly block fraudulent information from my credit report upon receiving proper documentation of identity theft. Equifax 's failure to comply with these provisions is unacceptable and has caused significant distress and financial harm. 

In addition to filing this complaint, I have informed Equifax of my intent to pursue legal action should this matter not be promptly resolved. I request the CFPB 's intervention to ensure Equifax fulfills its obligations under the FCRA and to seek appropriate remedies for the harm caused by Equifax 's negligence. 

Enclosed are copies of the documentation previously provided to Equifax, including evidence of fraudulent activity and communications from data furnishers affirming the fraudulent nature of these accounts. 

I appreciate your attention to this matter and urge the CFPB to conduct a thorough investigation into Equifax 's practices regarding this issue. I look forward to your prompt intervention and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: OH

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 DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information

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 2024-07-02 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: OH

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 DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar is reporting they had to charge off my balance of {$2400.00} but I paid the balance in full as agreed.

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