vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
BMO Harris NA reported to XXXX on XX/XX/2023, a hard inquiry on my credit report that I did not give written authorization. I have no active account with BMO Harris NA on XX/XX/2023 therefore inquiry should be removed.

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 2023-10-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: FL

Complaint narrative:
Demand Deletion I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the allege debt, nor therefore any such debt, in fact therefore exists XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) Accounts doesnt belong to me remove immediately if you cant show proof of the original contracts with my signature agreeing to accounts with the creditors also step by step explanation on how you guys were able to verify that the accounts belong to me if i never signed any contracts with the original creditors listed above XXXX removed the accounts listed above off of my credit report how the XXXX were you guys able to magically verify an account that I never open belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: OH

Complaint narrative:
On XX/XX/2023 Mohela sent me a message that my auto-pay would debited in XX/XX/2023. However, they never sent me a billing statement. Per their own conditions of the resuming of payments, billing statements were supposed to be sent at least 3 weeks before the payment is due. I contacted them and am being told that because I'm on auto-pay I won't receive a billing statement, I will only receive a notification of when my auto-debit will occur. This is nowhere in their terms and conditions and is completely unacceptable. They should not be debiting money when they refuse to send a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: LA

Complaint narrative:
I filed an Equifax dispute in early XX/XX/2023 on a collection that I found on my credit report. I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted XXXX XXXX after filing my Equifax dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the Equifax dispute dated XX/XX/2023. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a dish network account and the person on the bill is a female. I filed another Equifax dispute on XX/XX/2023 and I attached the documents again proving I am not the person they are looking for. I contacted XXXX XXXX again on XX/XX/2023. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted Equifax right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I/We, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX State, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone trying to make a {$120.00} charge

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 2023-10-11 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: NV

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-10 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: TX

Complaint narrative:
Yes I want to file a complaint on Experian Credit reporting I have filed several disputes about the information that has been reported Is indeed inaccurate, by law they have to report accurate information on all three of my reports but have failed to do so, I have attached a copy of my report highlighting the inaccurate information so someone can hold them responsible, this is affecting my quality of life as a consumer and I hope something is done to fix all of the errors on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: MS

Complaint narrative:
I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: MS

Complaint narrative:
I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed

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 2023-10-10 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: PA

Complaint narrative:
I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I am demanding an expedited reinvestigation. Thank you.

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 2023-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I had a check for a withdrawal from my XXXX XXXX retirement account. Chase was the account XXXX used. I tried to cash the check and Chase refused to honor the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
someone opened several accounts in my name using my old email, these were opened online we were unaware of these debts. The company midland credit management has started garnishment on the one account. When the accounts were opened we were in a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.

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 2023-10-10 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: MI

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or 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 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a {$1500.00} loan through XXXX XXXX and got spammed with a lot of other offers after I completed this process. I accepted a second {$1500.00} loan through NetCredit ( appears as Enova NetCrColl in my bank statement and their mailing address indicates that they are called XXXXXXXX XXXX  XXXX XXXX XXXX ) and though I have been making timely minimum payments, I have a balance of {$1200.00} with NetCredit whereas with XXXX XXXX I've been making timely minimum payments and will pay my last payment on XX/XX/XXXX of $ XXXX. 

As I look at my statement, I've been charged {$1100.00} in fees for the " statement balance fees '' which seems grossly disproportionate to the loan, so I am intending to pay it all off in the next month or XXXX, but I did want to report them here to prevent them from taking advantage of others. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Transworld Systems Inc sent me a debt collection letter, I then requested debt validation and have yet to receive anything. Until today I received letter asking for payment. I requested debt validation because my identity was stolen. I have had to complete several identity theft reports when debt shows up at my now and has been current address for the past 4 years. Now this one included. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I am writing to address the relentless debt collection efforts I have been enduring from your agency. It has come to my attention that you are incorrectly identifying me as the debtor in question. I want to be unequivocal : there is no valid debt associated with my name, and I dispute any such allegations. 

Cease and desist all forms of communication with me immediately, including phone calls, letters, or any other means of contact related to this debt. Your actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) through false and misleading identification, causing undue stress and inconvenience. 

I want to remind you that, under the FDCPA, I have the right to be free from false and misleading practices on your part. You have a strict 30-day deadline from the receipt of this letter to remove any information associated with this alleged debt. Failure to comply with this demand will leave me with no alternative but to initiate legal action against your agency. 

This letter serves as a formal notice of my intent to enforce my rights under the FDCPA. I expect you to take this matter with the utmost seriousness, and I insist on the complete cessation of all communication with me until the erroneous information is removed. 

You are hereby put on notice : failure to adhere to these demands will result in legal action to rectify the incorrect reporting and harassment I have been subjected to.

Company response to consumer: Closed with explanation