vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: NY

Complaint narrative:
Equifax, Repeatedly and continuous reviewing of my credit report, I cant explain why this erroneous reporting inaccurate inquiry which are not mines and I didnt authorize is listed on my credit report. Please remove and delete from my credit report. 


XXXX. Inquiry : XXXX XXXX DATE : XX/XX/year> : DELETE UNAUTHORIZE INQUIRY Reviewing of my credit report, I do not go by the name as XXXX XXXX listed under Also Known as listed on my credit report. Please remove and delete from my credit report, and my correct government name is enclosed below. 


XXXX. Also Known As : XXXX XXXX Inaccurate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime refuses to acknowledge a fraudulent transaction on my account. Their investigative team disregards any and all evidence by providing an invalid link to support any uploading documents from going through. Its a scam. Supervisors wont help nor does names of these supervisors or even the ticket number for the call. My fraudulent charge is a felony. I made a XXXX claim and an FBI report on said fraud. Even after cancelling my card, someone continued to try and make hundreds of dollars in purchases that were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I applied for a car loan. I was denied based on information submitted by Experian. This happened on 2 occasions. Both time they reported my score as XXXX. When I log into my experian account it shows my score is XXXX. XXXX points different. Both times this inaccurate score has kept me from getting a loan through the dealership.

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 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Due to the pandemic my financial situation has been in shambles. I'm struggling and XXXX. I haven't been able to get my finances and life back on track ever since the pandemic.

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 2024-06-02 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: DreamSpring
State: MO

Complaint narrative:
On XX/XX/year> I advised this company that this is not my debt. The socical security number on the debt is incorrect and is not my social security number ending in XXXX. This is my second time disputing this debt. The first time was earlier this year around XXXX.I am demanding this debt be deleted from my XXXX credit report immediately. This debt is not reporting to XXXX, or XXXX because they are unable to because this is my debt. I have confirmed with this company that they always report all loans to all 3 credit reporting agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: PA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your company 's investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61, provide the names and business addresses of each individual with whom you verified the account with. Please send me an updated copy of my consumer report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : XXXX XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX I HAVE SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!

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 2024-06-02 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: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from MOHELA stating my student loans had retroactively been put in administrative forbearance for the months of XXXX, XXXX, and XXXX of XXXX. During those same months, I had made the monthly payments as part of my scheduled auto-pay. 

In the email from XX/XX/XXXX, it stated I could request a refund, with no time limit included. After receiving that email, I went to the website to try and figure out how I could request a refund with no success. On XX/XX/XXXX I tried calling MOHELA regarding a request, however due to the long wait times I was unable to speak with anyone. 

On XX/XX/XXXX, I received an email from MOHELA stating my loans were transitioning to a new platform. On XX/XX/XXXX I received an email stating the transition was complete and I could create an account on the new platform. After creating my account and logging in, there was a notification at the top stating " If you were recently notified that your student loan account was placed into an administrative forbearance for one or more of the months between XXXX through XX/XX/XXXX, and you would like to have any payment ( s ) you made during these months refunded to you, you have 90 calendar days from the date shown on your notification to contact us to request a refund. '' This notification included a newly imposed 90 day window to request a refund. The 90 day window also started on a date that has already passed before I received the notification. This suggests that I would not be permitted to request a refund for money I believe I am entitled to. 

I would greatly appreciate if the CFPB could demand clarification from MOHELA on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year> I applied for 3 credit cards through XXXX XXXX. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2024 I applied for 3 credit cards through XXXX XXXX I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Attended XXXX XXXX XXXX XXXX XXXX XXXX as a ( XXXX ) XXXX XXXX XXXX, having been paid, as a XXXX for the months starting XX/XX/XXXX to XX/XX/XXXX of XXXX XXXXXXXX XXXX semester. I finished the fall XXXX semester at XXXX XXXX XXXX XXXX. Intrigued with starting a new semester I have submitted a XXXXXXXX XXXX XXXXXXXX - XXXX with hopes of receiving XXXX XXXX package for the XXXX XXXXXXXX semester.

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 2024-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
due date for card is on XXXX of every month. In XXXX i paid on the XXXX and it posted on the XXXX and they gave me a late fee. today i paid on the XXXX and it posted for the XXXX. I requested a removal of the late fee in XXXX and they refused, this account is closed. I have another account with them because they refused to put the 2 accounts together. So when I call it wont let me pay on the old account so it always appears late. i only owe XXXX on this account that is closed and it is all late fees. This is gouging their low income customers when their interest rate is already 30 % please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Respectfully I would like Chase to reconsider your decision to open another secure checking account. Yes you do have the right to close an account for no reason at all, but at your discretion you can reverse the decision. I have been a loyal chase customer for over 7 years. I highly recommend Chase to friends and family giving Chase new customers because of the grace and caring customer service I received in the past. I brought a lot of business to your company. I have trusted this bank with every financial avenue I had from payroll, income tax, financial aid checks. I did right by my account. You offer customers options to protect their money by disputes and fraud alerts. All I did was utilize the protection you are supposed to provide and I have not been protected by the very institution that I trusted. I am not a risk. My account actions are everyday banking use. Unfortunately things happen and I was victim and was punished for reporting and doing what I thought was the right thing. I am asking for grace, a fresh start. I know that chase cares about their customers. I was not cared for in my situation. I would like to make it right. If you review my account history I am just like every other customer. It is in your power to reverse the decision and can do so if you decide. The action taking against me and the experience I have had trying to resolve this has truly been traumatizing because I depend on my bank. Please reconsider and lets work together on financial literacy. If I mistakes were made it is because I did not know. But I have learned and will do better in the future. Everyone deserves another chance. Put yourself in my shoes Im sure you would want grace when you make a mistake and learn from it especially if you did not know what you did was wrong. As human being we deserve forgiveness and to show each other forgiveness. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: PA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your company 's investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61, provide the names and business addresses of each individual with whom you verified the account with. Please send me an updated copy of my consumer report after your re-investigation.

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 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, trans union and XXXX  has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.

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 2024-06-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, XXXX XXXX and experian has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.

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 2024-06-02 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: SC

Complaint narrative:
There is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Remove all these hard inquires as I did not authorize them 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 explanation
Consumer complaint received 2024-06-02 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: LJ Ross Associates
State: MI

Complaint narrative:
This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



Best Regards,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received several letters and invoices from portfolio recovery stating that I owe {$3200.00} and that they illegally brought debt from XXXX  XXXX. I sent XXXX XXXX and portfolio recovery numerous letters letting them know that the debt does not belong to me. XXXX  XXXX sent me a letter stating that " they sold my debt to portfolio recovery and that i should communicate with them '' even after i told XXXX  XXXX " why would they sell debt to portfolio without my knowledge and without investigating if the debt belongs to me or not?. This is wrong and several violations. This debt does not belong to me. I let portfolio and XXXX  XXXX know that i never opened up an account in 2016 with XXXX XXXX. and that this is a mistake in identity theft but portfolio recovery keeps sending me letters in the mail with payment history stating this is me and i have told them it is not. I also told them that i am aware that XXXX  XXXX had a major data breach in 2016 that affected millions of Americans and that this could be a result of that and portfolio recovery keeps harassing me about the same thing over and over again. I also let Portfolio Recovery know that I am aware and that I have done my research on them and that " they have been sued many times from people all over due to lack of proof and for harassing people without finding out if the debt really belongs to the person. Portfolio recovery has been sending me countless things in the mail even though i have sent them numerous letters stating this debt doesnt belong to me. This is harassment,

Company response to consumer: Closed with explanation