vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: CT

Complaint narrative:
I am writing to you as the surety and beneficiary in an implied trust relationship with you as Trustee and as the surety with invoked equitable rights on behalf of XXXX XXXX XXXX XXXX hereinafter referred to as the " consumer ''. It has come to our attention that there have been unauthorized inquiries on the consumer 's credit report, which not only infringes upon their rights but also poses a significant injury in equity. 

The unauthorized inquiries have directly interfered with the consumer 's ability to conduct commerce, thereby causing undue harm with denials and opportunity loss. Such actions can be construed as a violation under the XXXX XXXX and XXXX XXXX ( XXXX ) XXXX, given the organized and systematic nature of these unauthorized inquiries resulting in continued interference with commerce. Furthermore, these actions can be deemed as unfair and deceptive trade practices, which are in direct contravention of consumer protection laws. 

Moreover, it is our understanding that certain user agreements may have been formulated without proper legal oversight, leading to the unauthorized practice of law by a corporation. Such actions not only undermine the sanctity of the legal profession but also jeopardize the rights and interests of unsuspecting consumers. 

As Beneficiary, we urge Experian as fidcuairy to take immediate action to rectify this situation. We request a thorough investigation into these unauthorized inquiries and the removal of any such entries from the consumer 's credit report. Additionally, we seek assurance that measures will be put in place to prevent such unauthorized actions in the future. 

Failure to address these concerns in a timely and appropriate manner may compel us to take further legal action to protect the rights and interests of the consumer. We hope it does not come to that, and we can resolve this matter amicably. 

Inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian We appreciate your prompt attention to this serious matter and expect a response within 15 days.

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 2023-09-26 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
Trying to move an accurate account on my credit report but Equifax is giving me a hard time so I have to file a complaint to have the an accurate accounts be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the evening of XXXX XXXX XXXX, I saw that I had received two emails from Chase Bank on XXXX XXXX XXXX about a credit card that had been opened in my name. I also received a number of alerts from various companies that monitor my credit and banking transactions about a hard inquiry to my credit for the credit card. I did not open a apply nor opened a new credit card. Since discovering the fraudulent activity ( i.e. opening a credit card w/o my knowledge or consent ), I contacted my credit monitoring agency ( XXXX XXXX XXXX ), Chase Bank , and my local law enforcement ( XXXX XXXX Police Dept . - Non-Emergency ). Luckly, nothing was charged to the credit card. I have placed a freeze on my credit with all 3-credit bureaus, had the credit card cancelled and marked as fraudulent, and my Chase Bank password changed. I did see a phone number on my Chase account, under " Profile & Settings '', that I did not recognize ; XXXX. That phone number has since been deleted from my Chase account. I can provide screenshots that I took before I made changes to my account and/or the emails I received from Chase Bank regarding the issuance of the credit card, if you wish. I am more than willing to discuss this further over the phone too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023 approximately XXXX Eastern Time . I deposited an amount of {$1100.00} in Cash at the ATM of Citizens Bank Branch ( XXXX XXXX XXXX XXXX, Pa XXXX ) I always deposit cash in this ATM & this was the first time i had received a receipt stating we encountered a problem returning your cash. Please contact your financial institution I contacted them immediately. Even talk to the manager of that exact branch after they closed because she was still in the building. She stated that she already counted the money from the ATM and wouldnt do a re count until the next week. You can file a claim to receive your money. 

I filed a claim and told customer service for the claims department. That i have a receipt that states there was an error with the ATM. My claim was denied not once but twice without them contacting the exact branch there error occurred and also without them providing a way to send them proof of my receipt. 

I called customer service multiple times and they have yet to reach me after the required business days. Im late on my bills/rent due to them taking money back from me and i just want what Im owed and more core there inconvenience. 

I called the exact branch this transaction error happened at and she stated the claims department never called us and they never do to investigate claims. So my question for the department how can you determine no error was made without contacting or troubleshooting the atm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I was originally on XXXX plan based on my last income certification of XXXX dollars off my XXXX taxes that i certified in XX/XX/XXXX. I am not required to recertify my income at this time. Also my family size is XXXX and has always been XXXX. Me and my dependent son who is XXXX. My REPAYE payment was XXXX. 

The XXXX plan is switched to SAVE. My payment should have dropped to XXXX dollars per month under the SAVE calculation. On XXXX MOHELA refigured my payment to XXXX per month under the new SAVE plan. This amount is incorrect. I talked to them on the phone XXXX and submited complaint emails. The payment they calculated was based on XXXX income and no dependents. 

The problem is they have me having no dependents. They lady on the phone confirmed this and told me it would be fixed and show on my account within three days. This was 8 days ago. With payments resuming soon they need to get my payment amount corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: DC

Complaint narrative:
After filing an identity theft report with the ftc and disputing an account with transunion for transunion to block this erroneous information. I reached out to the Cfpb via complaint ID XXXX asking Cfpb for help with blocking an account federal law 15 U.S Code 1681c-2 stated applies to my situation. Transunion not only disregarded my letter the company also disregarded my complaint through the Cfpb. I filed another complaint with the cfpb in hopes this complaint was more clear and concise complaint ID XXXX and Transunion removed the incorrect XXXX XXXX  on XX/XX/. On XX/XX/XXXX  transunion reinserted XXXX account on my report not only violating the block i requested but also 15 U.S. Code 1681i ( 2 ) Procedure in case of disputed accuracy. ( 2 ) Prompt notice of dispute to furnisher of information. I did not receive written notification within the five days the law allows for this re-inserted account on my credit 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 2023-09-26 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: NY

Complaint narrative:
someone opened up a line of credit and a checking account at XXXX XXXX in my name. It also showed up on my credit report. I called XXXX XXXX  and they were able to I called Experian to have the fraud alert put on account and to have the inquiry 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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
according to regulation cc i can draw on my account and i did and they decided to close my account Regulation CC 2 Subpart A General Definitions The term bank refers to all banks, mutual savings banks, savings banks and savings associations that are insured by the FDIC, and federally-insured credit unions. Bank also refers to non-federally insured banks, credit unions and thrifts, as well as agencies and branches of foreign banks and XXXX XXXX XXXX XXXX  ( XXXX ) members. For purposes of subparts C and D, bank also includes any person engaged in the business of banking, Federal Reserve Banks, XXXX, and state/local governments to the extent that the government unit pays checks. For purposes of subpart D only, bank also refers to the U.S. Treasury and the United States Postal Service ( USPS ) to the extent that they act as payors. 
The term paying bank refers to any bank at which or through which a check is payable and to which it is sent for payment or collection. For purposes of subpart D, paying bank also includes the U.S. 
Treasury and USPS. The term paying bank also includes the Federal Reserve Banks, XXXX, state/local governments, and, if a check is not payable by a bank, the bank through which a check is payable. 
A reconverting bank is the bank that creates a substitute check or is the first bank to transfer or present a substitute check to another party. 
The term check includes both original checks and substitute checks.1 An original check is the first paper check issued with respect to a particular payment transaction. 
A substitute check is a paper reproduction of an original check that : Contains an image of the front and back of the original check ; Bears a MICR line containing all of the information encoded on the original checks MICR line, except as provided in the industry standard for substitute checks ; 2 Conforms in dimension, paper stock, and otherwise with industry standards for substitute checks ; and Is suitable for automated processing in the same manner as the original check. 
A substitute check for which a bank has provided the warranties described in XXXX is the legal equivalent of an original check if the substitute check accurately represents all of the information on the front and back of the original check and bears the legend This is a legal copy of your check. You can use it the same way you would use the original check. 
A copy of an original check is any paper reproduction of an original check, including a paper printout of an electronic image, a photocopy, or a substitute check. A sufficient copy is a copy of an original CFR 1002.2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: EdFinancial Services
State: MD

Complaint narrative:
I overpaid my student loan by XXXX and I called edfinancial to to make sure the overpayment will apply to the other loans and it has not applied, and now Im worried that Im going to be charged interest on something that I already paid for. The rep said that she would put an application to get the overpayment dispersed to the other loans but it is still showing the balance on the loans and over payment to the other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: GA

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.

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I reached out to Mr Cooper Mortgage to have my XXXX Credit report updated because I'm receiving denials because of their non-reporting. It has resulted in me having a false low credit report. My payments haven't been reported since XX/XX/2022.

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 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX  my wife and I who called in to see what this was regarding. We haven't had XXXX  in since 2011. They were trying to collect a debt out of statue of limitations. The first person whose voice mail we got sounded like he XXXX in the mic. We thought this was a scam. We called back and XXXX  the company. A real company. Finally we got a live person. They said they were looking for me. XXXX XXXX. Said they can speak to my wife. The individual went over the account details with my wife with out giving the XXXX  XXXX. Didn't say who he was with. Just went over the details and my personal info. Speaking to the supervisor he said that we were correct and he would speak to him. He also didn't give the XXXX XXXX  either. They tried to trick me into starting a payment arrangement with them that would start the credit reporting and potential courts by trying to get me to pay. ( My wife is a debt collector. And certified in the fdcpa. She was upset because he abused the rights I have. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: PNC Bank N.A.
State: FL

Complaint narrative:
I am writing to request PNC BANK to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by 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
Consumer complaint received 2023-09-26 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: 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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief