vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-07-25 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: NJ

Complaint narrative:
I sent transunion, XXXX, and XXXX  a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.

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 2024-07-25 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: NM

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

Company 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 2024-07-25 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: NM

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

Company 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 2024-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on ( XX/XX/year> ) and ( XX/XX/year> ), about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-07-25 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: NY

Complaint narrative:
I am alarmed about the credit inquiries in my report which I don't recognize and could have been used for fraud, this is really concerning because I did not authorized or consented with these companies to pull up my credit report it's stressing me out and making me 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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WY

Complaint narrative:
My account at pnc bank was frozen due to an attempt to use my debit card by someone other than me. That was over 16 days ago. They set up a new account and this morning closed it. They transfered the funds from it into my old account and told me that they shut both accounts down. I have committed no fraud and I'm furious at my treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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 2024-07-25 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-25 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:
I got transition to from fed loan to mohela then to mohlea fed loan. I have been trying to get a correct payment count and correct amount due and I have not received a response. The information is conflicting on both sites. The amounts are conflicting as well. One site acts as if I havent paid at all and have 10 years of payments to go and the other makes it seem as if I have closer to 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XX/XX/year> to date capitol one has refused to acknowledge the fraudulent activity continuously on my acct shortly after their data breach in 2023 ( XXXX ) and in XXXX XXXX I had to file identity theft because all of my cards were accessed through my Capital One accounts and I couldnt get them to stop being charged and I couldnt get Capitol One to document the identity theft and going back all the way till the middle of XX/XX/year> so I have been fighting them for XXXX months now and my credit is completely damaged due to them allowing access to my accounts when I asked to change my account get fraud and get escalations involved because they kept onhaving false charges that were not mine and they were allowing same companies that we already disputed to keep charging the account even though I did authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: SC

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

Company 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 2024-07-25 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: IL

Complaint narrative:
My Mohela account says I owe no money ( my account had previously been in forbearance prior to consolidation ) and that I do not have auto debit currently on my account. However, they auto debited {$1300.00} from my XXXX account and I can not find any documentation as to why this amount was auto debited when I can not find an account statement for this amount nor is auto debit enabled on my Mohela website. Calling Mohela they just said too bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX I called XXXX at XXXX XXXX answered I asked her if she can confirm my balance, she transferred me to XXXX. XXXX works in collections she is the one that reports to the 3 credit buerues. I asked her how much I owed she XXXX continued with well your car is out for repo they are looking for it right now. XXXX stated i needed to pay $ XXXX change or they can take my car and she can't put a stop to the repo without payment of {$710.00}. and some change. 
XXXX stated " repo '' can take my car today ( meaning that day ) keep in mind it was XX/XX/XXXX, I go to bank make that payment. Come home call her ( XXXX ) to confirm Payment I ask XXXX from collections when is my next payment, she ( XXXX said XX/XX/XXXX, XXXX hmm ok so today is XX/XX/XXXX, my car is up for " repo '' No this is false Friadent statement in attempt committed by XXXX XXXX Collections Dept. Due to retaliation against prior complaint. She XXXX lied to me forcing me to make a 3 month payment to keep my balance high & making me pay all fake illegal late fee again to sabotage and destroy my credit due to retaliation. This is all a part of XXXX conspiracy. XXXX lied forcing me into more hardship made me pay a month in advance Only to make it look like to the credit reporting agency that my payments are due every 3 months making my balance higher. Than lien and 3 days late report me late for 60 days smh! and adding on later fee to continue to hurt my credit score. 
I then say to XXXX {$170.00} in XXXX she XXXX replied yes {$170.00} XX/XX/XXXX XXXX then XXXX XXXX to the XXXX credit bureaus late. For XXXX. I opened my loan XX/XX/XXXX my contract is payments from the XXXX to XXXX of every month. i have to be a month behind before she can even report me, but XXXX can do whatever she wants like she told me there is no one above her. loan opened. I told XXXX that all my payment is to go directly to car. Not to split pay just straight to my car. as I did when i had paid of a XXXX car without XXXX late payment. I wil like to submit XX/XX/XXXX, audio where you can hear XXXX lie out her teeth.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX went order new card ..card never came told me they was have problems with the vendor..I told them I wouldn't to withdraw my money out other that XXXX in savings XXXX in checking they told me to come in on Wednesday cause it take a minute to get the money together... XXXX.I didn't believe them So ..I went up there and the worker claimed that the reason the card didn't come was because it said XXXX XXXX XXXX XXXX ..I took Huntington later out my bag from this year and XXXX that had XXXX XXXX them that I received cause I knew that was going to be an excuse ..so then she ordered another card and said it was rushed and would be there in Monday XX/XX/XXXX Once again..I didn't believe her continued the correct procedure to withdrawal not the suggested showing up on Wednesday... So ..I then was told to come in Tuesday.. Tuesday came ... of course went and got my money and left the XXXX in each account as I said I was..when I came they asked if the card came on Monday... I let them know It didn't ..and proceeded to let them use the counter and timer to count out my money ... they never mentioned anything else about the debit card ..Today is Thursday not sure if the stopped the card cause I withdraw the money or not ..would like to start an arbitration on the matter ..have cost me time my health and money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a Vanilla gift card in XXXX, it did not work. I filed a claim after weeks of trying to contact the company. I received a check in the mail that I then deposited to my bank with my phone. I received a notification XX/XX/XXXX that the check was rejected. I was told by my bank to contact the issuer for a new check. When I contacted the company they said they couldnt help me and that they dont have my money because it was on the check. This is false since the refund check never went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical data systems has obtained my information illegally and has threatened my credit report my financial livelihood and has inaccurately reported a debt that isnt mine. Debt validation hasnt been submitted as well as method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a 1099-c from chase bank stating I had a freedom credit card from XXXX to XXXX. I called and reported the situation as fraud and would like it investigated. After a month they said it was my account. I then ask them to send me all information about the card ( number and billing details ) they sent me the information. I believe my debit card ( possibly XXXX XXXX XXXX XXXX at the time was compromised ) somehow my debit activities were linked to a chase freedom card. I called some of the businesses on the report, XXXX and XXXX and they have no records of that card during the time period. There are multiple companies I have to backtrack to find more information. I believe chase has not done enough to prove fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief