vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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 am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Experian is reporting a charge-off for an account listed as " XXXX XXXX '' with the account number XXXX. This reporting is not only incorrect but also violates the consumer protections outlined in the FCRA. 
Specifically, a charge-off can not be reported on a monthly basis after the initial charge-off event. The continued reporting of this charge-off as though it is recurring creates an inaccurate and misleading depiction of my creditworthiness. This is a clear violation of the FCRAs provision requiring accurate and complete information in consumer reports. 
Under 15 U.S.C. 1681e ( b ), Experian is obligated to maintain and report accurate information. The continued reporting of this charge-off beyond the permissible bounds of accuracy constitutes non-compliance with federal law. I demand that this account and the associated charge-off entry be permanently removed from my credit report within four ( 4 ) days of your receipt of this letter.

Should you fail to act promptly, I reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate reporting. Consumers are entitled to statutory damages of up to {$1000.00} per violation, along with actual damages, court costs, and attorneys fees as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

This matter requires your immediate attention. Please confirm in writing that this account and its associated charge-off have been permanently removed from my credit report. You may send your response to the address listed above or via email at [ Your Email Address ]. 
Failure to comply with this request will leave me no choice but to escalate this matter through legal channels and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
Thank you for your prompt cooperation.

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 2025-01-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My student loans entered repayment with MOHELA in XXXX of XXXX. The government put all income driven repayment ( IDR ) on pause at that time. I was unable to apply for an IDR and Public Service Loan Forgiveness ( PSLF ) until my loans entered repayment in XXXX of XXXX. I submitted my application for both an XXXX plan and XXXX in XXXX of XXXX when my loans entered repayment. I XXXX XXXX XXXX XXXX XXXX XXXX  and would qualify for XXXX. Since the government was not and is still not processing these applications, I have not paid the monthly amount due. The IDR monthly payment would be around {$100.00} where the MOHELA monthly payment is {$810.00}. The full monthly payment will not count towards the XXXX IDR payment required for PSLF. When talking to customer service, they told me there was nothing they could do to help me and put me in a general forbearance. After speaking to a different representative, they told me that I should have been put on a processing forbearance because I am waiting for the applications to be processed by the government. I have been on 60-day forbearances since then. The monthly payment is {$0.00}, but my interest has been building since XXXX of XXXX. People who already were on IDR and have PSFL, have not been building interest or been charged since the government has been on pause. I think it would be fair if I was no longer charged interest on my loans since I am on a processing forbearance. I should not have been charged interest since XXXX of XXXX. The customer service at MOHELA is also horrible. You can only contact them via phone. Once you call, they put you on hold for 40-90 minutes. Once you pass that hold, they put you on a second hold ( I waited 2 hours ) to get you to the second group of people who can actually change things in your account. I was told that this is the only way to manage your account. I have to call every 60 days to ask for another processing forbearance taking up 3-4 hours of time. I am hoping for some resolutions to these issues. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-06 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: NY

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries that appear on my transunion credit report. I recently retrieved my credit report and it showed four unauthorized credit inquiries that I have no knowledge of ever authorizing at any given point. I believe these unauthorized hard inquiries are a result of identity theft. I have never seeked any type of credit from the companies down below nor did I ever give them the authorization to pull my credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report immediately as it is illegal to report inaccuracies to a consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>, XX/XX/year> Please have these unapproved inquiries removed from my credit report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this is resolved. Attached you will find a copy of my ID and social security card for verification along with a filed FTC report on behalf of the authorized inquiries. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-06 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: NM

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, I opened a Chase Bank checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). At the time of opening, I deposited a large refund check issued by the IRS. Shortly afterward, the accounts were restricted by Chase due to what they claimed was a mismatch between my Social Security Number ( SSN ) and their records.

To address this, I visited the Social Security Administration ( SSA ) office in XXXX XXXX, Michigan, and obtained an official document verifying my SSN and confirming that I am the beneficiary of that number. This document was signed, dated, and stamped by the SSA. I submitted this document to Chase for verification on XX/XX/XXXX. 

Despite providing this official verification, Chase 's fraud department declined to accept the SSA document, claiming it could have been forged. I informed Chase that I had applied for a replacement physical SSN card and was waiting for it to arrive, as per SSA policy, which typically takes XXXX business days. However, on XX/XX/XXXX, Chase closed both my checking and savings accounts without further notice or accommodation for the pending resolution. 

This decision has resulted in Chase withholding access to my deposited funds. When I requested the return of my IRS refund check, Chase declined and stated that they could not release the funds until my physical SSN card was provided. 

Chases actions have caused significant financial hardship, as I rely on the funds for essential expenses. Additionally, they ignored an official SSA-stamped document, disregarded my explanation of the waiting period for the replacement SSN card, and prematurely closed my accounts, leaving me with no access to the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-06 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: MO

Complaint narrative:
To whom it may concern. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more.I am requesting a copy of the XXXX form filed on this account, XXXX XXXX XXXX, XX/XX/year>. If not I request a removal of the account. reporting a charge-off or collection claiming that I owe the debt. 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.

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 2025-01-06 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: MO

Complaint narrative:
To whom it may concern. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more.I am requesting a copy of the XXXX form filed on this account, XXXX XXXX XXXX, XX/XX/year>. If not I request a removal of the account. reporting a charge-off or collection claiming that I owe the debt. 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MO

Complaint narrative:
To whom it may concern. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more.I am requesting a copy of the XXXX form filed on this account, XXXX XXXX XXXX, XX/XX/year>. If not I request a removal of the account. reporting a charge-off or collection claiming that I owe the debt. 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Even when my card is look money still come off my account some ppl keep getting my card information with out me giving it to them I done lost ove XXXX from XXXX2024 until now XX/XX/year>2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I am writing to formally dispute the XXXX account, which appears on my credit report. I believe this account was opened or used fraudulently without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX XXXX this account from being reported to the credit reporting agencies and cease any collection activities related to it. According to the FCRA, you are required to comply with this request within four ( 4 ) business days of receiving my dispute.

Please find attached the following documents to support my claim of identity theft : A copy of my government-issued ID for verification purposes.

A copy of my completed Identity Theft Report ( filed with the Federal Trade Commission ). 
Any other supporting evidence, such as proof of residence or correspondence showing that I did not authorize this account. 
I trust you will handle this matter promptly and ensure this fraudulent account is blocked and removed as per the requirements of federal law. Please confirm in writing once the action has been taken or if additional information is required.

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 2025-01-06 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: NM

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : 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 XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with explanation