vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Inquiries, Addresses, Employment History, and Names on Credit Report To Whom It XXXX Concern, I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which XXXX have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

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 2024-11-18 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  BXXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I noticed that {$1600.00} was withdrawn from my account at Bank of America which I had no knowledge of. I contacted the bank and they told me it was wire transferred, which I did not do. They then sent me a " SCAM Victim Acknowledgement '' form to fill out. The form also gave me a XXXX client number of XXXX. I submitted the form on XX/XX/XXXX by email as the form instructed. I than followed up on XX/XX/XXXX to find out the status of my claim. I was told it was still being looked into. I then contacted the bank again on XX/XX/XXXX to get another status update. I was then told ( by XXXX at the call center ) on that call that the funds were not able to be recovered and I could get a lawyer if I wanted to go further. 
Previously to me submitting this complaint to you I originally filed a complaint with the FDIC on XX/XX/XXXX. They replied back that my complaint and said it should be filed with XXXX and they would forward it on to you. I wanted to file a complaint with you directly so it was on record. I attached copy of complaint and correspondence with FDIC. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing the reporting of this account on my credit report because it contains inaccurate information. Specifically, the balance and charge-off details are incorrect. This account was resolved, and I have documentation to support this resolution. I request that you investigate this error thoroughly and remove the inaccurate information. Please inform me of the steps being taken to address this dispute and ensure the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: DE

Complaint narrative:
Upon checking my credit report today, I saw unauthorized inquiries that I can not explain. These irregularities appeared unexpectedly, and even after refreshing my browser, they didnt go away. I am asking for a prompt and detailed review of the documents I sent to ensure this never happens again.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have applied for credit in the past and been declined because my Experian credit report is frozen. I have downloaded their app and unfrozen my report only to be told that my credit report is still frozen!? I am trying to apply for credit again and told my report is still frozen, even though I unfrozen it on the app. I have tried calling Experian several times, however their computerized phone system, no matter what I say, tells me it is not authorized to allow me to speak with a representative??!! Experian offers no chat function or other way to communicate with them. How can a company this vital to our financial system be allowed to offer NO customer service!!? Experian 's lack of customer support is costing me the ability to apply for credit!!!! This has already cost me hours of my time! Completely Unacceptable!

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I called on XX/XX/XXXX and talked to a rep at Kohls customer service for capital one. Explained the situation, in detail. Expressed my concern about the error made by them. I was told the account balance was XXXX and that my credit available was {$1000.00}. I expressed again that there was a report made to my credit dropping my score XXXX points. I let them know that this was disturbing to me and that I would like to see if they could resolve the situation again I was only told the same information about the balance. I did not owe anything. I asked the rep to look back into my account information for XXXX. They did this it showed I did not pay on the date the payment was due, but that I did pay that month, inside of the month of XXXX. I was informed that I had a late fee added to the amount that I paid. That was also paid. There was no reason there should be any kind of reporting to my credit. That is what they told me. I asked again if they could help me by telling me how to resolve this. They told me I had to take it up with the credit bureau. This is all that was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: DE

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. While reviewing my report, I found discrepancies that hadnt been there before. I even refreshed my browser multiple times, thinking it might be a technical glitch, but the inquiries remained. I urgently need the documents Ive provided to be reviewed carefully so I can finally feel at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : Experian ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # 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 2024-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
We have a loan with Navient that originated on XX/XX/XXXX. It has been transferred to a new company called : XXXX. 
We understand that a class action suit has been filed against Navient for mishandling payments and interest calculations, but I don't believe we received any settlement notice. I do believe we have been overcharged and the loan has been fraudulently mishandled. We applied for forbearance once and reduced payments for one year that were supposed to revert to the original payment amount but never did. We just learned that a class action suit was filed against Navient for mishandling payments and interest calculations. We are still paying for this loan, which was originally supposed to be paid off in 10 years. 
Loan Type PRIVATE School XXXX  XXXX UNIVERSITY Current Owner XXXX  PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$16000.00} Loan # can be provided upon request. 
We have paid out : {$29000.00} Total Payments ( {$19000.00} ) total interest charged {$9600.00} total applied to original disbursement {$6400.00} Balance on loan as of XX/XX/XXXX I understand that we should have some kind of ID number and Pin number from you in order to file for relief and hopefully to end this payment. This was for my son, XXXX XXXX, but the loan is in my name. I am XXXX years old with limited income. 
Can you help me get this resolved? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have disputed this account twice and each time it comes back as verified and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the branch on XXXX and XXXX XXXX on XX/XX/year> to open a XXXX account. They opened the account but refused to give me a receipt with the maturity date, interest rate, and account number. I asked to have my money back because if anything happens to me, my family wouldnt even know that the bank has my money. They said they cant do that. I called XXXX and they said to call back on Monday to close the account, and today is Monday and they told me to wait another 5 days. They come up with new rules in their favor. Be aware when opening accounts with XXXX. You wont get any documents or your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal is refusing to close this business account and transfer the remaining balance to my personal account. I owned a company, XXXX XXXX XXXX XXXX. I opened a PayPal account for the company to receive and accept payments for services in XXXX. I had to dissolve the company on XX/XX/XXXX. I have been trying for the last four months to get PayPal to close this business account and allow me to transfer the remaining balance back to my personal account, but PayPal has placed a permanent restriction on the account. I have contacted them at least 10 different times by phone, email, and their internal messaging center, providing the proof of dissolution. 

In addition to this issue, PayPal decided to change the account to a personal account in XXXX, without my knowledge, and then sent me personally to collections for a charge they had reversed. I received the collections notice, called the collections company and disputed the personal collection. I submitted a stack of documentation to the collections company, who then sent that documentation to PayPal. In the beginning of XXXX my PayPal account was changed back to XXXX XXXX XXXX XXXX, and there was a positive balance because PayPal had reversed the charges they originally ruled out of my favor. I simply need the account closed as soon as possible and the remaining balance transferred to my personal account. PayPal is claiming that they are holding onto it for 120 days, they have already had these funds for more than 4 months. No one will help me with this and I need all accounts affiliated with this closed company closed. All credit cards, bank accounts, loan accounts have been closed, PayPal refuses to close this account and allow me the withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This is the same debt collection attempt which happened previously back in XXXX of this year ( 2024 ). Not sure if it is the same company but it is exactly the same amount they are trying again to collect. This was resolved and closed sometime in XXXX under the premise this is not owed and it is false under the premise them not being able to provide proof or evidence of the fact. 

Why is this keep happening? I need this closed indefinitely. Much inconvenience is caused by parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report, and I can not figure out how they got there. I routinely check my report, and this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a glitch, but nothing changed. These unauthorized entries remain, and I demand immediate attention to the documents Ive submitted so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In a letter dated XX/XX/year>XXXX  from Wells Fargo, where I do not have a banking relationship, they received an online application to open a new deposit account using my personal information. Based on the information received, they were unable to successfully verify my identity and decline to open the account. They told me to contact the credit bureaus, which I have, and file a report with the FTC/CFPB. 

Between XX/XX/year> and XX/XX/year>, an inquiry was made by XXXXXXXX XXXX XXXX XXXXXXXX was added to my credit report. This was a hard inquiry from an institution where I have no banking or revolving credit relationship. This hard inquiry was reported on both my XXXX and XXXX credit file. 

I monitor my credit and was notified that I had two hard inquiries appear on my file and I noticed the coinciding credit score drop. I would like investigation, removal of hard inquiry notices on my accounts and restitution to my credit scores. 

I have not engaged directly with either Wells Fargo or XXXXXXXX XXXX XXXX XXXXXXXX, as I am not a current client with no form or recourse to my knowledge.

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 2024-11-18 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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