vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX name : EXPERIAN XXXX address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater XXXX XXXX XXXX such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  like to request the removal of multiple unlawful hard XXXX  inquiries from XXXX XXXX report. I've obtained a copy of XXXX XXXX report from your XXXX  and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX SER XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/2023 XXXX XXXX, BEST XXXX XX/XX/2023 ALLY FINANCIAL XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX  Capital One XXXX XXXX account, is over XXXX old and hasn't been removed off of XXXX XXXX report. This account has no balance and is closed, but should have been removed by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
DEBT COLLECTION BY PLUS FOUR LLC, FAILED TO PROVIDE VALIDATION AS THE LAW REQUIRES : 1. Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

2. Show proof this debt assigned or purchased from a original creditor?

3. A complete account history, including any charges added for collection activity.

4. Proof that the Statute of Limitations has not expired on this account.

5. Proof that you are registered to transact business and/or collect in my state.

6. Proof of your authorization by law for your collection of information.

7. Evidence of whether this debt was assigned or sold to : PlusFour , Inc.

8. Does PlusFour, Inc. have a signed agreement with me personally as Nevada law requires Statue NRS.676A.040 Agreement defined for a collection agency to collect or manage my debt.

8. Please provide HIPAA a release form with my signature.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I have No Knowledge of these XXXX  inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than XXXX business days as per XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank also XXXX XXXX  is claiming they never recived my XX/XX/XXXX direct deposit from social security but social security provided me proof chime accepted my deposit social security issued replacement check with the understanding that chime will return the funds back to social security which they refuse to do so if they dont rerurn it my XXXX social security check will be withheld

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I disputed fradulent charges by XXXX on my credit account that occured in XXXX. These charges were fradulent because I did not receive the services for which the charges were for. There were two fradulent charges for the same exact reservation for {$1200.00} and {$1000.00}. 

As of today, XX/XX/XXXX my billing dispute is still not resolved after countless calls, emails back and forth, collecting of evidence, and more. 

Furthermore, I recently called Citibank this week and they told me it is too far past the date of the transaction to continue the dispute, when it has been actively been disputed since XXXX. Every request for information or evidence from Citibank, I have responded to. 

It is absolutely ridiculous for a dispute process to not be resolved after almost XXXX  months from the transaction date. As a consumer, I did everything in my power to ensure this process went as smoothly as possible. Citi Bank has totally failed me as a customer, and made me lose trust in them, as they did not appropriately protect me from fraud.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: WV

Complaint narrative:
Around XXXX of 2022, I made a request to Great Lakes for a refund of the payments made during the Federal student loan payment pause. I received a payout on XX/XX/2022 of these funds, however, my loan balance changed to a number I did not expect. I tried to reach out to the company over and over to no avail. Then the loans were transferred to Nelnet, with this new balance and no ability to view my account history. There is about a {$10000.00} discrepancy between my current balance and what I believe it should be. I was awarded around $ XXXX in students loans during grad school. I finished paying off my old XXXX loan at that time as well. My loan was awarded in 4 payments of around {$7500.00}. I know that I paid at least one back in full as soon as it was received, and then I paid $ XXXXmonth the rest of the time. Even with the refunds from the period of the payment pause where I kept making payment, my balance is still {$10000.00} more than it should be. I didn't think there was anything I could do about this after the lack of response from Great Lakes, but I've recently seen cases of the same thing happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I am on the PSLF program. I emailed w2 and had the employee fill out the paperwork, they said payments counted but yet it is not showing as being counted-it says employee not certified. I have called multiple times and emailed, and even call XXXX XXXX XXXX to find out because Mohela kept saying it was their issue not Mohela which is their response to anything. I have faxed over the paperwork several times and they keep returning anything saying its not acceptable or they cant read it. Anything to not make my employment count. None of my payments under the new laws are being counted either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: WA

Complaint narrative:
Company : IQ DATA INTERNATIONAL is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX 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 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.

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