vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
Last month I requested my credit report and Experian advised to me that they could not provide it because they could not verify me and gave me a phone number to call. I called the phone number, but I could not speak to a representative at all and I couldnt get it resolved. Ive been trying for over a month to get this resolved. But every time I try to call the number that they provided to me the system that they have set up through their phone system will not let you speak to a representative. It only gives you recorded messages, no matter what you go through on their system. They will not let you speak to anyone in return. They are violating my rights to obtain a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am getting calls from this number. When I answer they hang up. I called the number back and they answered as a law firm Mitchell and DBluhm. They have called several times. I called back to tell them to stop contacting me as I am not the person they asked for when I called them back to see who/what was calling and not answering/hanging up. No information was given other than insisting that I verify who I am, which means they do not know my information and I would like to know how they received my information as the number is listed on the XXXX list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MA

Complaint narrative:
My credit report began to show hard inquiries on XX/XX/XXXX. Each of the three credit agencies showed these hard inquiries. I have not applied for anything that would cause a hard inquiry on my credit report. 

My XXXX report shows a hard inquiry on XX/XX/XXXX by XXXX XXXX. 

My Equifax report shows two hard inquiries : on XX/XX/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 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 which I also did not initiate. 

It appears that someone is trying to steal my identity. 

I have frozen all three of my credit reports with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EdFinancial Services
State: IL

Complaint narrative:
This accounts are fraudulent and do not belong to me. I did not authorize these charges or obtain any goods or services from these company 's. These accounts should be completely removed from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In XXXX of 2024 I submitted a student loan consolidation application for my PSLF. During the consolidation process the loans were transferred from XXXX to Aidvantage. My consolidation application stated my loans return to XXXX after consolidation for PSLF purposes. XXXX XXXX  has not transferred the loans. Aidvantage has requested I make payment on the loans. The loans in question meet XXXX requirement of XXXX payment. Furthermore I received a letter from the XXXX  administration stating my loans are forgiven based on my PSLF status. Since XXXX of 2024 I have reached out to Aidvantage about my loans returning to XXXX. XXXX XXXX  has not transferred the loans or provided me with a reason for refusing to transfer the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: AZ

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts contain inaccurate information. I should be compensated {$1000.00} for each wrongly reported item on my credit 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 explanation
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I logged into my free Experian account to lift the freeze on my credit to apply for a car loan. Somehow they must of had special offers checked on as a default because I didn't select physically select or enroll in any offers. But somehow they enrolled me for one week of free credit monitoring and then started charging me {$24.00} per month unknown to me.

I did not catch this until reviewing my bank statement on XX/XX/XXXX. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged {$24.00} for credit monitoring. 

I contacted Experian on XX/XX/XXXX and told them to cancel this fraudulent monthly subscription. I complained about how they fraudulently activated the premium pay account for me and requested refunds which they denied.

Both my husband and myself separately lifted our credit for a XXXX hour period in order to apply for the car loan. Both us us had the same thing happen to us where we were automatically enrolled in a premium monthly service with Experian. So this isnt just a coincidence. Experian is fraudulently leaving boxes checked as defaults for sign ups to premium services because neither my husband nor myself were aware this was happening until we caught it while reviewing monthly credit card statements. This is extremely worrisome since Experian is supposed to be protecting consumers from credit fraud when in fact they themselves are using fraudulent predatory business models in order to scam people into their premium paid services.

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 2024-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a HELOC with Citizens bank. The HELOC is in payback stage. Citizens bank only provides a lum sum payment which comprises interest charge and principal payment. I have requested the bank to provide breakdown of the payment requirements into XXXX parts : interest charged and principal payment requirement. Citizens bank refused. the following is the letter I sent to its CEO. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Citizens Bank Subject : Request for Enhanced Transparency in HELOC Account Statements XX/XX/2024 Via email Dear XXXX XXXX XXXX, I hope this letter finds you well. As a devoted customer of Citizens Bank, I am writing to express my concerns regarding the clarity and comprehensiveness of the monthly statements for my Home Equity Line of Credit ( HELOC ) account ending in XXXX, particularly during its repayment phase. 
At present, the monthly statements merely provide a single figure representing the total payment due, a format that fails to meet the expectations of discerning consumers who strive for a thorough understanding of their financial standing. 
I recently communicated this issue to XXXX XXXX XXXX, who kindly escalated it to your office. Unfortunately, my subsequent conversation with a representative, which occurred on XX/XX/2024, at approximately XXXX XXXX, left me disheartened. Despite acknowledging my request, the response conveyed an unwillingness to address the matter further. I urge you to review the recorded conversation for clarification. 
I am writing to request immediate action to rectify this situation. Customers, including myself, should be entitled to comprehensive breakdowns of our financial transactions with each billing cycle. Therefore, I insist that future statements include the following essential details : 1. The principal amount paid during the current month.

2. The remaining principal balance as of the statement date.

3. The interest accrued for the current month.

4. The required principal payment.

5. The total payment ( principal and interest ) due for the month.

The absence of these critical details presents a significant obstacle to effective financial management and impedes our ability to track expenses accurately. It is imperative for Citizens Bank to take responsibility and enhance transparency by furnishing customers with complete and unambiguous financial information.

As the CEO of Citizens Bank, I trust that you recognize the importance of addressing this issue promptly and effectively. I eagerly anticipate seeing the necessary revisions reflected in my next statement. Rest assured, I believe in the bank 's commitment to transparency, honesty, and a mutually supportive relationship with its customers in navigating their financial matters. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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 TransUnion XXXX are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC XXXX XXXX, report number XXXX, & sent it in, along with this cover letter, * XXXX XXXX XXXX XXXX*, stating that it was XXXX XXXX & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XXXX 2024 & mailed it to all XXXX bureaus, XXXX XXXX TransUnion XXXX TransUnion it came back verified I called again & spoke to XXXX and then XXXX & received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in XXXX days, I never did. 
XXXX XXXX XXXX are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining 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 2024-05-13 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:
Experian XXXX XXXX are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC Identity Theft, report number XXXX, & sent it in, along with this cover letter, * SEE ATTACHED FOR ALL*, stating that it was identity theft & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XX/XX/year> & mailed it to all XXXX bureaus, Experian XXXX XXXX XXXX XXXX it came back verified I called again & spoke to XXXX and then XXXX XXXX received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in XXXX days, I never did. 
XXXX XXXX Experian are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-13 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: SC

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
I sent a dispute letter on XX/XX/2024 challenging accounts on my credit report that are inaccurately. I informed Experian that the account information is not correct and somehow, they claimed that it was verified. I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the following items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped. The following accounts are : XXXX XXXX XXXX XXXX XXXXXXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-05-13 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bounce AI, Inc.
State: NY

Complaint narrative:
IT WAS STOLEN 1-MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BOUNCE AL INC. AND XXXX. 

2-ALL THESE ARE FRAUDULENT WITH FALSE STATEMENT 3-I NEVER SIGNED ANY DOCUMENTS, FALSE STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: VA

Complaint narrative:
I have the right to privacy consumer law codes 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information is my business. My student loans are my private information. XXXX has reported my private information without my consent. XXXXXXXX XXXX actions amount to aggravated identity theft consumer law code 15 USC 1028 ( A ). As a consumer you have the right to protect my personal non public information. 15 USC 6801 - Protection of Non-public Personal Information.

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