vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian advertised a service to easily cancel subscriptions with their XXXX app. I installed it and attempted to use that service- you can not do this service without extra steps that save zero time compared to cancelling subscriptions yourself. In the process of signing up for this service, you are also basically enrolled in their basic membership tier, which begins to bombard you with bank and credit monitoring emails. 

There is no unsubscribe option for these emails, and there is no way to cancel this service online. 

Calling the customer support line results in endlessly looping and frustrating automated systems that seem designed to instill the customer with rage, which ends the call via the support robot. You can say " cancel membership '' and it responds with " okay now tell me why you're calling '' and the reason is literally " cancel membership '' which results in a loop - there is no way to proceed. Requesting to speak with an agent is similarly fruitless, and the robot explains that only limited circumstances allow that to take place, but you can not find out what those circumstances are. It is all transparently designed to result in failure. 

There is actually zero way to cancel memberships, as far as i can tell, and no way to delete your information with Experian. It is extremely malicious.

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 2024-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A credit card account was opened in XX/XX/year> leaving a charged off account on my credit file for the amount of {$190.00} I have tried to contact the company, and they are non-compliant about removing the file from my credit.

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 2024-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I went to my local Chase Branch to get checks for my Equity line of credit. I have a {$60000.00} line that I have paid an annual {$50.00} annual fee but have not used it in years. They called their equity offices and said they would mail checks to me and it would take 2 weeks. They didn't arrive, so I called on XX/XX/XXXX and advised them, and inquired what to do. They said, give it a few more business days, then call back and they would stop payment on those checks and overnight some new checks.I waited until XXXX, still no checks arrived, so I called back, was told that they would stop payment but now would need to do an investigation, which would take 90 days, and I would be unable to withdraw from my equity account until the investigation was complete. When I had follow up questions I was disconnected I called back and questioned why the info from the previous week was completely different. With other banks, once you cancel specific checks you can continue to use accounts, and this is an active account. The part that seems particularly suspicious to me is that Chase doesn't provide an Equity line product anymore. They got out of the business. So the equity line I have, I am only allowed to draw funds out of until early XXXX. I feel like they are deliberately dragging their feet to ensure I don't draw from this account.It seems like a pattern of behaviour that may be shady. I also asked if when the " investigation '' is complete if I can just go to a local branch and get my checks there, so this doesn't happen again, and they said no, they will only ship them. So my request for checks from XX/XX/XXXX won't be honored until XXXX. That doesn't sound legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a text notification alert from XXXX XXXX  saying that someone reported bankruptcy on my Kohls Card I went on my Kohls Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from Kohls Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because Im restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
To delete and remove Account # { XXXX ] number with { XXXX } for {$1400.00}.

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 explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 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 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 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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-10-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX ) XXXX  XXXX Account XXXX is : # XXXX XXXX ) dXXXX XXXX XXXX Account number is : # XXXX XXXX ) XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX number is # XXXX XXXX XXXX XXXX XXXX  Account number XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX  Account Number is # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX  XXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2024-10-06 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX Staffing, The XXXX XXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, SUN XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FINANC, XXXX XXXX XXXX MOT, 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 2024-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft stemming from XXXX Data Breach XXXX XXXX and XXXX XXXX  Data Breaches attached is a copy of my identity theft report with all listed fraudulent accounts. 

Experian Fraudulent accounts XXXX XXXX XXXX {$1200.00} Account Number : XXXX XXXX {$1100.00} Account Number : XXXX XXXX Bank {$630.00} Account Number : XXXX XXXX Bank {$1200.00} Account Number : 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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
Direct Express locked my card and I have sent in verification of my birth certificate, social security card, and ID multiple times but they keep sending me back to the SS office. So the SS workers advised me to redirect my benefits to another bank account, so that's what I did but I still have two payments on tmy direct Express card but the Social worker said they couldn't do anything because they already sent the payment to Direct Express.I keep calling DE but they tell me the can't do anything either!! I'm already late 2 months with no help from the social security office or Direct express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am eligible for loan discharge through the PSLF program. I sent messages to Mohela on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Requested that my 2 loans be placed in administrative forbearance while the PSLF discharge is processing. This has not been done. I have another payment due XX/XX/scrub>XXXX  that I should not have to make since I have requested this administrative forbearance. 

The payment I have made to Mohela are also not reflecting correctly. The payments I have made are as follows : XX/XX/scrub>XXXX  {$170.00} XX/XX/scrub>XXXX XXXX$170.00} XX/XX/year> {$170.00} The Mohela system is only relfecting the payments made XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. It is missing the XX/XX/scrub>XXXX  payment of {$170.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation