vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I called and spoke with a representative on XX/XX/year> and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/year>. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Information Pursuant to 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally lodge a complaint against Experian, XXXX  of the major credit reporting agencies, for their continued reporting of inaccurate information on my consumer report, despite my efforts to have this matter corrected through their dispute resolution process. This complaint is in regard to the account with XXXX XXXX XXXX  XXXX, account number XXXX. 

On XXXX, I submitted a dispute to Experian concerning inaccurate information on the aforementioned account. As required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, Experian was obligated to conduct a reasonable reinvestigation of the items in question to determine their accuracy. 

Despite this requirement, on XXXX, I received a response from Experian indicating that their reinvestigation was complete and that they had verified the information as accurate with XXXX XXXX XXXX  XXXX, choosing to continue reporting the disputed information on my credit file without any modification. 

It is my contention that Experian 's reinvestigation was neither reasonable nor adequate, as the information reported is demonstrably incorrect. 

The continued reporting of this inaccurate information has had a detrimental impact on my credit score, resulting in me not able to apply for credit and suffering from financial distress and XXXX  interest rates. This situation is unacceptable and in violation of the FCRA, which is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I respectfully request the CFPB to intervene in this matter to ensure that Experian complies with their legal obligations under the FCRA, specifically : XXXX. To conduct a thorough and reasonable reinvestigation of the disputed information on my consumer report concerning the XXXX XXXX XXXX XXXX account. 
XXXX. To correct or delete any and all inaccurate information found as a result of such reinvestigation.

XXXXXXXX  To provide me with a written summary of their findings and a copy of my updated consumer report post-reinvestigation. 



Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to ensure compliance with the FCRA and to protect consumers from the harmful effects of inaccurately reported credit information. 

Sincerely,

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 2024-03-04 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: CA

Complaint narrative:
I appreciate the effort to remove certain items from my file due to alleged erroneous reporting ; however, additional items still require removal. This complaint seeks to eliminate the remaining unauthorized hard credit inquiries from my credit reports. Upon reviewing my credit report from your bureau, dated XX/XX/XXXX, it became apparent that the unauthorized inquiries had not been addressed. Below are the unauthorized inquiries identified : -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please proceed to remove the listed inquiries in compliance with the Fair Credit Reporting Act. Should there be any other unauthorized inquiries not specified here, kindly remove them promptly. According to Section 605B ( a ) of the Fair Credit Reporting Act, any information opened without my consent, knowledge, or authority must be removed within four business days, provided there is ( 1 ) proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of such information by me, and ( 4 ) a statement from me denying any relation to the transaction. Attached is my new FTC report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
The Apple Card was on the Apple Wallet and this was linked to XXXX. There have been fraudulent charges on both accounts and the XXXX account was completely taken over. Someone has been adding amounts that I supposedly have to pay by cash, XXXX or gift cards. Apple closed my account for " inappropriate use '' and XXXX refuses to cancel my account and delete my personal information and credit cards. I went through identity theft in the past and my social security number was used by a scammer to file taxes. The charges on my account are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I approached Apple Card through the chat feature and called them to file complaints and told them about the fraud. I provided detailed evidence of each case and every time they opened cases and then " reversed '' the charges. Apple then added the charges back to my account as new. All of the charges were paid by me and they should not have been added back as a new charge. I already paid them. Some of the fraud happened in XXXX while I was rebuilding my credit from the identity theft. I did not want my credit score to be impacted. The amount of charges that were added back to my card after their investigation into the fraud was {$7500.00}. Apple issued a " provisional credit '' and then lost or never retained any of the documentation that I provided in any of the at least seven times that I tried to get them to do something. Once enough time had passed they would send me an email that the provisional credit was being reversed and charged my account again. 

XXXX XXXX used the credit card information from one sale that was authorized in XX/XX/XXXX to pay for purchases on XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$390.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX for {$510.00}. The only way to reach the company is to send them a message by chat and then put the details into an generic email that supposedly goes to California but really goes through somewhere offshore. XXXX never raised any objection or required additional information from the seller despite receiving multiple emails telling them it was fraud. XXXX also refused to issue a refund for the purchase on XX/XX/XXXX due to them telling me that they had not received the purchases. The box that they sent to the wrong address was ripped open and rummaged through when I finally received it. It had a sticker from the shipper that said that the box looked like this when they received it to send to me. The Apple Card was used in all of the transactions and continues to remain on the XXXX site despite being closed down for " inappropriate usage ''. 

XXXX XXXX billed me for someone else 's charges as did the XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report contains mortgage information for XXXX XXXX XXXX, XXXX ( XXXX ) with derogatory information which is incorrect. XXXX should not be reporting under my personal credit report as the house has been transferred into a trust making the mortgage business relation between the trust XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX. See attachments. Effective immediately, remove all derogatory information from XXXX. Also, going forward, do not accept or update my credit report with any information received from XXXX. Close my personal report to XXXX. 

Additionally, XXXX and Transunion are not reporting accurately as it relates to XXXX. XXXX does not report for 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-04 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: WA

Complaint narrative:
Disputed charge for concert tickets in XXXX- took several months before charge was reversed - letter was sent confirming this, so this is not in dispute any longer, though this was more work than it should have been. In the meantime, interest was accrued and late charges were applied for XXXX, XXXX, XXXX. Called every month and were assured that interest and charges would be reversed, but to-date statements continue to be sent with increasing balances and a collection agency has now started to call. This is distressing for consumers in their XXXX and beginning to affect their health when clearly they did not buy concert tickets in a foreign country. One agent tried to state they would waive the interest and late fees as a courtesy, when it is a regulatory requirement, not something that should be done in courtesy. 

Interest and late charges need to be reversed, and the Sears/CitiBank credit card closed XXXX it has not been used- the only charge was verified as fraud and reversed.

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I currently have a checking account with Bank of America. On XX/XX/XXXX, I was checking my account and noticed a charge for XXXX at XXXX XXXX XXXX XXXX in XXXX SC, a little more than XXXX hour away from my home. I immediately contacted the bank to dispute the transaction, as I know I did not make the purchase nor did I authorize anyone to use my card for a purchase. The bank provided me what was called a temporary credit of XXXX until a investigation could be completed. On XX/XX/XXXX I received a email regarding the balance in this account being low. I logged in to see the reversal of the temporary credit that had been provided in XX/XX/XXXX. I went to the message center of the account and read letter stating that I allowed someone to use the card for the transaction and that the credit reversed. I tried to call Bank of America on XXXX to speak to someone regarding the decision but after being on hold for almost XXXX minutes, I disconnected the call. I do not have a history of being in XXXX SC, my account reflects no history of shopping at XXXX XXXX stores. When providing information on the dispute I correctly identified purchase made up until this one. I did not make nor did I authorize anyone to use this card for any purchase at XXXX XXXX in XXXX SC.

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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. 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 2024-03-04 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: MI

Complaint narrative:
Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
When student loan repayment restarted in XX/XX/XXXX I never received notice of my monthly bill. In XXXX I had returned to school but planned to keep my loan active since I am working full-time at a XXXX and XXXX the XXXX program. When I reached out in XXXX about my payments they stated they put me in automatic in-school determent despite my old loans and new loans being separate. I asked to be taken out of deferment and started making payments. I also set up auto-repay. They wouldn't allow me to pay XXXX and XXXX so they could count toward XXXX despite being will to pay and having worked full-time at a qualifying employer. Now I find out that they cancelled my auto-pay and did not withdraw money in XXXX or XX/XX/XXXX and AGAIN put me in deferment. That is ANOTHER 2 months I will lose out toward XXXX. This is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.

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 2024-03-04 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.

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 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am contacting your agency for urgent assistance with my loan servicer, LoanCare/XXXX XXXX XXXX XXXX XXXX XXXX I was awarded a XXXX XXXX mortgage grant approval for {$6800.00}, and was approved for a XXXX Forbearance from LoanCare for the period of XX/XX/XXXX XXXX XXXX, XXXX. There is currently an overage amount of {$580.00} that I personally withdrew from my personal checking account to put towards my mortgage on XX/XX/XXXX, at the request of LoanCare. These funds are in an unexplained suspense account. Why arent these funds applied to my mortgage balance? How long do these funds remain unapplied in a suspense account? LoanCare provided me with a POC, XXXX XXXX, whom I left messages for and have not received a response from to date. 

Although I was eligibly approved by LoanCares Loss Mitigation Department on or about XXXX of XXXX, I recently received a letter from Loancare dated XX/XX/XXXX, that I am not eligible for any Foreclosure Alternatives at this time. These documented letters sent to me are unfair, deceptive, contradictory, and abusive practices of LoancareXXXX XXXX XXXX XXXX XXXX XXXX I am disgustingly disappointed that LoanCareXXXX XXXX XXXX XXXX XXXX is allowed to continue their deceptive practices, placing me in harms way of losing my home. LoanCare offered assistance with granting me a Forbearance, then deciding to renegue on the offer at a later date. This should not be allowed. These mortgage servicers and sub servicers conduct business in XXXX ; however, they should be forced to practice their businesses in Good Faith with the residents of New York State. 

I am reaching out to your agency for urgent assistance in this matter. 

I have attached supporting documents for your review. Please be advised of the servicers documented dates. 

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 explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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