vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: CT

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM XXXX, EQUIFAX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: CT

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM EXPERIAN, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}

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 2024-09-08 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: MT

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. This unauthorized account and several inquiries were added without my knowledge or consent and require immediate attention. 

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 I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my 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 2024-09-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
ACCOUNT # XXXX Can you tell me who the original creditor is? I dont recognize this account, and Im not agreeing to it. I mean, would you agree to this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I was a victim of identity theft, Ive already filed a complaint with the credit bureasu anmd it hasnt been resolved. I am not responsible for the debt due to the fact that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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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 2024-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I submitted a school misconduct application to Navient on XX/XX/year>. I was rejected on XX/XX/year>. The school I went to closed and it part of the XXXX XXXX XXXX XXXX  and I am a post-class member of the suit. The information provided as reason for rejection is not sufficient and does not help to know more.

" Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have inquiries I did not authorize on my credit report 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 2024-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Refusal to Investigate Illegal Late Payments in Consumer Report Company : Equifax Issue : Incorrect Information on my credit report - Equifax refuses to investigate Description of the issue : I am writing to file a formal complaint against Equifax for refusing to investigate and correct inaccurate information on my consumer credit report. Specifically, there are illegal late payments listed that I have disputed multiple times. I followed the appropriate dispute process by providing documentation and a detailed explanation to support my claim that these late payments are inaccurate and should not appear on my credit report. 

Despite my repeated efforts, Equifax has refused to conduct a proper investigation or correct the errors, which is a violation of the Fair Credit Reporting Act ( FCRA ). This incorrect information is negatively impacting my credit score, and I am seeking resolution to this matter. 

Actions taken : I initially submitted a dispute on XX/XX/year>, providing all relevant documentation to support my claim that the reported late payments are inaccurate. I sent a letter to Equifax that was notarized and certified. 

On XX/XX/year>, I received either a letter from Equifax that the documentation which was my social security card and my drivers license are illegal and they sent a refusal to investigate the matter. 

Equifax has failed to meet its legal obligation to investigate the dispute, as outlined in the FCRA. 

**Desired resolution : ** I am requesting that the CFPB intervene to ensure that Equifax complies with its obligation to investigate the dispute and remove the inaccurate information from my credit report. I also request that Equifax provide a formal explanation of the steps taken to resolve this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX, wish to complain to help resolve a claim denied reconsideration of my Bofa visa ending XXXX, and a dispute of 12 transactions totaling {$100.00} initiated as non-fraud initiated XX/XX/XXXX to the claims dept. at phone number XXXX. 
Bofa claim number XXXX. 
The claim was denied about the requested additional information describing the transaction not found even though I submitted the document by fax even on time to fax number XXXX. 
The 12 purchases that posted a debit in error on my account as follows : 1 ). XX/XX/XXXX lift right debit {$12.00} is it billing error for this purchase I did not make or give permission to deduct money from my account. 2 ). XX/XX/XXXX XXXX cell service purchase a {$22.00} for cellular service that did not work with the device that was unable to use the cell service to reverse returning the funds. 3 ) XX/XX/XXXX XXXX XXXX  posted for cancellation fees in air for these four transactions not done by me {$7.00} 4 ) {$1.00} XXXX ) {$5.00} 6 ) {$3.00} 7 ) XXXX XXXX XXXX XXXXXXXX debit {$21.00} purchase air not done by me I gave no one permission to use my account. 8 ) XXXX / XXXX XXXX XXXX  debit {$6.00} for cancellation fee not authorized posted an error because I gave I did not make the transaction or give permission and receive no ride or request. 9. ) XX/XX/XXXX XXXX XXXX {$6.00} for a cancellation fee I did not make a request for and give no permission to use my account 10. ) XX/XX/XXXX XXXX XXXX {$4.00} or a cancel fee I did not make or give permission to charge my account 11 ) XX/XX/XXXX XXXX XXXX  {$10.00} for a purchase request I did not make and I did not receive a ride or give anyone permission to use my account this transaction is unauthorized. 12. ) XXXX XXXX debit of {$1.00} for cancellation fee that I did not get permission to or make any requests for. 
The denied 12 transactions because of the additional information needed in writing to describe the transaction wasn't found the claims research department debited my account for the temporary credit that was issued previously and made my account in the negative $ XXXX and for over a month now and denied too quickly about overlooked information that was in the past month submitted and still the claim hasn't been resolved and repaid resolving the negative balance

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 2024-09-08 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: LA

Complaint narrative:
On XX/XX/year> I faxed to Equifax ( XXXX XXXX ), and Equifax successfully received, my dispute letter ( see attached ). In my letter I included the required identification including my drivers license, social security card and a recent utility bill. I disputed inaccurate account reporting on my credit report ( XXXX # : XXXX ). Equifax responded stating that they were unable to locate my credit file, further stating that they needed additional identification documents for verification and to specify account name and number and specify reason for dispute. Yet in my dispute letter as you can plainly see everything they asked for was already provided sufficient for the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: PA

Complaint narrative:
On XX/XX/year> it was reported on my credit report by XXXX XXXX XXXX XXXX that I owe XXXX. I would like for XXXXXXXX XXXX XXXX to delete this off my credit because they have no permissible purpose under the 15 U.S.C code 1681b

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 2024-09-08 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: PA

Complaint narrative:
On XX/XX/year> it was reported on my credit report by XXXX XXXX XXXX XXXX that I owe XXXX. I would like for XXXXXXXX XXXX XXXX to delete this off my credit because they have no permissible purpose under the 15 U.S.C code 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX After carefully investigating the company XXXX XXXX, they are not even licensed to collect in the state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies, they are not even licensed to collect in my state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My payment was due Monday, XX/XX/XXXX. I am behind on my payment because I am dealing with some money issues. Beginning that day, I was called at least 3 times a day by a collector. I have been called a total of 21 times since that day. I have spoke with someone at least twice in that time span as well and asked they stop harassing me under FDCPA guidelines. They indicated theyve not violated any guild lines and would not be discontinuing. 

This is a Citi Bank Home Depot Card

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear XXXX or XXXX ; Seeing your recent reporting on Credit Card Reward Issues, it brought to mind the slow walking of XXXX XXXX XXXX miles from a deceased family member. 

My father passed in early XXXX of this year. On XX/XX/year> I uploaded my father 's XXXX XXXX and received no response. In late XXXX I again uploaded my father XXXX XXXX and the XXXX XXXX paper naming me as Executor of my fathers Will. Without a response again I called today XXXX XXXX, XXXX and was told there is a 180 day ( XXXX months ) waiting period before the Credit miles can be issued. 

I am at a loss as to why this would take so long. Simply considering and comparing that it took only a month at the longest to settle life insurance, financial joint accounts, bank accounts, XXXX accounts with the same paperwork given ~ Sincerely, 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 2024-09-08 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: IN

Complaint narrative:
I submitted identity theft police report like reporting company told me due to identity theft and they said they would remove accounts but they didn't and it's years later still NO UPDATE to file they just kept telling me I need new police report! I didn't inner stand why I needed a new one and they never explained why. I call to verify why they haven't removed items and they told me I need to get an UPDATED POLICE REPORT, FTC REPORT, CFPB REPORT in order for them to remove items.

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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Found out Jefferson Capital Systems is a collection agency trying to collect on a debt from XXXX XXXX XXXX but has never provided me with a notification in which I could dispute this debt. I contacted XXXX, XXXX and XXXX XXXX to have this debt removed but they ( all XXXX credit reporting agencies did not DELETE OR REMOVE THIS INACCURATE DEBT and listed it as being validated ) I requested that XXXX, XXXX XXXX XXXX XXXX OBTAIN THE SIGNED PURCHASE AGREEMENT BETWEEN Jefferson Capital System and XXXXXXXX XXXX XXXX. NOTHIN G HAS BEEN PRODUCED AND THIS DEBT IS BEING REPORTED AS VALID, ACCURATE WHICH IS NOT TRUE. In addition, the amounts being listed on this collection account is absolutely wrong and inflated. I NEVER HAD A {$1400.00} CREDIT CARD IN MY LIFE!!!!!!!!!!!!! I WANT THIS DEBT IMMEDIATELY REMOVED FROM MY XXXX, XXXX AND XXXX XXXX CREDIT PROFILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: IA

Complaint narrative:
I received a copy of my credit report and found the following item to be in error. 

XXXX XXXX XXXX Collection account {$700.00} past due XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 USC sec 1681i ( a ) you must complete this investigation within 30 days of the receipt of this letter.

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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my dispute claim Claim Reference Number : and Claim Reference Number : XXXX and Claim number XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX and update for both claims y'all never send me my reject denied letters so please resend me both of them in the mail to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for both claims and upload those two rejected letters to the complaint respond because I never got them and I don't know why they both got denied and closed out for without a letter stating the reason for both claims so I want y'all to reopen my two claims and investigate it again and give me a credit for it for both of them in mail by a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the account is closed out I want a check for both claims for the total amount etc. My name is XXXX XXXX XXXX and contact me at 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