vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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:
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. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ( XXXX ) XXXX XXXX XXXX  XXXX # XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report, which I believe are inaccurate and should be investigated. I have reviewed my credit report and compared it to the information on file with XXXX. I am perplexed as to why XXXX has been able to delete the same inquiries that I am disputing with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received fraud email from XXXX XXXX ( XXXX ) regarding a PAYPAL transaction that I'm not liable for for {$790.00} for a XXXX  purchase but the description is for XXXX XXXX XXXX. It also states that failure to make the payment will result in a charge of {$790.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer has placed numerous complaints about the sharing of inaccurate, non-public information to my consumer credit report. As a federally protected consumer, I have a right to privacy.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Dispute of Inaccurate Reporting Child Support on my consumer report/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IN

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE XXXX  
Account name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The credit limit was lowered with no notice to myself. I found out when the auto pay was declined at one of my childrens activities. I called and spoke with them about this situation and was told another letter would be sent. I have been a customer for over 30 years and when I asked to speak to a supervisor I was told that there are none they dont speak with customers they just supervise. The biggest issue is they lowered my credit line to where no Im utilizing 97 % of my credit whereas before it was only about 15 % utilization. Can some pleas assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Meritize Financial Inc.
State: GA

Complaint narrative:
I applied for a XXXX loan with XXXX XXXX XXXX the information that was given to me during the process of getting the admission and the process of the XXXX conflict and am not able go through with the classes after attending a couple and my XXXX XXXX was not always available when am there for my training. Major issues was his time and was told my classes was going to be online because I work but that was not so, and the training was not going like I expected and I reached out to the XXXXXXXX  last year in XXXX and was told they will reach to me and I have not heard anything from them till this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was needing some financial relief so I filed bankruptcy in XXXX  a XXXX  XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was needing some financial relief so I filed bankruptcy in XXXX  a XXXX  XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Since XX/XX/2023, I have been in communication with AidVantage regarding my student loans. My request was to remove all my loans from in-school deferment and to switch them over to the SAVE plan that I was previously enrolled in. My income was already verified for another year and application filed on StudentAid.gov was approved. Nothing was done. I called again XXXX and requested the same thing, they said it would get processed and nothing got done. I then called again on XX/XX/2023, and the representative said she filed rushed paperwork in order for them to process my request. I called on XX/XX/2023 to get an update of this and they told me the Supervisor had to rush request it again. I finally received a notice that my request was denied because my loans had been paid ahead by 12 months. I had not submitted any payment for my loans and when I look through previous documents received, part of my loans are on in school deferment and part of my loans are not. No one in Aidvantage is able to resolve this for me. I do not really understand what the issue is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Hello there, I requested a consumer report from LexisNexis which they provided, then I requested a review of my record due to multiple inaccurate items on XX/XX/XXXX, they responded on XX/XX/XXXX saying that the items turned back as verified. I then requested they delete the items because I personally went to the courts and requested proof that the items are in fact incorrect ; which I mailed them copies as proof that they never investigated anything on my file. This request and the proof was mailed and received by certified mail on XX/XX/XXXX, am still waiting to receive a response from them confirming the deletion of the inaccurate items on my report. 
The items in question are two public records : a property Deed and a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: GA

Complaint narrative:
Im begging you please remove this to the 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt validation letter sent XX/XX/year> was not responded to with attached documents requested. Company sent one statement from creditor instead of all statements as requested. Debt collector continuously calls although I have requested no further telephone communication and everything be done in writing and sent to the address provided. Debtor refused to address amount paid if the debt was purchased from original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i received an email telling me to contact their customer support regarding {$850.00} XXXX  purchase that i did not do. When i called they wanted me to log in to my computer and access a site thats when i got more suspicious and hung up. 
Order ID # XXXX XXXX XXXX XXXX was XXXX XXXX  XXXX XXXX XXXX ) invoice XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
As a full-class member of the XXXX XXXX XXXXXXXX settlement agreement, my discharge and refunds were to be fully completed by XX/XX/XXXX, as part of the court order. My discharge did not happen and I have not received the refunds. 
According to both Mohela and DOE, Mohela was provided the necessary information from DOE to fully discharge my loans as of XX/XX/XXXX. It is now three months later and Mohela has still not followed through on their responsibilities. 
Further, in my previous complaint to CFPB, Mohela had advised they had received the information to discharge the loan and were " looking forward to discharging the loan in the next few weeks '' ( that was in XX/XX/XXXX ). Mohela has been dishonest to me and to CFPB. I am desperate to have this resolved and have my loans discharged, as I am legally entitled to under the XXXX XXXX XXXXXXXX settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: DE

Complaint narrative:
On XX/XX/2023 I realized there was multiple inquiries on my consumer report which I would like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report. If you can npt produce these documents removed theses unverified inquries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
A fraudulent account was opened at Chime.com in my name, with a credit card and debit card also requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I CONTACTED SANTANDER FOR A REPOSSESION THATS SHOWING UP AS A SANTANDER CONSUMER USA- ( CHARGED OFF ACCOUNT ) WITH A Balance OF {$18000.00} FOR Acc # XXXX.THIS VEHICLE WAS SOLD SHORTLY AFTER THE REPOSSESION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My belongings were stolen from the gym on XX/XX/24 including my debit cards and my drivers license so I was told to take the necessary precautions of making this report because I wasnt allowed to get my credit report from the companies I needed one from

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to CFPB complaint XXXX. Chase Credit Card closed the complaint erroneously. I am attaching my letter back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Request to Restore Access to Credit Report and Remove Freeze Dear TransUnion, I am writing to express my deep concern and frustration regarding the continued restrictions on my credit report and the inability to remove the freeze online or over the phone. As a business owner, I rely heavily on accessing my credit report to secure funding for my business and personal needs. 

The recent block on my access, despite my previous complaint to the CFPB, has caused significant difficulties and delays in my ability to operate my business. I find it unacceptable that I am being forced to wait XXXX business days to gain access to my own credit report, which is hindering my ability to make important financial decisions. 

Furthermore, I was shocked to hear from your agent that I need to obtain a new social security number, which I believe is an unreasonable request. I request that you send an email to the social security department officials to address this matter and resolve the issue. 

Additionally, I request that you update my credit report with the other major credit reporting companies, XXXX and XXXX, to ensure that my credit information is accurate and up-to-date across all reports. 

Pursuant to Section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request a freeze on my credit report and to request that the freeze be removed at any time. I am also entitled to receive a copy of my credit report and to dispute any inaccuracies in a timely manner. 

I urge TransUnion to immediately restore my access to my credit report online and over the phone, and remove the freeze to enable me to conduct my business operations smoothly. I also expect prompt updates to my credit report with the other reporting companies. I hope that this matter will be resolved promptly and fairly, without any further obstacles or delays. 

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 explanation