vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.

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 2024-02-29 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:
This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.

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 2024-02-29 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself 30 more days to fulfill my first request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
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 Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company violated 15USC 1681 and reported erroneous and incomplete information and refused to send the 1099C as requested.

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 2024-02-29 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: IL

Complaint narrative:
I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, my fianc and I purchased a home from a couple with the same last name as me ( XXXX ). When we purchased the home, I had my mail forwarded to my new address. Since the purchase, my Primary address on my banking account changes to the previous owner 's new address, in a different city, without my consent. It has changed without my consent at least 10 different times. I call chase every time this happens, and they do not have an answer other than to change my address with the post office. I have done just that on 3 different occasions. When my address changes without my consent I am unable to use my debit card for 24 hours after each occurrence. They continuously tell me that " Generally, your address should not change without your consent '' but here we are. Why is it that the postal company is linked to banking?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Federal tax refund was reduced From Credit acceptance of the amount of {$4200.00} of my total {$9700.00}. I had reached out to credit Acceptance on XX/XX/year> & XX/XX/year> was told by XXXX that my account was closed and no balance from Credit Acceptance, Therefore, aware of the Refund offset. I have enclosed a copy of the Title of Closed Account and Federal Transcript for view. I would like to be refunded the whole amount that was offset by this company & Compensation for the financial hardship it has caused.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account was closed / access was restricted for my access, and there was a statue of time of15 buisiness days to get a response on my appeal as I stated to Navy Federal that the charge that made my account negative was unauthorized and to now it has now been over the limit of time and I still have no access. I feel like my account is not being taken seriously and feel targeted because of this. misleading information is also a violation. No update no anything Also never received automated email that they received it I had to call multiple occasions 18 U.S. Code 35 - Imparting or conveying false information U.S. CodeNotes ( a ) Whoever imparts or conveys or causes to be imparted or conveyed false information, knowing the information to be false, concerning an attempt or alleged attempt being made or to be made, to do any act which would be a crime prohibited by this chapter or chapter 97 or chapter 111 of this title shall be subject to a civil penalty of not more than {$1000.00} which shall be recoverable in a civil action brought in the name of the United States.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment in the amount of {$490.00} from my checking account 's bill pay feature to my capital one credit card. On XXXX, XX/XX/XXXX I called customer service to inquire on why the available credit on my credit card has not been released and was informed that the available credit would not be released until XX/XX/year>. This notice was not given ahead of time and I am now unable to pay for my 16 month old necessities as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

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 2024-02-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Me and my dad have the same name and he used my information to open a card. He did identity theft on me

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 2024-02-29 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: TX

Complaint narrative:
The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2

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 2024-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
I called on a recorded call to get info on how to apply for ppp loan forgiveness because I told him SBA said i need to apply directly through them. he said they don't do that and as im explaining he hung up on me..VERY UNPROFESSIONAL..

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 2024-02-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NE

Complaint narrative:
I believe Mohela has mishandled my student loans and my IDR request. I submitted a request for loan consolidation on XX/XX/XXXX which included a request for the SAVE plan. The consolidation has gone through, however the IDR request was canceled. I submitted a new IDR application for the SAVE plan on XX/XX/XXXX and this one was also canceled. On my Federal Student Aid account it shows my SAVE plan was approved for {$760.00}. On my Mohela account I have two canceled applications with my current plan showing as level and my monthly payment is astronomical compared to my anticipated IDR payment plan. I have since called and messaged Mohela, but I have received no reason for denial of my application or any solutions for this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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