vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: AL

Complaint narrative:
I believe that the bank did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank recorded the promissory note as an asset on the books of the bank and credited cash to balance the books. The alleged borrower got cash. likely the bank will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new bank asset and a new bank liability. The new asset came from the borrower and the bank liability means the bank owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property. This is what I believe is an act of custodian or intermediary to the transaction.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I believe that the bank did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank recorded the promissory note as an asset on the books of the bank and credited cash to balance the books. The alleged borrower got cash. likely the bank will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new bank asset and a new bank liability. The new asset came from the borrower and the bank liability means the bank owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property. This is what I believe is an act of custodian or intermediary to the transaction.

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 2024-12-17 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC XXXX XXXX XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC XXXX XXXX XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I reviewed my bank accounts and noticed an unauthorized withdrawal of {$2600.00} from my savings account on XX/XX/year>. The transaction was labeled as a teller withdrawal conducted inside the BMO Bank branch located at XXXX XXXX XXXX, XXXX XXXX, California. 

When I contacted the bank, they informed me that the withdrawal was made with a debit card and PIN and claimed there was nothing they could do. I immediately clarified that I did not make this withdrawal and requested a review of the security footage and the initiation of a fraud investigation. 

XX/XX/year> : The bank filed an investigation claim. 
XX/XX/year> : I visited the branch for an update, but they had no information or progress to share. 
XX/XX/year> : I spoke with the branch Vice President, who stated that because the transaction involved a debit card and PIN, it was unlikely I would be reimbursed. 
XX/XX/year> : I filed another investigation claim and again spoke with the VP. He informed me that while a report was filed, there was no case number. When I asked about camera footage from XX/XX/XXXX, he revealed that the branch 's cameras were not operational that day. 
Since then, I have been given inconsistent information and excuses with no resolution in sight. To date, I have not received reimbursement or clarity regarding how this unauthorized transaction occurred. It is highly concerning that the branch cameras were conveniently nonfunctional, leaving me without critical evidence. I continue to face delays and deflections, leaving me out {$2600.00} and deeply dissatisfied with how BMO Bank has handled this matter.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.

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 2024-12-17 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: OK

Complaint narrative:
On XX/XX/year>, I submitted a request to move from SAVE to IBR ( attached ). That form disappeared on my studentaid.gov account the next day, XX/XX/year>. 

After waiting a few days for it to reappear ( it did not ), I submitted an identical request on XX/XX/year> ( attached ). That request disappeared the next day, XX/XX/year>. 

On XX/XX/year>, I contacted MOHELA to ask if they had ( 1 ) received the request and ( 2 ) when I would be placed in a processing forbearance such that I could get PSLF credit ( as opposed to the mandatory SAVE forbearance ).

The customer service rep I spoke to indicated that ( 1 ) they had received the request, and ( 2 ) that they would not process my application until the SAVE forbearance ended/that they were prohibited from processing changes in IDR plans until the litigation concluded.

This position is inconsistent with studentaid.gov 's post on the SAVE court actions, which tells borrowers that they can enroll in a different PSLF-eligible repayment plan : https : //studentaid.gov/announcements-events/save-court-actions. It's also inconsistent with the Administration 's recent IFR re-opening PAYE and ICR plans with the purpose of permitting SAVE borrowers to transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are associated with this breach and should be deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX 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 XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are associated with this breach and should be deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: UT

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-12-17 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-12-17 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 am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/year>. The dispute letter requested an investigation into inaccurate items on my credit report. I sent the letter via USPS certified mail, tracking number XXXX. 

In addition to disputing the inaccurate items, I also challenged the incorrect personal information listed on my credit report. According to USPS tracking, the letter was delivered to Experian on XX/XX/year>. Despite my detailed and valid request, Experian has failed to provide any investigation results. More than 30 days have passed since the delivery of my dispute letter, yet I have not received any communication or resolution. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Experian and the USPS certified mail proof of delivery as evidence to support my claim.

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