vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to formally dispute and request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts/inquiries listed below were opened or made without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of the following fraudulent accounts and inquiries : XXXX Accounts : XXXX. Bank XXXX XXXX ( Account ending in XXXX ) o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX. XXXX XXXX ( Account Number XXXX ) o Date Opened : XX/XX/XXXX o Balance : {$1900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding the unfair and unjust process I experienced while disputing a hard credit inquiry on my credit report with Equifax. 

Details of the Situation : Date of Inquiry : XX/XX/year> Dispute Submitted : XX/XX/year> Claim Denied : XX/XX/year> On XX/XX/year>, a hard credit inquiry was made on my credit report by XXXX XXXX of XXXX without my authorization. I went to the dealership with the intention to view a XXXX XXXX, but was pressured to consider a XXXX, which I was not interested in. I explicitly stated that I did not authorize a credit pull. The salesperson and finance manager assured me that no hard inquiry would occur. Despite this, a hard inquiry was made, and I noticed it on my phone. 

I disputed this unauthorized inquiry through Equifax on XX/XX/year>. However, my dispute was denied the following day, on XX/XX/year>, without any opportunity for me to submit documentation or further evidence supporting my claim. 

Issues I Encountered : No Ability to Upload Documentation : During my conversation with Equifax customer service representative XXXX, I was informed that there is no functionality available on myEquifax for consumers to upload supporting documentation to disputes. The representative was not aware of this limitation, and I realized that no one can submit documents electronically to support a dispute. 

Unfair Timeline : My dispute was denied within XXXX hours of submission, despite Equifax stating that they provide XXXX  days for processing. When I spoke with a supervisor, he explained that even if I had mailed the required documentation via overnight service, it would not have reached them in time to be considered for the decision that was made within XXXX business day. 

Lack of Due Process : I was not provided with an adequate opportunity to submit supporting documents, which I believe violates the due process requirements of a fair dispute resolution. The system does not allow consumers to fully present their case and it appears that decisions are being made without consideration of all relevant evidence. 

The denial of my dispute, without proper due process or the ability to submit documentation electronically, has adversely impacted my credit and is preventing me from moving forward with my intended purchase of a vehicle. I request that the CFPB intervene to ensure fair treatment and resolution of this matter. 

Thank you for your attention to this issue. I look forward to your response and appreciate your assistance in resolving this unfair process. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JPMCB CARD Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I use Chime online banking. XX/XX/year>, I used Mail a Check feature, Chime took the Money instantly from my account in the amount of {$780.00} and gave an arrival date of XX/XX/year>. Today, XX/XX/XXXX, due date of my bill, I was informed they never received the check/payment! I called Chime  XXXX and was told the Check was processed but couldn't tell me if it was printed, mailed, or where it is... only the substandard of XXXX XXXX business days... I was also told if I canceled the check, it would take XXXX business days for my money to come back to my account ... these options are all unacceptable because the check should have arrived XXXX the XXXX not XXXX the XXXX XXXX... what would have been a week early on my bill is now XXXX weeks late on my bill and Chime support can't do anything acceptable to fix this! I needed my money sent back to my account today or ensured the check would be received soon! I've used this feature for over a year and have always had my checks sent when they said they'd be sent... It's horrible practice to take my money, not send the check, and then make me wait to either get my money back or wait to see if the check will arrive... They can take my money same day, but not refund it same day? Unacceptable! I have never been late on my house payment, now this month I am and this can not happen again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: MT

Complaint narrative:
On XX/XX/year>, I make a payment for a specific loan in the amount of {$3000.00}, {$3000.00} was withdrawn from my bank account on XX/XX/year>. I am coming up on XXXX month since I made the payment and there is no record or documentation that I made they payment on the Mohela website. My total student loan balance has increased since I made the payment. Since the payment is not posting, I am accruing even more monthly interest on a loan that I paid off in full. 

I have tried several times to call and speak to someone about my loan ; despite waiting on the phone for hours on various days throughout the week, I can not get connected with a human to discuss my issue. I am forced to wait through long voice messages just to be able to select number options to try and figure out whom I should be connected to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: U.S. BANCORP
State: DC

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXXXXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from USBANCORP. I called USBANCORP to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called XXXX and went online to dispute this inquiry with XXXX and 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 2024-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-15 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: MD

Complaint narrative:
I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through XXXX XXXX XXXX XXXX XXXX 's customer support on I Notified my bank and credit reporting agencies I request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2024-11-16 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXXXXXX XXXX XXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from JPMCB CARD First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the JPMCB CARD inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called XXXX and went online to dispute this inquiry with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: DC

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. TransUnion is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called TransUnion and went online to dispute this inquiry with XXXX and 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 2024-11-16 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXXXXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXXXXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called XXXX and went online to dispute this inquiry with XXXX and 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 2024-11-15 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: OH

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-16 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: DC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-15 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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