vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-28 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:
Lender is unable to validate debt

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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am former XXXX XXXX XXXX XXXX XXXX most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( XXXX XXXX ), as I stated previously I was unaware that I had any private loans. I requesting the loan be closed based on fraudlent pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I called chase after receiving today an email that my checking accounts were both restricted and they provide a number to call to see why they were restricted and provide information of myself so they can be unrestricted. Upon calling I go through the automated process and eventually get a hold of the representative and once I tell them all my banking info they tell me that chase already decided to close my account and its irreversible and theres nothing I can do about it. Keep in mind that I have been a chase customer for over 6 years now and they didnt provide me with a warning let alone a reason as to why this happened. I have bills to pay and all my money is currently sitting in those locked chase accounts that are soon to close. I have to wait for evaluation and then for them to mail a check which they already confirm it takes them 10 business days to do so and another 10 business days to mail the check. The representative on the phone said I can expect it before XX/XX/XXXX which is literally a whole month from now. This isnt right. The first checking account has a balance of {$1100.00} and the second one has a balance of {$2500.00}. All my money is in these accounts and rent is due at the end of the month and bills and credit card payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MS

Complaint narrative:
At this point in time, Experian, XXXX and XXXX are in violation of 15 USC 1602 ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my 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 2024-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and so on.

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 2024-03-28 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.

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 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: TX

Complaint narrative:
I am the owner of a XXXX XXXX, and we are an agent for XXXX. On XX/XX/2024, a customer transferred and paid to us {$610.00} + {$10.00} fees for a total of {$620.00}. The money did not go through, so she came back and called XXXX. XXXX agent asked us to refund her the money ( as is the usual practice ). I processed the refund on XX/XX/2024 and since then the company 's transfer line went down. No further customer was able to complete a transfer. I called XXXX to recover my money and they said you can recover when next customer makes a transaction. Problem was that XXXX dropped all their agents and no one could transfer the money. I called for refund of the {$620.00} credit balance on my account, and they kept saying week, XXXX weeks and so on and as of now have not received it and fear that it may get lost if the company were to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the collection of rent payments in accordance with the CARES Act. 

As you may be aware, the CARES Act, enacted by the federal government, provides protections for tenants during the COVID-19 pandemic. One of these protections includes restrictions on landlords ability to pursue debt collection actions for unpaid rent. Under the CARES Act, landlords are prohibited from initiating eviction proceedings or assessing fees or penalties for non-payment of rent for properties covered by federally backed mortgages or receiving federal housing assistance. 

Given the current circumstances, it is imperative that we adhere to the guidelines set forth by the CARES Act to ensure compliance with federal law. Therefore, I kindly request that you refrain from any attempts to collect debt on rent payments during this time, as doing so may constitute a violation of the CARES Act. 

I appreciate your understanding and cooperation in this matter. If you have any questions or concerns regarding the CARES Act or its implications for our rental agreement, please do not hesitate to reach out to me. 

Thank you for your attention to this important issue. 

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
Consumer complaint received 2024-03-28 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: CA

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.

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 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 2024-03-28 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: PR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
I was going over my credit report on XX/XX/2024 and I realized that the report is not reporting accurately and its misleading. On XXXX XXXX I called the RADIUSGLOBAL and spoke to a XXXX XXXX was inquiring why they are reporting a collection on my credit report inaccurately he informed me that they no longer have the account and it was sent back to the original creditor. I have disputed this matter on numerous occasions and I have not received any information about it. The account RadiusGlobal is reporting incorrect information and according to 15 U.S. Code 1681s-2 this is in violation of the law. I want the account removed immediately from my credit report and any other credit reporting agencies.

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 2024-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Check my credit and seen several inquiries regarding approval for credit that I didnt not authorize nor approve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Check my credit and seen several inquiries regarding approval for credit that I didnt not authorize nor approve

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Suttell & Hammer refuses to provide me with a sworn affidavit that I owe XXXX XXXX any money, they keep sending me statements of an alleged account. However XXXXXXXX XXXX owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent Suttell and Hammer and XXXX numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, Suttell and Hammer and XXXXXXXX XXXX sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when XXXX XXXX doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

Suttell and Hammer is working with XXXX XXXX  to commit fraud.

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 2024-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2024 at XXXX, I received two emails from Bank of America : one advising that they received my credit card application for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The second email advising that I had enrolled in the Online and Mobile Banking platform. I also received an email from XXXX XXXX, which monitors my credit, that there was a new inquiry on my credit file. 

I did NOT apply for this credit card and I did NOT enroll in the mobile banking platform. This was clearly fraud. I called Bank of America and advised them that I did not, in fact, apply for this card and reported it as fraud. They noted the fraud and stopped the application process. Once they successfully assisted me in stopping the fraudulent application, they also advised me to contact the XXXX credit bureaus and report the hard inquiry on my credit report. 

I created accounts on XXXX, XXXX, and XXXX and froze each of those files. I just spoke to a representative at XXXX who opened an investigation in an attempt to remove the hard enquiry from my credit report. The representative also advised me to lodge a complaint to the CFPB, so that is what I am doing. The representative advised me to upload a copy of this complaint to XXXX, which I plan to do as soon as I finish this process.

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 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I received a notification from XXXX that my credit received a major derogatory account and checked to see that my score had dropped by over XXXX points. A collection was added by Sunrise Credit Services for a {$5400.00} bill from XXXX XXXX XXXX XXXX. I have never had an account opened at XXXX XXXX XXXX. I certainly never received any verification of the debt from Sunrise or XXXX XXXX XXXX nor was any attempt made to contact me. This debt is either fraudulent, or the collections company is trying to collect from the wrong person.

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 2024-03-28 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: LA

Complaint narrative:
I was charged an ACH withdrawn from my bank account on XX/XX/year> in the amount of {$180.00}. Of that amount {$94.00} was applied to principal and {$94.00} was applied to interest. 

Now, they are making another ACH withdrawal on XX/XX/XXXX for {$230.00}. This is not a scheduled payment. I received no notification of the reason for the additional payment. When I try to turn off auto-debit, it says that I can not. 

All XXXX of my loans state that they are paid up to date. There is ZERO reason to be debiting me right now! Their telephone is always busy with a ridiculous wait time. 

I am angry that they now hold my loans and feel that I am at their mercy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I purchased a brand new Audi from Audi XXXX XXXX. This was my second purchase with this dealership and financial services. 
Once I signed for my new car I went into Audi Financial Services to set up Auto pay. 
I noticed after a week, when I got into my car a new name was coming up on my screen. Someone I did not know. 
When I signed into my Audi account, it had a different vehicle and a different name. 
I also saw that it was showing me 30 days late on a payment. 
I immediately called Audi Financial to figure out the problem. After speaking to several departments I finally spoke to a supervisor who was going to get the 30 day late off my credit and the other persons information. 
That was a month and a half ago and nothing has been done. I have contacted Audi Financial several more times and can not get anyone to assist. The continue to send me to different departments as no one seems to be able to help me. 
Now I have a 30 day late payment on my credit and I am hesitant to make another one as I am not sure it will be applied to my vehicle and not this other persons loan. 
I received multiple call from Audi about my payment being 30 days late even though it is not. I also can only see the other persons vehicle when I log into my account now. Your help with this matter and urgent attention is beyond valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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