vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
I have been impacted by identity theft, necessitating another request for the removal of an inquiry from my credit file due to fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any such items no later than four business days after XX/XX/XXXX. This matter was previously addressed in my complaint, and I am reiterating it alongside my new FTC report, referencing # XXXX. Furthermore, the information regarding this inquiry, listed as EXPERIAN : XXXX XXXX XXXX XXXX, is unfamiliar to me and has already been expunged by other bureaus, casting doubt upon its accuracy. Failure to remove this inquiry from my Experian credit report will compel me to initiate legal action. My legal counsel is apprised of this course of action and is prepared to hold you accountable for deliberate noncompliance. This serves as a final warning. Kindly remove the inquiry linked to fraudulent activity without delay.

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 2024-02-07 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: Conn's, Inc.
State: TX

Complaint narrative:
My account and information were hacked by several companies. Last year XXXX XXXX XXXX, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 non-monetary relief
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NV

Complaint narrative:
I was reviewing a copy of my credit report and saw fraudulent activity on my account.

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 2024-02-07 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: DE

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app XX/XX/year> XXXXXXXX XXXX spoke with rep whom disconnected the called when informed I was inputting complaint XX/XX/year> XXXXXXXX XXXX  spoke with XXXX who refused to allow transaction to be completed although I verified it was me making transactions and would not waive XXXX to have money to go into my primary account to complete transaction with another company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: AR

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the recent removal of a charge-off from my account with Credit Bureaus XXXX This action has been taken without any prior notification or justification, and it has had significant adverse effects on my financial standing and credibility. 

I was informed that a charge-off had been applied to my account due to incorrect balances. While I understand the circumstances that led to this decision, I have diligently worked to rectify the situation and fulfill my obligations to Credit Bureaus. I have demonstrated my commitment to resolving the issue in good faith. 

To my surprise and dismay, I recently discovered that the charge-off has been removed from my account without any explanation or communication from your end. This unilateral decision has left me in a state of uncertainty and confusion, as it directly impacts my credit history and financial reputation. 

I demand immediate clarification and justification for the removal of the charge-off from my account. It is imperative that Credit Bureaus provides transparent and accountable reasons for this action, as it has far-reaching implications for my financial well-being. 

Furthermore, I request that you promptly reinstate the charge-off on my account unless you can provide compelling evidence and rationale for its removal. This matter must be resolved in a fair and equitable manner, taking into account my rights as a customer and the principles of accountability and transparency. 

I expect a timely response to this complaint and a satisfactory resolution to the issues raised. Failure to address this matter adequately will compel me to explore other avenues for redress, including seeking legal counsel and escalating this complaint to relevant regulatory authorities. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I walked into the bank to make a withdrawal since I received XXXX deposits : a paycheck and a XXXX XXXX refund. When I walked up to the teller, I asked to take off XXXX. First the teller asked me to verify my identity three ways, through Identification, the last four digits of my social, and through the phone. 
After I identified myself successfully he then proceeded to call his XXXX over, XXXX. She asked me to verify my identity again, after that she went to the back to get an I.D maker to check and see if my I.D was real. Once my I.D proved to be real she began to humiliate me even more in a bank full of people with the line out of the door. She states she's not familiar with my XXXX institution, or my place of employment. I was not allowed to get money out of my account, accused of fraud and humiliated. 
I called the bank immediately after leaving, and they hung up the phone. I then called Bank of Americas customer service immediately after.

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
A supervisor is never available and when you request a call back, your call is not returned. They still owe me a refund from PSLF. They have not updated credit reporting and my loans were forgiven XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.

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 2024-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Mailed letters on XXXX XXXX XXXX XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2024-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I have been trying to update my phone number on the account that I opened but have never used with Affirm and I have submitted all the documents they requested to confirm my identity since I am unable to remember what the phone number is that I opened it with or even when I opened it due to having health issues since doing so and they have escalated the issue twice now but still have not updated my phone number yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
the company called me to try to collect on a XXXX loan that someone applied for. I see there are some soft inquiries on my credit on XX/XX/2024 regarding this inquiry. It was not me. XXXX told me it was a $ XXXX personal loan someone took out using my info. They said they couldnt remove without a police report and want me to do the work to prove it wasn't me, when they should be proving it WAS me... however I have no need for a $ XXXX dollar personal loan. 

I need your help in getting this resolved before it damages my credit. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: FL

Complaint narrative:
Netspend sent a credit card to my address with a strangers name on it. They may have done so twice, since the XXXX XXXX XXXX application shows another piece of mail sent from XXXX Netspend to my address with another strangers name. Not sure if a scammer is using my address or if Netspend is the scammer, since they have a lot of complaints online. I tried calling them at the phone number on the back of the card, but the options menu did not seem to include talking to a real person or address 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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy reported on my credit file, Bankruptcy XXXX XXXX XXXX XXXX, is inaccurate and does not comply with the law. There was never a judgment, trial, or case associated with 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 non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Financed the car through Honda, I ended up losing my job of 12 years with Covid, my identity was stolen and I became homeless moving from places to places a I called Honda to see what can be done and they refused to help. The car is totaled and the reps are now calling me and greasing me to pay the balance when Honda reported already as charge off on my credit report. The vehicle that they are trying to collect on is totalled and I am requesting that Honda removed the negative reporting as they stopped collecting payments since 2019 its been 5 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm disputing these accounts due to identity theft, and despite other bureaus removing them, your bureau still reports them. Comply with the law ; remove these fraudulent accounts or face legal action.

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Im writing this to report that I have been suffering a lot of harassment in written communications and a lot of calls from Portfolio Recovery Associates , LLC to collect a debt that might be opened fraudulently. I have never signed a contract or paperwork with this company. I feel very very harassed since Portfolio Recovery Associates , LLC started to called me a lot of since XX/XX/year>. This company started to called me every single day from Monday through Sunday including Holidays. Calling me from 2-3 times a day. When the week was over, they started to called me again from Monday through Sunday at different times. They also called me on XX/XX/XXXX on Mothers Day. They used the spoofing to look that they are calling from a local number from my living area. The unusual thing that I found out about this annoying calls while they are trying to collect a debt is that they called from more than XXXX different numbers including different cities. Also, I received a letter on XX/XX/year> from this company where they are treating me saying that if I do not pay the debt on a certain date they will going to sue me, and that they will ask about a reward, and that I will have to pay for their attorneys fees. Portfolio Recovery Associates , LLC uses abusive, profane, and deceptive and unfair practices while they are trying to collect a debt. This company only cares about money without caring about harassing consumers. I also submitted a dispute about this account on XX/XX/XXXX through XXXX and I still getting calls from this company. Portfolio Recovery Associates , LLC. has violated my consumers rights and they have violated the FCRA and FDCPA laws, and they have committed the crime of harass me. So I demand the complete deletion of the account ( XXXX ) from Portfolio Recovery Associates , LLC that are appearing in my credit file from each of the major credit bureaus. 

Thank you for taking care about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I requested XXXX reimbursement that I paid on my student loans during the pandemic pause. Mohela added that XXXX  back to my total loan balance owed and Mohela is currently charging me interest off a total sum owed amount that includes the {XXXX}. It is now almost one year later from XX/XX/XXXX when I requested the money and I have never received the {XXXX Countless hours have been wasted with Mohela on hold and on the phone and they still are dodging the question of when they will process my request and send the money to me. When I spoke with a supervisor from Mohela on XX/XX/XXXX she told me the request is currently being processed in their " federal contracts department ''. Mohela is financially benefitting from charging me interest off a total sum that includes the {XXXX they will not return. I feel there is no recognition from Mohela that their delay in processing my request is harming me financially. There is no indication of why it is taking a year for them to process my request or how much longer it will take for it to be completed. In XXXX Mohela responded to a case I opened with the CFPB regarding this issue, saying they would " facilitate this process within the coming days '', but " days '' has not proven to be honest as Mohela continues to excessively delay. I am requesting Mohela quickly process my request for the XXXX and now return the interest they continue to generate off this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief