vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/24 - MOHELA put my student loans into forbearance while they checked to see if there were any benefits I qualified for with the SAVE plan. I never requested or authorized the forbearance. 
XX/XX/24 - I was notified that my loans were going back into repayment and {$37000.00} in interest was going to be added to my principal balance as a result of the forbearance. 

I did not request or authorize what MOHELA did. I have never missed a payment and have included screenshots showing my balance in May ( prior to the forbearance ), proof of the forbearance notification, and the repayment letter where the {$37000.00} was added to my principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

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 2024-06-30 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: The Accounts Retrievable System, Inc.
State: NC

Complaint narrative:
I have a credit inquiry that I did not authorized to have my credit pulled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have two instances of late payment being inaccurately reported on my credit file without my express consent in violation of 15 U.S Code 1666b.

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 2024-06-30 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:
My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX which closed my account 3 days after opening the account they notified me of information that XXXX reported a XXXX XXXX account was opened fraudulently also a XXXX XXXX XXXX a XXXX XXXX account and a XXXX XXXXXXXX XXXX credit card and a XXXX XXXX  checking account and a XXXX XXXX  credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX  which closed my account 3 days after opening the account they notified me of information that XXXX reported a XXXX XXXX  account was opened fraudulently also a XXXX XXXX XXXXXXXX a XXXX XXXX account and a XXXX XXXX XXXX credit card and a XXXX XXXX  checking account and a XXXX XXXX credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I requested my credit report from all three credit reporting agencies and only XXXX provided me with the report. On XX/XX/year>, I received a message from XXXX XXXX and the message stated that it located my file, update my telephone number and that I would receive my XXXX XXXX report in the mail within 7 days. Equifax has provided me with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
I see inquiry on my credit from this company that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
I have a credit inquiry that I did not authorized to have my credit pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
I have a credit inquiry that I did not authorized to have my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Carvana Group, LLC
State: NC

Complaint narrative:
I see a credit inquiry from this company that I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I see a credit inquiry from this company that I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: PREFERRED CREDIT INC
State: NC

Complaint narrative:
I see a credit inquiry from this company that I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I see inquiry on my credit from this company that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Follow up to FRAUD CHARGES on XXXX Synchrony XXXX XXXX account. 
XX/XX/year> Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. 
As I have stated before I was at work when the charges were made and my badge entry key is listed below. 
The XXXX 's XXXX receipt is listed below. This proves my case. If I purchased a XXXX  in XXXX, with a warranty, why would I need a XXXX 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, XXXX and XXXX reviews.

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us bank said I took atm withdraw about XXXX XXXX when I had my card under my head .so I dispute it and they said I did take the XXXX out of my account and there nothing else I could do this was back when XXXX was going XXXX XXXX XXXX. I could that same day money got took out and at my house and told them why would not even be home if I get a XXXX draw from XXXXXXXX XXXX what

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My dispute has been closed and denied multiple times with no investigation or documents used to deny Claim being provided after requesting. I had same transactions on my XXXX XXXX and that Claim was approved. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$9500.00} Chime XXXX XXXX  Date Amount Merchant XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$20.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX {$500.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$70.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$6.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$65.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$3.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$80.00} XXXX XXXX XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX. XXXX XXXX {$30.00} XXXX XXXX XXXX. XXXX XXXX {$29.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$120.00} XXXX XXXX XXXX. XXXX XXXX {$180.00} XXXX XXXX XXXX. XXXX XXXX {$72.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, I Previously sent Transunion a copy of my government ID, Social Security Card, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending Transunion these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. Transunion is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
About a couple of months ago I saw that XXXX XXXX had replaced the status back on the website to make payments, Ive told them more then once I was not in good health and not working like I was, to this day I am still not working. I have my XXXX XXXX card with them as well and have been trying to get that paid off as much as I can but the interest rates are more than the minimum payment at times. They only kept that up on the website for XXXX month, when I went to try and pay even {$25.00} towards it they already pulled it down. And closed it once again. 
There messing up my credit thats a fact. They also sent me to collections now to Radius Global Solutions llc in XXXX XXXX. 
If I had the money I would be paying on the bill but again due to my health I am currently not working enough to even pay that fully off. What I bring in no one on the outside would be able to live off of it. So I am disputing the XXXX XXXX on my record they have really messed up my credit. And ever since I have opened up the cards to even establish credit it never went up even thought at the time I paid on time I paid it off or full they charged me twice before for XXXX  and I ended up paying on that twice. Which was XXXX and I disputed that second charge with them as well. So XXXX  XXXX is the worst credit card company ever they just XXXX people and the interest rates are extremely high. Again the collection agency they sent me to now is called radius global solutions

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 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Follow up to FRAUD CHARGES on XXXX XXXX XXXXXXXX XXXX account. XX/XX/XXXX Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. As I have stated before I was at work when the charges were made and my badge entry key is attached. 
XXXX XXXX finally responded to the complaint. That information is also attached. 
The XXXX XXXX XXXXXXXX receipt is listed below. This proves my innocence in this matter. I purchased a battery in XX/XX/XXXX, with a warranty, why would I need a battery 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, Synchrony, XXXX and XXXX reviews.

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 2024-06-30 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: CA

Complaint narrative:
I am a victim of identity theft, I Previously sent XXXX a copy of my government ID, Social Security XXXX, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending XXXX these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. XXXX is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
I am a victim of identity theft, I Previously sent XXXX a copy of my government ID, Social Security Card, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending XXXX these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. XXXX is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

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