vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately! 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( CHILD SUPPORT ENFORCEM ), has violated my rights. 

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 permissions and instructions.

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 2023-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I emailed XXXX XXXX my 60 day notice that we was moving out in XXXX We found a new apt in XXXX and XXXX XXXX acted like they never received the notice so my wife forwarded them the email and they released our info to the new apts office In the beginning of XXXX they gave us a statement of the balance we owed I wrote a check and thought that was it.fast forward to XX/XX/XXXX I checked the mail and got a collection notice saying I owed them {$680.00} I called them and they claim they didnt have any way to contact us because a new property group took over and claim I didnt give them a 60 day notice and basically added on more charges that wasnt initially added to our original move out fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have filed a fraud claim on my account 3 times and it keeps being denied by TD Bank 's fraud dept. My purse was stolen on XX/XX/23. I contacted TD bank that morning to let them know my card was stolen. I checked my account right before I called to see if my card had been used. My card was used in XXXX XXXX XXXX which is 3 hrs away, I was at a different location ( 3 hrs away ). The card was used back to back without a pin and put my account into a negative. I sent TD bank a police report. 
The claim was denied because i logged in around the same time the card was used. They should be able to tell that when I logged in I was at a completely different location and I called them right away to report the card stolen. 
Then it was denied for " card was not utilized after you notified us to close the card. '' That doesn't make sense. Of course card couldn't be utilized if I reported it stolen. I called TD bank for an explanation and was told that there was no further information. They have not given me any proof as to what evidence was used to come to the conclusion that an error did not occur and that these charges are mine. 
I have never used my card in XXXX XXXX XXXX, or a XXXXXXXX XXXX XXXX. No pin was used. Card was used back to back ( red flag ) I was 3 hrs away when charges occurred. I provided a police report. My account did not even have sufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase place the amount of for {$3500.00} back to my account and said it was my responsibility when it is not they advised phone verification was done and this is because we were hacked and sent text messages we thought from chase and believed to be the cammers or fraudsters and was completed on XX/XX/. We confirmed that an over-the-phone verification was completed by text message to your phone number ending in XXXX. You are welcome to provide additional documentation for reconsideration of your fraud claim. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 

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 permissions and instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 

1

5 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 permissions and instructions.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My current student loan servicer is MOHELA. I received an email from MOHELA on XX/XX/2023 that instructed me to call in to discuss available options to bring my account current. Since that time I have called MOHELA several times, including 3 times on XX/XX/2023 and once on XX/XX/2023. Between these phone calls I have been placed on hold for over XXXX hours and each call resulted in the line being disconnected rather speaking to a representative. Their automated phone service says that I can arrange to get a call back rather than waiting on the line, but I tried this several times and never received a call back. I also tried to call MOHELA earlier than that, on XX/XX/2023, which was not successful after I was told the hold wait time would be over XXXX hours. I find this to be an outrageous use of my time. I work full time and the time I can not afford to be on hold for over XXXX hours. It was MOHELA who instructed me to call them, and yet they do not appear to answer phone calls. They also provide no email address for communications. They are telling me they are sending debt collectors but I have had no opportunity to speak with someone about my issue ( which, on a separate note, appears to be that the payment was sent to the wrong account )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists TransUnion XXXX and XXXX continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these 3 bureaus... 

XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX TransUnion XXXX XXXX {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond

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 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had an XXXX XXXX Credit Card. I was advised timely that the card will no longer be active due to the bank no longer supporting the credit card. On XX/XX/23, I paid my card balance of {$2200.00}. At that time, I was notified that my card was closed ( however, I was advised it was closed in XXXX ). I shredded my card and cancelled the ebill ( I received billing statements online through my bank ). 

I received an email on XX/XX/23 advising me that I had a past due balance, however, I did not receive a bill or any type of notification prior to that date so I couldn't have known there was still a balance ( at that time it was around {$11.00} ). The bill was for {$24.00}. However, I was advised that my balance to pay the card in full was now {$26.00}. So I was charged {$13.00} for finance charges as well as a late fee. After speaking with a Supervisor at XXXX, I was advised that she couldn't waive anything since the card had been closed stating she could not override the system. Funny, the " system '' was still able to charge me a finance fee and late charge. 

I always paid my bill on time and paid the entire balance off with no mention that there could still be finance charges. I have paid the balance of {$26.00} so my credit will not be affected. 

I know {$26.00} is not a lot but it is the principal of the matter. How can you charge a finance fee on a zero balance and not send a billing notice until it's showing as past due, and then charge a late fee on top of that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i reachout numerous times to XXXX transunion XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i reachout numerous times to XXXX XXXX equifax about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
the constant mismanagement of student loan debt. I have had XXXX, XXXX XXXX among with others and now passed on to them who are doing the same XXXX

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