vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: OK

Complaint narrative:
I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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 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 non-monetary relief
Consumer complaint received 2024-02-12 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: OK

Complaint narrative:
I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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 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 2024-02-12 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: IL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MD

Complaint narrative:
I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MD

Complaint narrative:
I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

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 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I'm currently XXXX on XXXX XXXX orders, split across two XXXX periods, first published/dated XX/XX/XXXX, through XX/XX/XXXX. Aqua Finance is aware that there are two orders. Under the Servicemembers Civil Relief Act, I am entitled to a reduced interest rate of 6 %. Despite repeated communications with Aqua Finance since XX/XX/XXXX ( formal emails, I communicated with them prior ), the company has not consistently applied this reduced rate. Initially, my interest rate was lowered to 6 % for about five months starting XX/XX/XXXX, but I have not been compensated for the period before this adjustment when I was charged at a 9.9 % rate. Despite providing Aqua Finance with all necessary documentation and continuous follow-ups, I've encountered inconsistent responses and unfulfilled promises of callbacks. The failure to permanently adjust my interest rate and provide back pay for the overcharged period has led me to file this formal complaint. I am seeking a resolution that includes the application of the SCRA-mandated 6 % interest rate for the entirety of my XXXX  and a refund for the excess interest charged. It's important to note that my account has remained in good standing throughout.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: WI

Complaint narrative:
I asked the Credit Bureaus to investigate proper reporting regarding my Credit Report. However, I still see issues with my Credit Report. Transunion and XXXX are still reporting I had late payments with the following Student Loan accounts. This CFPB complaint ( # XXXX ) was previously fixed with XXXX on XX/XX/23, however is not reporting the same with the other Bureaus. I ask for them to remove the accounts entirely, or properly report they were paid on time and never late. 
Thanks, 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has my FICO score real low for all three credit companies my score through them is in the XXXX and XXXX and XXXX are saying my score is XXXX I called Experian today XXXX and the first lady told me I had to talk to the dispute office after I talked to them he transferred me back to member service I asked for a supervisor and she told me to shut up while she talking wouldn't allow me to explain what I was talking about she didn't want to her nothing I said I told her to cancel my membership because she was taking nasty to me and I did get mad and said something back to her cause she going to say to me they FICO by your FICO score they make decisions off different reasons like I don't know how the FICO score works I just need my scores to be where they supposed to be so I can handle everything I need to do this is very frustrating because it looks like I didn't fix my credit please I really need it fix 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 2024-02-12 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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
Earlier, I filed a complain regrading how amex issue and authorize me for two XXXX XXXX platinum cards. After signup for both, I was never able to access the account that I never used that card myself being totally unaware, was decided to be charged for the annual fee. I paid the remaining balance which my roommate made purchases with ( without my knowledge ). When I updated and informed them with that. They still decided to charge me the annual fee keeping the so called " balance ''. I have decided that I'm NOT going to pay that annual fees as is it totally unfair practice on the amex side. I've never had balance on ANY of my cards ever. But today, I had it all, I tried using my other cards which were ALWAYS paid on TIME ( AND NEVER MISSED A SINGLE PAYMENT ), it got declined saying I had balance on some account. 

So moving forward, I am writing this to you CFPB, if you are so called decision making authoritative organization. If you have any power try to reach them out any get it resolved, if not I won't be paying any balance on any amex card and would NEVER be their customer! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-12 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and have been serving on XXXX XXXX since XXXX. I researched the Citi XXXX XXXX XXXX XXXX XXXX, and read everywhere that XXXX XXXX military members were eligible to have annual fees waived. Through several engagements with Citi 's XXXX XXXX XXXX, I've been denied coverage under both the Military Lending Act ( XXXX ) and the Servicemembers Civil Relief Act ( SCRA ). 

XXXX XX/XX/XXXX : Applied for Citi 's XXXX XXXX XXXX XXXX XXXX card. 

XXXX XX/XX/XXXX : Received and activated the card. Emailed Citi 's XXXX XXXX XXXX requesting my annual fee be waived under the XXXX. Provided information from the XXXX XXXX XXXX XXXX verifying my status as an XXXX XXXX military member. 

XXXX XX/XX/XXXX : Received response from Citi denying request to waive annual fee under XXXX. 

XXXX XX/XX/XXXX : Called Citi 's XXXX XXXX XXXX, who stated I was not eligible to be covered under XXXX and could not have annual fees waived. I asked to cancel the card. The technician transferred me to an account management member, who reviewed my case and told me that wasn't accurate. He transferred me to another XXXX XXXX XXXX member who informed me that my social security number was incorrect on the account. He corrected it and submitted XXXX requests to have my annual fee waived since I'm an XXXX XXXX military member : XXXX under XXXX, and one under the SCRA. 

XXXX XX/XX/XXXX : Received response from Citi denying second XXXX request. 

XXXX XX/XX/XXXX : Received letter from Citi denying SCRA. 

On all denial responses, Citi has stated that because the card was opened after I came on XXXX XXXX, I was not covered under either the XXXX or the SCRA.

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 monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Personal accounts at Chase have been breached several times. Even with multi fraud alerts, over 100 unauthorized charges on XX/XX/24 and XX/XX/24 were processed totalling just under {$19000.00}. I never received the card used but a PIN was used and I was not told what the number was. But because a PIN was used, Chase says it equals permission and my fraud claims were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: 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 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 2024-02-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
Institution Name : Discover Bank Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : United States XXXX XXXX : XXXX Phone Number : XXXX Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


I invested in a {$10000.00} Certificate of Deposit XXXX with Discover Bank at 5 % interest for 12 months. On XX/XX/2024, I notified Discover that I wanted to roll over the CD and put the {$410.00} in interest towards credit card debt with Discover. They said this was possible but that I would have to be sent a security code to my phone to verify my identity. I live in XXXX XXXX most of the year and do not have a dedicated US phone in my name. They would not send the code to the email they've had on file for years. I was not a happy customer and then told them to close out the CD 30 days earlier than maturity and wire transfer the funds to the same XXXX XXXX XXXXXXXX account in my name that they had received it from. I was told again that I needed a phone security code. Discover would not send it to my XXXX XXXX phone. My sister in NC has my power of attorney, is my US address and phone number. This was refused because the phone was not in my name. I asked for and never received a copy of Discover Banks policy of needing a US phone to receive a Security Code. I then went through a 3-day resolution process of furnishing Discover copies of my current US passport , US Merchant Document, W2 and IRS 1040 Forms. Initially I was told I receive {$370.00}. interest and the wire transfer fee waived. When I finally received the wire transfer it was for {$10000.00}. When I tried to access my online account or called customer service I was told once again I needed a security code. 
How can your complaint be satisfactorily addressed? 
Discover Bank send a check to my US address on file for {$190.00} and add a disclaimer to CD customers that expatriated US citizens will not be able to use a foreign phone for security codes. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation