vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NV

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and REMOVED on my credit file. 
XXXX XXXX XXXX XXXXXXXX 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 2024-03-15 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : 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 2024-03-15 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 2024-03-15 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: FL

Complaint narrative:
On XX/XX/2024 I sent a statement requesting a verification or proof of the alleged debt accounts and a copy of the original agreement signed by all parties involved related to many fraudulent accounts reported on my credit report. I have sent many requests disputing those accounts since I have been a victim of an Identity Theft. 
My information was sold and bought illegally because I was a victim of the Equifax, XXXX XXXX XXXX XXXX data breaches. After disputing many times with XXXX, Equifax and XXXX these accounts are continuing to be verified confirming that these accounts are my responsability. The accounts disputed with the credit bureaus are : 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 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 2024-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
told them to give me the original contract and signed contract by me, and debt validation letter by original company creditor. 
proof of the debt was sold and paid for in XXXX in XXXX. 
in code violation. 15 USC 1692c ( a ). XXXX XXXX XXXX is a company that is trying to collect a debt from me. stop and return my house. 
15 USC 1692 c ( a ) the payment was made in full in XXXX, XXXX in the original creditor. and paid in full. 
15 USC 1692d ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  property : show the original contract : show creditor info of the first contract : show Payment of history of the first contract that I signed. : proof of of ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an electronic Amex gift card from a friend and have been trying to use it at various retailers. I have called for assistance twice. 
The first time, the representative promised to look into it and get back to me, but never did. The second representative just suggested that I go to stores in person and punch in the card numbers. That is not even possible. No stores allow you to do that. 
The guy mentioned listing some ban on XXXX and that it should work in 24 hours. Then when I asked further questions about why there would even be a ban on websites that he would need to lift, he proceeded to say if you are speaking I cant hear you. And Ill be hanging up. He spoke over me 3 times and then hung up and did not bother to contact me. 
At this point I have {$2000.00} stuck on a card that I can only use at very random places. I am now just trying to spend money on any site just to be able to get the card to work. 
I dont think its right for Amex to sell gift cards that can not be used at most online retailers. They also dont give you an option to switch to a physical card or get your money back. 

In my screenshot you can see that I have more than enough funds to cover the purchase on XXXX, yet the transaction wont go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from XXXX. As such I have requested that XXXX delete the late payment on this account due to not providing me with any evidence that I was late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: LA

Complaint narrative:
XXXX XXXX keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. XXXX XXXX XXXX called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. XXXX XXXX XXXX called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from XXXX. As such I have requested that XXXX delete the late payment on this account due to not providing me with any evidence that I was late on this 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Trying to use XXXX XXXX and they say XXXX XXXX has placed a block 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been checking my reports and my consumer law rights have been repeated violated. after chasing down my worker from the XXXX for answers or correspondence from XXXX, it took her XXXX months to give me an update to my case. I emailed her multiple times. I never received anything from the bank or the XXXX XXXX. They are reporting open accounts on my credit file that are not open. I do not have any lines of credit open with them at all. They are reporting an open balance on these accounts with past due balances beyond XXXX  days. Then on the same report, another account with the same credit union a closed account with a past due balance. I never received a notice of sale or deficiency notice as required by law. They emailed it to my XXXX representative but never sent it to me as the consumer of the supposed debt. This violates the FCRA and Fair Debt Collecting Policies to help protect consumers all over our nation. The XXXX XXXX XXXX and her loan XXXX XXXX XXXX has forged documents to send to the XXXX which shows incorrect balances after the private sale they had at the bank. I also received a letter stating that XXXX sent me a letter regarding closing my credit card account that was never given to me, mailed to me, or emailed to me. I requested proof of the sale price to show the deficiency but the bank refused to produce this information even after asking. This is completely ridiculous and banking practices like this cause consumers of XXXX to really think about unfair banking and discrimination. if you look at the deficiency letters, they address me at the top but do not have a date on the letter. How and when was this sent?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: LA

Complaint narrative:
United auto keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. United auto credit called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I was made aware my payments to Nelnet student loan servicing were due to them on XX/XX/year>. My payment due date is XX/XX/year>. Upon attempting a long in to my account and call to the servicer on XX/XX/year> to ensure an on time payment ; I was dually made aware that due to " planned maintenance '', not communicated through mail, email, telephone, or personal contact, that their services were not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX erroneously flagged my accounts to the consumer credit reporting companies. XXXX XXXX notified me a " skip can not locate '' alert appeared on my credit report and Experian notified me, " XXXX XXXX XXXX has flagged your account as Not Paying Off Your Balance and Can not be Located on XX/XX/2024. '' I am currently on an income driven repayment plan and my monthly payments are XXXX XXXX I called XXXX to discuss why I was flagged as a " skip '' account as I have never missed a payment and recently received mail correspondence from them dated on XX/XX/2024 with the total amount due {$0.00} ( please see attached ). The representative informed me the address they had on file was not correct- the address she provided I told her was in fact correct and has never changed. I additionally told her I have been receiving their mail correspondences. She then opted me into paperless option. The measures XXXX took for an account that was not delinquent were very extreme. My credit score plummeted into the XXXX and my FICO score dropped consequently. I filed a complaint through the XXXX and XXXX responded via their portal in my messages with the attached " personal letter ''. They agreed my payments are {$0.00} and still will not correct the errors they made. My account has never been a delinquent account and my address has never changed. I am an extremely responsible consumer and always pay my bills not only on time, but in advance. My credit score was almost XXXX prior to this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX  XX/XX/XXXX my Credit karma account was hacked. I received a call from credit karma advising someone was trying to apply for a XXXXXXXX XXXX XXXX XXXX and to verify if I approved it. I advised I did not approve and they advised they would send a code to my phone to enter. I entered the code they sent and they advised that it was incorrect and the call ended on their behalf. About XXXX minutes later I received emails stating that my password, email address and phone number was changed and to contact them if I approved these changes, I called the company and told them I didn't approve this. I tried to update my information from my app, but I couldn't. I got onto a desk top and the user name that my account was changed to came up when I pulled up credit karma on my desktop. I don't know if this is because I have my setting set to remember user name. I was able to get back into my account logging in with the last XXXX of social and the email that it was changed too. I get into my account and there is an international charge of XXXX to a company named XXXX. I XXXX  XXXX and they are in XXXX, I also tried to contact XXXX, but due to that I don't have international calling my call attempt was unsuccessful. I advised credit karma of what was going on and advised them I was also able to gain access back to my account again, but the charge needed to be disputed. We disputed the charge, 2 days later my account was frozen. I received my direct deposit and can't access it or transfer it to my other linked account. Right now I have bills that are late because I can't get to my money, I am racking up late fees and I have contacted this company over XXXX times and still no help. I received and email 2 days ago asking for my ID and a selfie of me and I still have not gotten any help. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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