vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXX XXXX  ) /XXXX  XXXX XXXX XXXX XXXX This account is being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BetterNOI, LLC
State: SC

Complaint narrative:
I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
Company is using a tactic saying I owe them money in which case I don't. XXXX it was assigned to XXXX XXXX XXXX which i never set up a contract or signed any document with them. I don't not even know who is Unifin, Inc because i never signed an agreement or contract with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-28 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: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX XXXXXXXX deposit a check and to my cash app app account ending in XXXX check was never received people at Cash app said they dont have it or they dont see it. They said that they would do an investigation for XXXX days and I hear something its been 10 days. I havent heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT INQUIRIES ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

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 2024-10-28 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: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT ACCOUNTS ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

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 2024-10-28 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Issue # XXXX- Wells Fargo enrolled me into an Identity Theft program, without my consent, on 13 different occassions between XXXX - XXXX. Mediation and pre-mediation offers were only provided for XX/XX/XXXX claims. 

The remaining claims ( XXXX, XXXX, XXXX, XXXX, XXXX ) have NOT received pre-mediaton offers and Wells Fargo will not provide an explanation as to why no pre-mediation offers were made. They claim this is proprietary information. 

Issue # XXXX - Claim numbers XXXX and XXXX were incorrectly documented as " duplicative '' on XX/XX/XXXX by the specialized care team, although the executive office determined they were legitimate claims.

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 2024-10-28 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: TX

Complaint narrative:
The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.

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 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
My loan was recently moved from XXXX to MOHELA. We were told our plans would remain the same, but since I was paying interest only my new bill is now almost {$100.00} higher. This is largely due to XXXX suddenly doubling my interest rate claiming prime rate hikes last year or so ago. I was in grad school and they immediately doubled my rate after graduation when my loans restarted. 

When I called MOHELA today, XX/XX/XXXX, I received a very unhelpful customer service rep. She said XXXX is still the owner of my loans and even over XXXX Navient reps are now working the loans for MOHELA. If the Consumer Financial Protection Bureau has cited XXXX has " abused students '' in their recent ordering of Navient to not handle loans anymore, then why are Navient people still working my loans? The abuse just continues. 

When asked for repayment options, I am only provided an interest only option when previously I qualified for a rate reduction- which was just my normal rates before XXXX increased them. When I asked why I was unable to receive the interest reduction she started citing I received it back in XXXX and more and it only lasts so long, etc. I have no forbearance or other help because Navient misguided me for years on repayment options- a well known issue. Additionally, I asked why my rate has not been reduced to reflect the rate cuts in XXXX. I was told " it takes time. '' My credit cards and anything else based on the prime rate were cut immediately. Two months later and still a XXXX and 11 % interest rate, which is absurd! But I keep receiving refinance options from XXXX, so they can help if they want to, but only if you take a hit on your credit to reduce your loan burden. 

I was told I could call back in XXXX and see what options I have, that is varies month to month. Why is it so hard to get help and why does it vary month to month? My federal loans are not this hard. 

Furthermore, I can not get my stepdad from when I was XXXX off of these loans as a cosigner without jumping through hoops. Because they keep putting me on interest only, I can't " qualify '' to get him removed even after making qualified payments because it has to be 12 months consistently and subject to yet another credit check. 

This is hurting student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-28 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:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX 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

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to file a complaint regarding the handling of my secured credit card account with Capital One. 

On XX/XX/year> I paid the entire balance on my secured credit card account, including all outstanding fees. Shortly afterward, the account was closed by the issuer. I expected my security deposit of {$200.00} to be refunded promptly, as my account was in good standing with a XXXX balance upon closure. 

However, despite my payment, Capital One has informed me that I will have to wait XXXX to XXXX billing cycles ( up to XXXX days ) to receive my deposit refund. I find this delay unreasonable, as there are no outstanding obligations on the account. Additionally, I have been unable to reverse the final payment, as the account is now closed. 

I have requested a written confirmation of my refund and a timeline, but the responses I have received from Capital One have been vague and unhelpful, and I feel that I am not receiving the customer support I deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation