vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: AZ

Complaint narrative:
I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX XXXX and for XXXX XXXX XXXX in. The last week, also a dismissed XXXX XXXX XXXX from XXXX that isnt suppose to be on because never finished and reported incorrectly

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 2024-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
While currently still the US Bank accounts i had with them still are sending notices that there are transactions still posting to those accounts and have yet still to XXXX me the opportunity to see the deposits and no longer text or email when there's been a transaction.

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 2024-08-04 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-08-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: IL

Complaint narrative:
Now that Experian has corrected the understandings that the consumer closed the credit cards with XXXX that Experian must acknowledge their faults of applying a hard evaluation resulting in lowering of the XXXX XXXX was incorrect because XXXX only denied the credit cards due to previous promotional periods does not allow the consumer to open new credit cards until the waiting-period ends. 

Experian should correct the XXXX XXXX per the XXXX lowering the XXXX XXXX only upon confusion that XXXX did not recognize the denial was not the fault of the consumer but only due to the promotional period hold. Experian wrongfully believed any denials of XXXX credit cards equals a lower XXXX XXXX because Experian could not figure out why XXXX would deny credit. XXXX promotional credit cards would not successfully be connected with Experian to showcase previous credit card closures was due to the consumer closing credit cards as if the consumer is trying to signup duplicate promotional plans is a fault against the consumer. XXXX credit cards should not be resulting in lowering of the XXXX XXXX if closed out and signing up for a new chase promotion would deny eligibility only because all chase promotions are connected as if there is a promotional-waiting-period to utilize XXXX credit cards again. Because Experian believes this is a XXXX XXXX conflict that the user would be wrongfully blocked from applying for other credit card applications other than chase. 

Experian needs to correct the XXXX XXXX on this CFPB Complaint per the wrongful decline of the XXXX XXXX is only attributable to XXXX promotional credit card-holding-period and not due to the fault of the credit history as if the consumer is wrong for signing up for XXXX credit cards and ending the credit card after achieving the promotion.

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 2024-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creitors have violated my rights under : 15 U.S.C 1681 section 602 A. states I have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have contacting the credit bureaus multiple times to update my address

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 2024-08-04 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: TX

Complaint narrative:
Today I received an email from AMEX telling me I need to may an extra payment in 4 days or they will decline purchases and reduce my credit limit. They did this to me last year and I made the extra payments, but I believe this activity to be unethical or possibly illegal. My accounts are not past due. I make my payments on time every month. They need to be held accountable for strong-arming customers who are already dealing with financial stress. If I didnt have to use my credit cards right now I wouldnt. I do not want to but my husband and I have been unemployed for some time and only recently found jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX. XXXX, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers XXXX prohibited acts, including : Producing or transferring false or unauthorized identification documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela addressed the inappropriate interest capitalization event in which they capitalized {$100000.00} during the switch from old Mohela to new Mohela. I received an apology letter thanks to CFPB. In that time frame, I also asked them to revert my payment back to the XXXX value prior to the inappropriate request for income recertification. In XX/XX/XXXX they asked me for an income recertification ( the first request since payment pause in XXXX ). I submitted mine in late XX/XX/XXXX. The federal government then extended the deadline to XX/XX/XXXX. They also said ( see below ) that anyone who was inappropriately asked to recertify their income could cancel that increase and go back to their old payment amount. Mohela did not return me to my prior payment amount. Since XX/XX/XXXX, my payments have been {$400.00} a month more than they should be. I requested on XX/XX/XXXX that they revert me to my old payment before the inappropriate income recertification. Their initial response was that I did not fit this criteria. I read the policy to them. They still said no. Then I asked them to find their policy on it and read it to me. They read the below policy from the XXXX XXXX XXXX website. I said the policy applied to me and they finally agreed. Then they said they would need XXXX weeks to change my payment amount back to the old amount. There has been no change to my payment amount and no communication back from them. I have sent messages and called to no avail. 
Appreciate your help. 

Fed student aid explanation here : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: AZ

Complaint narrative:
I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX XXXX in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly

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 2024-08-04 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: AZ

Complaint narrative:
I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX with in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so, the debt collectors broke the rules laid out in 15 USC 1692g. This means they needed to properly validate the alleged debt they claim I owe. They're supposed to provide evidence that the debt is real when asked, but they didn't. This violates my rights, tarnishes my reputation, and adds to the stress of dealing with them. According to the FDCPA Im entitled to {$1000.00} dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX8 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents

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 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Horrible debt collection service. Will not stop calling. Every single day, multiple times. Synchrony Bank. Please get them to stop harassing me. This is EVERY single day call, weekends, nights, mornings, they do not stop. Enough is enough.

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 non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I submitted a complaint to receive an application for the XXXX XXXX XXXX. I qualified for an application, however, was just sent a denial letter with no explanation on why I did not qualify. 

Not only was another XXXX my loans from Navient, from the same school and same XXXX XXXX, part of the XXXX settlement, I provided email evidence of how the school presented XXXX XXXX as the preferred lender to their students when applying for financial aid through the XXXX XXXX employees. 

I do not see how my loan would qualify for the XXXX settlement, and this one not be granted relief through borrower defense. 

The only reason this loan was not part of the XXXX settlement is because I had a co-signor and based on the XXXX terms, my loan did not qualify due to the CO-SIGNORS XXXX XXXX. However, Navient allowed the CO-Signor to be waived by paying $ XXXX towards this loan to have his name removed from the loan. Navient made this decision despite the proof of income I showed as a single mother. 

So, XXXX XXXX and XXXX XXXX allowed a loan to be taken out only because of a co-signor, and because of that co-signor the loan was not part of the XXXX XXXX, but not the co-signor is removed, which was the only reason it did not qualify for the settlement. Because all other claims in that lawsuit were for preferred lender status and giving our subprime loans knowing the borrowers could not afford to repay those loans. 

If my borrower defense application is being denied solely because the co-signor just paid $ XXXX and they would need to return those funds, I am asking for an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

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 2024-08-04 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:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

( XXXXXXXX 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
Repeatedly requested reports from LexisNexis for a full consumer report but repeatedly get a response that my identity can not be verified, even after providing copies of identification.

Company response to consumer: Closed with explanation