vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unauthorized inquiries from my credit report. Despite my persistent efforts and multiple communications with your institution, these unauthorized inquiries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these unauthorized inquiries. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the unauthorized inquiries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the unauthorized inquiries continue to negatively impact my credit report. These unauthorized inquiries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of unauthorized inquiries on my credit report have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit report. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all unauthorized inquiries be promptly and permanently removed from my credit report, and that measures be implemented to prevent any recurrence of such unauthorized inquiries in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the unauthorized inquiries on my credit report. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to remove these unauthorized inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) 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 seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
XXXX XXXX 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 2024-02-29 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: NM

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I believe this account is a fraud. Please see attached XXXX - XXXX SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I believe this account is a fraud. Please see attached XXXX - XXXX SERVICE 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 2024-02-29 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: NAVY FEDERAL CREDIT UNION
State: ND

Complaint narrative:
Navy Federal continues to inaccurately report a car loan on my credit report for a completely different vehicle than the one I actually paid for with the loan. Not only that they report this loan on XXXX XXXX. Navy Federal also reports an unpaid credit card that due to identity theft had unauthorized usage which was communicated with NFCU. I am asking that Navy Federal remove these inaccurate information and statements from my credit file. Also Navy Federal has been given all documentation to verify my statements. Also Navy Federal needs to provide me with original loan documents for a XXXX XXXX XXXX VIN # XXXX mileage XXXX which was purchased from XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XX/XX/XXXX for {$5500.00} on which was paid for on a loan and a check was drafted off of Navy Federal for {$5500.00}. I am attaching a loan document from Navy Federal which informs me that the loan was for a XXXX XXXX XXXX. I am asking for the same document for the XXXX XXXX. If Navy Federal cant provide it then both incorrect, false, misleading, and inaccurate reports must be deleted off my file and they must cease at once to continue reporting false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: UT

Complaint narrative:
I contacted Mohela about my Federal Student loan being in forbearance due to My Borrower Defense Application School : XXXX XXXX XXXX XXXX XXXX ( The ) was Approved of Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement, which I received a letter and email on XX/XX/XXXX confirming my approval for discharge of my student loans. Therefore I should be under forbearance and the interest should also completely be stopped until I receive relief. Mohela has taken my federal loan off forbearance which is a violation of the settlement agreement. I contacted Mohela and they informed me to contact the Borrower Defense Hotline at XXXX. I contacted Borrower Defense, which they have informed me that federal loans are to be in forbearance and let me know to fill out a General forbearance form to the Federal Student Aid. which I have done so far on XX/XX/XXXX. 

According to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXX XXXX XXXX ( The ) ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). This was to be completed before or on XX/XX/XXXX, Which the loan Server Mohela, Federal Student Aid, and the Borrower Defense failed to complete the settlement agreement by court order to discharge my loan, remove credit reporting of the loan, and refund payment made on the loans.

Main Concern : ( 1 ) Failure to effectuate relief by the applicable due date.

( 2 ) Violation of assurance regarding forbearance or stopped collection status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: MS

Complaint narrative:
I opened a credit card account in hopes to better my credit With First Digital credit. I dont believe Ive XXXX and terms or conditions. I made a error by paying my full balance which prompted an alert on my account which restricted my account. They want me to provide statements on account that has been closed checking account and no longer have access. They are taking me through very difficult obstacles to unrestrict.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have no idea how but the hacker or scammer log in to my chase account and use my information to get loan 's

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
I recently reviewed my TransUnion credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on 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 2024-02-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I'm new to venmo. I had someone send me money and venmo froze my account. I understood and submitted my driver 's license as they requested. 

The same person was going to send money again and I paused and called venmo to make sure my account was good to receive. They said YES my account is perfect to send or receive money. 

Right when the same person from before went to send money, my account my frozen again!!! I spoke to multiple supervisors who promised me that it would be taken care of within XXXX hours and that did not happen. 

I have been lied to multiple times by supervisors, XXXX XXXX. And XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am trying to view my credit report and Trans Union have my report blocked. I have not been able to review my report since XXXX of 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 2024-02-29 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: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

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 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The company sent me a document with a photoshopped signature that was not the signature of me the agent, principle and living soul. They refuse to send me original documents and validation to proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-29 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: DE

Complaint narrative:
I have over the years of qualified payments proven for student loan forgiveness. They are displaying inaccurate information on my Mohela account. Customer service has escalated my case multiple times over the past year without any response from Supervisors or the Advanced department. I am also in a Forbearance until rectified but they simultaneously have me in debt collection saying I missed payments when I have proof of being in Forbearance. I have over XXXX years of Non profit work as an XXXX XXXX XXXX XXXX XXXX areas. Everyone around me with the same situation and years have been forgiven and I am still not. This company has continued to drop the ball and I may need to seek legal support after dealing with this for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV & Resurgent did not provide the proper validation that I asked them to send me. I disputed this last week and received a notification saying that I am complaining about the same thing. It isn't a duplicate dispute. I never received any documents or contracts of any agreements with LVNV or Resurgent certified mail. I asked for the companies to provide each step and the proper steps of validation. The process of who they talked to, to validate the deb, original contracts of any sort. Who you talked contact and the persons address and phone number you talked to that provided this information. I have a screen shots of the accounts dated active on XX/XX/2024 I will be attaching them along these dates are incorrect of any activity. I was never given any proper notice via certified mail of no documents whatsoever. There's several issues going on here and it seems fishy and fraudulent of this company denying me the proper validation, any contracts. I have no activity with this account nothing at all. Date opened where was this and what application? Please provide any and all contracts to open this account. Provide legal and proper validation of person place time I applied for account listed on my consumer report.

Company response to consumer: Closed with explanation