vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2024-03-13 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: NY

Complaint narrative:
I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I took loan from Mariner Finance. Due to loss of income in house this loan wen past due. In XXXX this account was moved to collection/ Lawyer. 

I dealt with Law office and paid past due amount in XXXX and since been making payment with law office. 

Company is reporting this loan in collection instead of paid as agree. 

I called XXXX office - as suggested by their lawyer- and are not ready to listen or make changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
XXXX and Equifax have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from XXXX, Equifax reports I have hired a professional company however the credit agencies are not compliant. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : EQUIFAX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Incomm Holdings Inc.
State: MI

Complaint narrative:
Bought Vanilla Gift Card from XXXX in XXXX of XXXX. Card was locked. Finally had card unlocked and it had been used at a XXXX XXXXXXXX store. I reported this and they locked card and said they would investigate. Contacted them today on XX/XX/XXXX. They said case close because I didnt provide documentation. Card is still unavailable to be used. I paid {$500.00} and unable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC
State: AZ

Complaint narrative:
I have been falsely accused of paying over {$5000.00} at a XXXX XXXX in New York on the date XX/XX/XXXX Someone bought tires under my name and it is fraud. It has been reported to the XXXX police and I have sent a police report to the people I am trying to dispute this claim to. I have never been to New York, nor are there any records of me ever going to New York to complete this purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to Bank of America to open a business account and a savings account in XXXX XXXX, FL ; to find that in their system someone had opened 2 accounts with my information in Texas. 

They requested an investigation which I complied with. Obviously, I never did a police report, because I wasn't even aware that this had went on. 

They did 2 fraud investigations and it was determined that it wasn't me. See attached letters from the bank 's fraud investigations.

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 2024-03-13 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 date on XXXX XXXX XXXX is not accurate please fix or delete 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 2024-03-13 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: TX

Complaint narrative:
The date on XXXX XXXX XXXX is not accurate please fix or delete this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
ON XX/XX/XXXX I FOUND OUT THAT MY BANK ACCOUNT WITH XXXX XXXX WAS COMPROMISED. AS A RESULT, MY BANK ACCOUNT WAS CLOSED WHICH CAUSED PAYMENTS TO BE REJECTED. MY ACCOUNT WITH TOYOTA FINANCIAL WAS REPORTED LATE, EVEN AFTER A TALKED TO A TFS AGENT ON XX/XX/XXXX AND THEY ASSURED ME THAT NO LATE PAYMENT WOULD BE REPORTED TO THE CREDIT BUREAUS IF I BRING MY ACCOUNT CURRENT, WHICH I DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XX/XX/year> {$490.00} i attempted to make a payment on my car loan account However, due to error the payment was not successful. 

Despite my efforts to rectify the situation and ensure timely payment, my credit report now shows the account as delinquent, which has negatively impacted my credit score. 

I have communicated with Honda regarding the unsuccessful payment and have made alternative arrangements to ensure timely payment moving forward. However, the issue with the reporting persists, and I have not received satisfactory resolution. 

I request that the CFPB investigate this matter and work with Honda to correct the inaccurate reporting on my credit report. I also request that any negative impact on my credit score be rectified. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-03-13 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: OR

Complaint narrative:
I was told by Mohela my payments would resume with a monthly payment of {$570.00} on XX/XX/23, under the SAVE plan ( see attached ). Then, my account was placed on an administrative forbearance, and my monthly payment was increased without explanation to {$1000.00} on XX/XX/23, which my family and I can not afford. I submitted another Income Driven Repayment Plan Request, and now several weeks later, the payment has again changed to {$690.00} on XX/XX/23, which my family and I still can not afford. I have tried contacting Mohela by secure messaging on their website, with no response to my concern. I've tried calling them several times, and after a ~three-hour hold one day did speak with a Mohela employee, who could not provide me with an explanation. This situation is frustrating, and the loan payment uncertainty is making it difficult to make future financial decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I recertified my loan XX/XX/2023. Well in time to be processed before the new certification cycle. I got an email 1 month later saying there was delays in processing. Its now XXXX months later mid XXXX and I just recieved my bill for next month for {$500.00}. 2 weeks notice. My certification still says processing but they send the bill regardless hoping Ill just pay it to not deal with customer service. Nothing on my income or situation has changed. How am I to pay an astronomical amount because of the fault of their own company for delaying processing? 

From the amount of money they receive on federal interests loans there should be NO delays, NO mistakes, NO call wait times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-03-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 TU 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 of 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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
This complaint is in regard to FOX COLLECTION CENTER. THIS COMPANY IS NOT COMPLYING WITH ANYTHING I AM REQUESTING. BY LAW THEY ARE REQUIRED TO PROVIDE INFORMATION UPON REQUEST! This is according to the Debt Collection Rule. I am unaware of the alleged debt they placed on my consumer report. I did not have the opportunity to dispute the alleged debt, and it was furnished on my credit reports. As a result, my character and reputation are being damaged per 15 USC 1692d ( 1 ). This is a violation. If in fact you believe you gave me proper notice, then please send me the certified receipt with my legal name on it or my signature. SEND ME PAPERWORK NOW BEFORE I SUE YOU PER 15 USC 1692K FOR ABUSIVE PRACTICES AND WILLFUL NON-COMPLIANCE!!!!!! How am I supposed to know if I actually owe a debt if I don't have any proof???? Saying " My client verified you owe the debt does not help me and plus you are already XXXX for other abusive practices. I am reporting this to my state attorney general!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have long disputed XXXX debt with XXXX XXXX. This has resulted in tradeline being suppressed by both XXXX and XXXX yet Equifax is continuing to not only report but, also allow charges off account to report as late each month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 2024-03-13 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding an ongoing issue with unauthorized credit inquiries appearing on my Trans Union credit report. Over the past year, I have encountered multiple instances where inquiries were made in my name without my authorization. Each time an unauthorized inquiry has been identified, I have promptly contacted Trans Union to dispute the inquiry, expecting them to investigate and rectify the situation as mandated by law. 

However, the response from Trans Union has been both unsatisfactory and concerning. Instead of taking on the responsibility to investigate these unauthorized inquiries, Trans Union has repeatedly informed me that it is my duty to dispute these inquiries directly with the creditor or lender involved. This guidance is not only inaccurate but also misleading, as it shifts the burden of proof away from the credit reporting agency, contrary to what is required by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, it is the responsibility of the credit reporting agencies to investigate disputed information, including unauthorized inquiries, and to remove or correct any inaccuracies found. 

The failure of Trans Union to fulfill its obligations has caused me significant distress and has potentially impacted my creditworthiness. Unauthorized inquiries can have a detrimental effect on a consumer 's credit score, and the presence of such inquiries on my credit report raises serious concerns about the security of my personal information and the potential for identity theft. 

I have made multiple attempts to resolve this issue directly with Trans Union, to no avail. Their continued insistence that the responsibility lies with me to dispute these inquiries with the creditors is not only a misrepresentation of my rights as a consumer but also a blatant disregard for their statutory obligations. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I request that the CFPB investigate Trans Union 's handling of unauthorized credit inquiries and ensure that they adhere to their legal responsibilities under the FCRA. It is imperative that these unauthorized inquiries are thoroughly investigated and removed from my credit report if they can not be verified, to restore my credit score and protect my consumer rights. 

I am prepared to provide any additional information or documentation as required to support this complaint. Thank you for your attention to this matter and for your assistance in upholding consumer rights and protections.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One charged me a {$25.00} late fee and {$7.00} in interest on XX/XX/XXXX for missing a payment, despite having been enrolled in autopay and having made successful payments for months. Upon realizing the charges, I immediately made a payment, which posted on XX/XX/XXXX, and re-enrolled in autopay. I contacted Capital One to see if they could waive the late fee, and they refused. 

This was the second time that my card, which was previously enrolled in autopay, suddenly dropped the autopay and I had to pay late fees. The first time happened in XX/XX/XXXX, although Capital One waived the fee that time. 

Given the fact that this has happened to me multiple times, I have cancelled all my credit cards with Capital One. I have never experienced a similar issue with any other credit card company.

Company response to consumer: Closed with explanation