vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: IL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a critical issue I have been experiencing with unauthorized hard inquiries on my Equifax credit report. These inquiries have adversely affected my credit score and overall financial well-being. Despite multiple attempts to resolve this matter with Equifax, I have not received a satisfactory resolution, and the inquiries remain on my credit report. 

I have outlined the unauthorized inquiries and accounts in question below : Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Cap XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Factual Data Creditor Name : XXXX  XXXX XXXX Account # [ Account Number ] - This is not my account, and I am not responsible for it Creditor Name : XXXX  XXXX [ Account Number ] - This is a business account, and I am not responsible for it. 
I have previously lodged disputes with Equifax concerning these inquiries and have also filed several complaints with the CFPB. However, after an investigation, Equifax has repeatedly refused to remove these inquiries from my credit file. I am now formally requesting assistance in obtaining the original documentation from the respective creditors that demonstrates my explicit authorization for them to access my credit file. 

I firmly believe that it is my right to verify the legitimacy of these inquiries, and Equifax has failed to provide me with this crucial proof of authorization. Without such documentation, I insist that these inquiries be promptly removed from my credit report, which Equifax has failed to do.

I have formally requested that Equifax provide the following information to support my request, which they have not complied with : 1. Copies of any documents, agreements, or applications that demonstrate my authorization for the above-mentioned inquiries.

2. A detailed explanation of the investigation process conducted by Equifax, including any communication with the respective creditors.

3. A clear and comprehensive response to this dispute within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).

I kindly request that this matter be resolved expeditiously, and I ask that you notify me in writing of any actions taken. I understand that, in accordance with the FCRA, you have 30 days from the receipt of this letter to investigate and respond to this dispute.

You may reach me at XXXX or via email at XXXX to provide updates or request additional information if necessary. 

I anticipate a swift and satisfactory resolution to this dispute. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns keeps calling me, My wife and I have both told them we need our tv and couch repaired and we will make a payment. they refuse to warranty them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford ubering to work.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford ubering to work.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
i had a claim with my insurance company XXXX XXXX  where the data was incorrect put. 

My car parked was hit by a rock that caused leaking of oil. Therefore I had to replace some parts and oil. The insurance company paid some part of the repair and I did the rest as my deductible. 

The claim was close as " at my fault '' even I did not cause the incident and " Collision '' it was a comprehensive incident. 

I have spoke with lexus and they denied to change that. 

My insurance went up because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
This is about an ambulance service provided which I did not order, was not for me, was not at my residence. I have NEVER received any paperwork regarding this, no invoice or billing for services. This has been turned over to a collection agency that will not provide me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NJ

Complaint narrative:
I do not recognize this. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was garnished for my delinquency on my capital one account. The garnishment paid in full the amount owed. They've reported that i still owe XXXX , completely fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my ssn number was stolen by someone and found out after I closed my bank account and two checks was withdrawn for {$2200.00} and {$2800.00} from some else. I called the chase bank claim phone number and consulted and explained the bank staff about the debt of {$2200.00} and the result was that the check stored on XX/XX/XXXX, {$2000.00} bounced However, I deposited {$2200.00} cash in the atm machine on XX/XX/XXXX, and the statement of the cash is proved./ The explanation given for the debt of XXXX is that the amount {$2800.00} mistakenly sent to me by the government on XX/XX/2021 was recovered. However, I have asked my accountant that this {$2800.00} is the government subsidy XXXX for me and my wife I have also called the IRS to confirm that no money has been collected or owed in my profile and my online IRS account shows nothing unusual about me. I have collected all my materials including another record of {$2200.00} fake checks. I am deeply troubled and ask you to help me deal with these two debts that have nothing to do with me. Please ask them dont call me weekly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband passed away in XXXX, XXXX. The day after he died, there was a fraud alert on our credit card. When I called to discuss, Chase told me that I could not use the card because it was in my husband 's name and I was just an authorized user. On the day of his funeral, a fraud alert notice came through for my debit card, with a notice that the debit card was canceled. I understood the issue with the credit card because over the years Chase had refused to allow us to combine all of our accounts for online banking because the credit card was my husband 's and the rest of the accounts were mine. Prior to closing my account in XXXX, I transferred the remaining balance from my checking account to my new bank. Chase did not conduct that transfer. Instead, they issued a check in my husband 's name for the balance ( {$2600.00} ). My new bank would not accept that check, so I contacted Chase to reissue the check in my name. I talked with them in XXXX and again in XXXX. Chase told me that my husband was the primary holder of the checking account and I would need to open an estate account with an LLC number. My husband had no assets of his own to probate and I had already paid off our equity line and credit card balance. There was no other debt. The checking and savings accounts were mine from the beginning. I opened my accounts in a previous bank that eventually transferred through acquisition to Chase. My husband was added after we bought our house in XXXX. It appears that Chase arbitrarily identified my husband as the primary account holder, even though they refused to combine our accounts online because the credit card was his and the other accounts were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: AR

Complaint narrative:
In XXXX I moved from my home in XXXX ( that my husband owned, my name was not on the deed ) to a rental home in XXXX. At that time, we used security monitoring with XXXX. We were told that if we ever moved to a location they did not service or to a location where we were not authorized to get security monitoring, that by sending a letter of cancellation, we would be removed from the contract and service. We were also told that if the new homeowner took over service, that is another qualifying reason that we would be out of the contract. 

All of those things happened. I informed XXXX by phone and letter that we were cancelling and moving out of state to a rental home. None of which qualified us to transfer service. The new homeowner also took over the service, and put it in their name. 

In XXXX, I tried to buy a house and was denied credit due to a collections for {$1300.00} from a company called XXXX. They apparently took over XXXX. I explained the situation to them and they were supposed to remove the collection from my credit report. 

In XXXX, I looked at my credit again and found a collection for the same amount with a company called Zion Debt Holdings. I disputed this claim a few days ago and then began receiving aggressive text messages from Zion Debt Holdings regarding the collection. I asked them to send me the contract and their response was that I was the one who had to disprove the debt, not them to prove it. 

I explained to them that I did not owe this and that it should be removed immediately. 

I do not have a copy of the letter I sent to XXXX in XXXX of XXXX as I do not keep paper work more than two years old. I know that I cancelled them via letter, and phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : Equifax XXXX XXXX XXXX XXXX XXXX  Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

Equifax Disputes : On XX/XX/, I mailed my initial dispute to Equifax, and it was successfully delivered on XX/XX/. 
On XX/XX/, I sent a follow-up dispute ( Round 2 ) to Equifax, which was received on XX/XX/. 
XXXX Disputes : On XX/XX/, I sent my first dispute to XXXX, and it was delivered on XX/XX/. 
On XX/XX/, I submitted a second dispute to XXXX, which was delivered on XX/XX/. 
XXXX Disputes : On XX/XX/, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/. 
On XX/XX/, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/. 
XXXX XXXX XXXX  Dispute : On XX/XX/, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan XXXX XXXX. My credit report is reflecting that I have two loans on the same car. I have requested documents from XXXX and I have yet to receive 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid off 2 of my accts with capital one. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX  and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Case # XXXX This case was filed over a month ago and all requested paperwork was sent and received. There has been no action taken by citizens bank to transfer the funds to the estate trust account provided by the estate attorney. Also no one has provided any information regarding this matter. No return phone calls or email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
A {$30000.00} car loan was taken out in my name by a woman in CA. I have lived my entire life in MO, a fact that is easily verified on my credit report. The lein holder, Exeter Finance requires that I submit a copy of my driver 's license and social security card ( among other documents ) to po box . This allows no delivery confirmation or certified mail. I've been trying for 2 years to get this resolved. There is no contact information for their fraud department, and no way to hand deliver documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
1006.34 Notice for validation. This debt was put on my credit report without notice i am requesting that the debt be validated and would like to request a itemized bill with all dates and amounts due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Hello, my student loans got transferred to from Great Lakes to NELNET earlier this year. Prior to the transfer, I had spent several years paying off the interest to my loans down to {$0.00} and only paying off the principal balance before the student loan pause due to COVID-19. I received an email earlier this year that my loan was being transferred to NELET and that nothing was going to change with my account.

After the transfer was complete, NELNET added an interest to my account. Reminder, I had been interest free for a couple years!

I called NETLET To understand why interest was being accrued again when I had been interest free prior to 2020. They were not able to give me a good reason at first. I called several more times through the summer and then again last week. From that last conversation with the representative at NELNET, when the transfer from great lakes to NELNET happened, NELNET was able to start charging me a daily interest rate and that it was included in a master promissory note ( That I never agreed too ). I was shocked at this and immediately filed a case with the studentaid.gov website for student loans.

I am reaching out to all my congressional representatives as well as Department of Ed OMBUDSMAN, CFPB and anyone else you can recommend. I am planning to continue paying my loans ( even with the interest, however I don't believe this right, under any circumstance and that I am being taken advantage of. I believe NELET is doing wrong. I am unsure what my actual ask is, but that I need some help and support in reaching the right people to understand how they are able to do this.

Company response to consumer: Closed with explanation