vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/year> I had to file a claim about an unauthorized XXXX XXXX transaction from a unknown individual XXXX XXXXXXXX I have no idea who this person is so I disputed this transaction I lost my card & XXXX which I believe led to these transactions I had to regain access to my mobile banking app through another device I also have screenshots attesting that I left my XXXX in the XXXX & it was later stolen from that said XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PLAID INC.
State: MN

Complaint narrative:
Almost every service that provides cash advances and/or personal loans now uses Plaid in order to connect to the customers bank account. Because of Plaid not supporting my XXXX XXXX account ( which Is where all of my income activity is ) I am not able to request any kind of cash advances, personal loans, or line of credit. I dont understand how Plaid can say that XXXX is not really a banking service when it absolutely is. I can set up direct deposit to XXXX, I have a bank account and routing number, and it does literally everything any other bank can do online. I cant prove my income to any financial services because of Plaid and because of this I am not able to request financial assistance when Im in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I received an alert that a hard pull showed up on my credit report from GS Bank and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX and I have not submitted any sort of application for any form of credit to these companies whatsoever. I called to get clarification and received the answer someone applied for something but that someone was not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A late payment is reporting on my credit report for XX/XX/2024 that is inaccurate I have never been late and the reporting status is obviously incorrect and that is a violation of The Fair Credit Reporting Act for all the inaccurate reporting.I reached out to XXXX XXXX XXXX and one of the representatives made aware to me that they do not have have a 30 day late payment for XX/XX/2024. I will be providing supporting documents supporting the inaccurate reporting. 15 USC 1681A late payments and inaccurate late payments is illegal and this account is obviously inaccurate. 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any XX/XX/2024 late payment. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. Thanks kindly

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 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
They take payments out my checking account every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened? 

I refinanced my vehicle loan through XXXX XXXXXXXX and purchased GAP insurance as part of the process. Recently, I filed a XXXX claim with XXXX, which was denied due to my vehicle having a rebuilt title. XXXX claimed that the rebuilt title disqualified my vehicle from coverage. 

Here are the critical details and timeline of events : At the time of refinancing, I was under the impression that the GAP insurance provided through XXXX XXXXXXXX would fully cover my vehicle in the event of a total loss. 
My vehicles rebuilt title was already on record, and I reasonably expected that XXXX XXXXXXXX would ensure the insurance policy was compatible with my vehicle. 
I have been paying premiums for this GAP insurance policy, unaware that it was essentially void from the outset. 
On XX/XX/year>, I reached out to XXXX XXXX via email, requesting the following : A detailed explanation of why the GAP policy was sold to me despite the rebuilt title. 
Documentation proving that the title exclusion was disclosed to me at the time of purchase. 
Steps XXXX XXXXXXXX would take to address this issue and any potential misrepresentation. 
Despite my request for a resolution within 10 business days ( by XX/XX/year> ), I have received no response. 

On XX/XX/year>, I followed up via email, emphasizing the urgency of the situation and informing them that this issue has significantly impacted my credit score, which has dropped due to the unresolved balance on my loan. To date, I have still not received any communication or resolution from XXXX XXXX. 

I believe this lack of response and potential misrepresentation by XXXX XXXXXXXX regarding the GAP insurance constitutes a serious breach of consumer trust. I am requesting the CFPB 's assistance in investigating this matter and ensuring appropriate action is taken.

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was canceled. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law. I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. 

This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 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 non-monetary relief
Consumer complaint received 2024-12-04 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: VA

Complaint narrative:
I keep receiving alerts from Experian that I no longer have a credit score. I will receive an email, and it shows up as an alert on my account. However, when I log in, it shows my credit information accurately and includes a credit score. I have been getting these alerts for a year now, and I'm worried that when I apply for credit, Experian will tell prospective creditors that I have no credit score.

When I called Experian to speak to someone about this, I could not get through the phone tree. It kept telling me that there was an error. I asked multiple times to speak to a person, pressed XXXX, and tried every trick in the book so I could speak to an actual human about my problem, but I could not reach a human. 

Experian is doing their very best to avoid actually talking to their victims. There is no way to contact them apart from filing a dispute or calling the phone number. They are trying to avoid the work that comes with fixing their problems, so they are preventing their victims from having any way to actually tell them about the issues with their website and service. Even the " voluntary survey '' about their website doesn't actually work -- there's no way to advance the survey past the second question. 

Experian is unwilling to receive feedback or any sort of communication, they just want to sell our information and for us to shut up and quit bothering them. What other message could this sort of behavior send?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-04 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: NY

Complaint narrative:
I applied for the SAVE plan to help manage my student loans in an income driven manner. The SAVE plan was paused with the new court rulings. I received an email form my servicer MOHELA who said that my loans would be placed in forbearance with 0 % interest until this IDR plan issue was figured out by the government. I then received an email from MOHELA a few days ago saying that my loans are still accruing interest. My complaint is why send this conflicting information, cause me to gain interest without anything in place to help manage this issue AND without any clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-12-04 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief