vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-21 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: TX

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 I called customer service to open a merchant dispute for merchandize not received, and the claim was open under the case ID XXXX. 
A couple of days ago I received the letter from the bank with the information about the case and I could notice that not all the transactions were added. 
I called customer service today XX/XX/2024 and the representative couldnt verify me so I was requested to send a notarized document. 
I told her Im XXXX XXXX XXXX, I dont live in the XXXX so a notarization is impossible to do it XXXX, also doesnt make sense if 3 weeks ago I opened the dispute through the same customer service and they verified me without any problems. 
If the customer is XXXX XXXX  means that doesnt have SSN, also without any public records on the US and also doesnt have a direct deposit. 
She could ask me any transaction on my account, send me a passcode by text or voice call to my USA phone number, emails address or push notification, also could ask where and when I opened my account or any personal information. 

Please add these XXXX transactions from the same merchant to the claim or open a new one : Posted dates on my XXXX XXXX XX/XX/2024 {$79000.00} XX/XX/2024 {$89000.00} XX/XX/2024 {$89000.00} 1 Ipad air and 2 Ipad pro, the expected delivery date given was XX/XX/2024. 
The seller didnt have the stock of items at the store so they will send it from their warehouse to my home. 
I treid to reach them several times to ask about the shipment information, tracking number or delivery confirmation without success. 
I wasnt abble to go in person to the store because Im in a business trip for 3 months. 

Please proceed with the chargeback requested for merchandize not received.

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 2024-03-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I noticed the amount due on my statement was higher than expected and seemed too high. I audited the charges on the statement ending XX/XX/2024. The balance due was {$11000.00} higher than the actual charges verified in my audit. I called Amex and verified all the charges with the Amex agent. I asked her to explain the discrepancy between actual charges and the amount due on the statement. She gave a verbal response regarding policies, procedures, and credits. I did not understand. I invited her to go the the math, line by line to explain the amount due in dollars, not words. She refused to do it and cut me off in the middle of my verbal requests for information and attempts to explain my position. I asked for a supervisor and a new agent was passed to me. We went had the same conversation, including my invitation to do the math line by line. She refused to go through the math and cut me off while I was speaking. I don't recall ever completing a full statement. I asked for her supervisor and was passed to t a third agent. This agent cut me off before I completed a single statement and refused to go through the math, line by line, with me to explain the amount due. All three agents were disrespectful. After continuing to ask for the third agent to respect me by letting me complete a verbal statement and asking her why she continued to disrespect me, she hung up on me. Supposedly, all of this is recorded and on record. I am willing to pay all money I owe to Amex if they can explain it to me in dollars with math, not words. Until I understand why I owe what I owe, I refuse to pay my current billing statement. I have performed my due diligence in trying to resolve this directly with Amex with a recorded conversation that lasted over two hours with three different agents. I am requesting that CFPB work with Amex to explain how Amex determined how much I owe and explain the discrepancies with math, numbers, and dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I recently received a piece of junk mail at my home address which contained sensitive loan information including my full federal student loan balance down to the exact dollar amount to date. It is my understanding that this information is only available to my student loan servicer ( MOHELA ), the national credit bureaus ( XXXX, XXXX and XXXX ), and the U.S. Department of Education. I am very conservative in how I treat my financial information. I only access financial institutions websites directly from my personal computer using my own secure wifi with virus protection. I do not believe I have put my financial information at risk however when I saw that a third party had clearly accessed my protected loan information to send junk mail, I notified MOHELA directly. MOHELA has failed to adequately address my concerns and has not accepted any responsibility for the breach but instead passed my concern off by directing me to the Consumer Financial Protection Bureau and U.S. Department of Education Office of the Inspector General to file a complaint which I have done so. MOHELA has not taken any steps to secure my information nor investigate the issue further. They did offer the opportunity to add a PIN number to my account so that when making payments or changes to my account information, it would require a two-factor authorization, however this does not address the concern that my information, including current balances, are being accessed by third parties without an attempt to manipulate my account information. In short, the third party company sending me junk mail is not attempting to impersonate me or make payments/take out a loan on my behalf, only using the illegally obtained information for marketing purposes. 

I would also like to note that in passing me off to CFPB, MOHELA provided incorrect contact information ( XXXX is the number they provided both over the phone and via email for CFPB ) and in fact directed me to a scam marketing line in which the company did not identify themselves but instead requested personal demographic information ( which I did not provide as I knew it to be a scam ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Different banks are reporting hard pulls on my credit report which is illegal under 15 U.S.C 1681 or fair credit reporting act. This is when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency, and I was never notified that I was going to receive these inquiries when applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX FCU - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
I applied for the SAVE program which is supposed to write off interest that is incurred after the monthly payment amount is paid. That is not happening. Basically all that is happening is that my payments are mostly going towards interest while my over all balance isn't decreasing. How is this helping me reduce the cost of my education?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XXXX, I took the lease vehicle to the Infiniti dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Then, I received the Federal Odometer/Lease Termination Letter which is pretty much blank and missing a lot of important information. Infiniti has been reporting this account incorrectly and they refuse to update credit agencies with accurate information. 
They sent me to a collection company which after their investigation and I also provided documents, the collection company agreed to stop their collections efforts and asked the credit agencies to delete this information. I have documents to proof. 
Collection got deleted from my credit reports, but Infiniti re opened the account and it still not providing the right documentation. They are reporting as open and late. This account was closed back on XXXX. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these 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 2024-03-21 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023

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 2024-03-21 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: Experian Information Solutions Inc.
State: SC

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 explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - Account 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 2024-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>

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 2024-03-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Self Financial Inc.
State: MS

Complaint narrative:
Self Financial Date Opened : XX/XX/2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-21 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: AZ

Complaint narrative:
Per the FCRA as a federally protected Consumer you are in violation of the 1974 Privacy ACT, Furthermore I am opting out of any and all Authorization I the consumer may have given you, written, non written, verbal and nonverbal per 15 UNITED STATES CODE 6802.

Please Remove all negative items on my credit report. You do not have permissible purpose per 15 UNITED STATES CODE 1681b.

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