vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 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 am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: IL

Complaint narrative:
I am writing in relation to the response received on XX/XX/2023 concerning my dispute. The lack of detailed information in your summary is concerning and necessitates further elucidation.

Account Updates Detail : The vague term updated does not provide clarity. I request a detailed breakdown of all modifications made to the accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, pursuant to the Truth in Lending Act ( TILA ). 
Verification Documentation : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request copies of all documentation used to verify the accuracy of the information reported by the aforementioned creditors, along with the name and contact information of the furnishers who verified the information. 
Receipt of Investigation Results : While awaiting the mailed copy of the Investigation Results, I urge XXXX to ensure the document encapsulates all necessary details, with clear delineation of all updates and modifications made to my credit file. 
The absence of transparency and detailed information in the summary is causing significant financial uncertainty and distress. I look forward to your thorough and detailed response within the stipulated XXXX period as outlined in the FCRA. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: NC

Complaint narrative:
I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. Equifax, XXXX, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX XXXX  XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. TransUnion is reporting hat " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, TransUnion has caused several denials to credit and loans

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XX/XX/2023 3 attempts and they stating information is accurate which is not my name is not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX has violated my rights.

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

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 2023-10-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, and XXXX has violated my rights.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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:
Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear XXXX Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA.

* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2023 3 attempts and they stating information is accurate which is not my name is not XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  My wallet, Id, credit & debit card stolen.My Apple ID and I-phone was compromised they accessed all my personal financial files, emails, existing XXXX XXXX account, electronic wallets, and social security number. XXXX police report XXXX. FTC report XXXX. When I learned they opened an Apple Card in my name, I immediately called Apple to report the fraudulent activity which at that time the balance on the card was close to {$3000.00}. They assure me they closed the account and would investigate further. Two weeks later I received a notification from the Credit Bureau my credit score decreased by XXXX points and the Apple Card is now at {$4800.00}. I called Apple back they apologized the card wasnt closed and it was an error on their part. They still havent removed the information from my credit report and the case remains open to date. Now Im a victim of this banks negligence. Please assist me and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i keep getting getting decline have money in the bank 4times in one day called in to get it solved this is not the frist time they are doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : 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 2023-10-08 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: TX

Complaint narrative:
I spoke with Mohela on XX/XX/XXXX because they fraudulently had my loans in Borrow Defense forbearance ( never requested by myself and requested SEVERAL times to have removed ). I am working toward Public Service Loan Forgiveness and have 14 payments left to qualify as long as I continue XXXX at my current location. When I spoke to Mohela on the XXXX I was told my loans would go into repayment on XX/XX/XXXX and I could make my payment ( which I did ). My loans did not go into repayment as they should have an now my account says the forbearance is there until XX/XX/28. This not what we agreed to. So I made a payment of {$210.00} which does not count toward the PSLF credit. I did not get credit for the month of XXXX toward PSLF even though my Employment verification form was in their hands and they gave credit for XXXX and XXXX ( NOT XXXX ) and I made a payment. I can not wait on hold for 3 hours again because I am a XXXX  so calling them back again is not an option. They do not respond to their messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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 in relation to the response received on XX/XX/2023 concerning my dispute. The lack of detailed information in your summary is concerning and necessitates further elucidation.

Account Updates Detail : The vague term updated does not provide clarity. I request a detailed breakdown of all modifications made to the accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, pursuant to the Truth in Lending Act ( TILA ). 
Verification Documentation : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request copies of all documentation used to verify the accuracy of the information reported by the aforementioned creditors, along with the name and contact information of the furnishers who verified the information.

Receipt of Investigation Results : While awaiting the mailed copy of the Investigation Results, I urge TransUnion to ensure the document encapsulates all necessary details, with clear delineation of all updates and modifications made to my credit file.

The absence of transparency and detailed information in the summary is causing significant financial uncertainty and distress. I look forward to your thorough and detailed response within the stipulated XXXX period as outlined in the FCRA. 

Yours sincerely, 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 2023-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In accordance to the fair credit report act this creditor ( Capitol One ) has violated my rights under 15usc 1681 section 602 states tha I have a right to privacy. 15usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15usc 1666b states that a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I was financed thru Hyundai Acct. No. XXXX. On XX/XX/XXXX I was rear-ended and my XXXX  Hyundai was totaled. The driver 's insurance reached a settlement of {$24000.00} and that check went to pay off my loan in the amount of {$9100.00} leaving a overpayment of {$15000.00}. The finance department shows the payoff as of XXXX. After numerous customer service calls - we still have not received our overpayment. 
I have tried to get someone to help us as I would like to purchase a vehicle. Always just call customer service and that never works. Is there a way to get some assistance? 

I you need anymore information please e-mail me. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a XXXX yr customer of American Express with excellent payment history. I received an email on XXXX advising me that my payment was past due. I am very protective of my above XXXX cb score and shocked as I was not aware it was due, so I paid it immediately on XXXX ( balance was {$65.00} XXXX late fee ). I was somehow assigned to e-billing which I have never wanted and have requsted in the past that I recieve paper billing. I called American Express on XXXX and requested consideration for a XXXX late fee waiver under the circumstances and was denied. 

I went through my emails and I did not receieve an email prior to or on the due date only 3 days later when the late fee was assessed. I have notified Amex in the past that I do not want ebilling as its too easy to miss a statement with all of the junk emails they send. 

I feel that they intentionally want ebilling in hopes that they can generate these excessive late fees. I have also noticed that some cards put the placement of their ebilling requestes in popups on pages which are very deceptive and easy to click kin error- not stating that Amex does this specifically, but Im sure they all do. 

I am simply requesting the late fee waiver which is excessive for a XXXX balance as a long term customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
My loan servicer is EdFinancial Services. I have created an account on their website. When I log in, the EdFinancial website tells me that " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I know that this is not true. I have tried calling, leaving messages and emailing EdFinancial Services. My student loan repayment starts this month and I have no way of paying, nor do I even know what my loan terms are or what my balance is. I am concerned that this will impact my financial standing. I do not know what else to do.

Company response to consumer: Closed with explanation