vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been going on since XX/XX/XXXX in which online credit reports were blocked. Equifax requested information on identity which was provided. On XX/XX/XXXX spoke with **** who said the issue was fixed and the online would be up in two hours. It was not. I called again and spoke to *** who said allow 24 hours. 
I checked today, XX/XX/XXXX, per *** she said it releases once a month. This is incorrect information as historically my credit report was accessible regardless of duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CITI BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CITI WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CITI IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CITI HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CITI HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CITI HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CITI HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CITI HAS VIOLATED ME WHILE OBTAINING MY SECURITY CITI HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.

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 2023-11-17 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: PR

Complaint narrative:
On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCHRONY FINANCIAL XXXX XXXX XXXX SYNCB/PAYPAL 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 XXXXXX/XX/XXXX I request that these inquiries be removed from my report because were not authorized

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
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 Capital one bank NA XXXX XXXX XXXX XXXX XXXX XXXX Capital onXXXX XXXX XXXX XXXX XXXX I request that these inquiries be removed from my report because were not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
Equifax keeps refusing to block the information, XXXX, and XXXX have already done it. I have about eight fraudulent inquires. I have submitted a ftc identity theft report, to equifax with the inquiries listed to all three of the credit reporting agencies and they are the only one who refuse to block. Tell me why. Once again could you please block/removed/delete these eight fraudulent inquires from my credit report, I am currently applying for employment and they check credit and these fraudulent inquiries are ruining my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I used my Chase credit card on XXXX XX/XX/XXXX to make a deposit for a trip planned to XXXX in XX/XX/XXXX the trip was canceled. XXXX told me since it was over 180 days I had to dispute charges through Chase bank and the bank will contact XXXX I have been going back and forth with Chase for several months and they keep putting the charge back on my account. The travel agent XXXX from XXXX XXXX XXXX told me to have Chase to dispute the charge and my credit card will be returned and sent Chase every thing I have pretending to this and still yet nothing being done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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:
XX/XX/XXXX i sent my XXXX disputes letters No action was taken Experian. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.

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 2023-11-17 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: LA

Complaint narrative:
I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. 
Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: LA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Experian Credit Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX. 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
My federal student loans through Mohela were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
Mohela has consistently failed to properly calculate the correct payment amount for the SAVE plan, and after multiple email and phone call attempts, the problem remains unresolved. 

Earlier this year, like many people, MOHELA switched my previous IDR payment ( under REPAYE ) to SAVE. In doing so, they used my previously provided income information, but made two extremely puzzling errors : 1 ) they calculated the payments using a 1 person family poverty line ( I filed taxes married filing jointly and have no other dependents, so this should be the 2 person poverty line ), and 2 ) the entire household SAVE payment was allocated to me ( my spouse also has direct student loans and is on SAVE, and so the total household payment should be split between us ). 

In XXXX I was finally able to talk with a MOHELA rep, who manually took down all of this information, quoted me the correct SAVE payment, and placed my account on administrative forbearance. 

This week, the payment change was applied, but the payment amount remains incorrect. The payment amount now accurately reflects the correct poverty line, but still is not accurately splitting the total SAVE payment between spouses ; instead, I have the entire household SAVE payment shown as my amount due.

The SAVE formula is not difficult, and MOHELA has received all of the information needed to calculate this extremely simple math problem TWICE. There is no reason to believe that this is merely incompetence, I have to believe its malice. Otherwise, MOHELA should simply not be allowed to exist as an entity serving the US public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Equifax Information Services LLC Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-17 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: Risecredit, LLC
State: UT

Complaint narrative:
Debit was settled and they charged off the balance, however after several years it was still showing on credit report as closed account with a balance due, I tried to dispute the balance to have it removed however after I did the dispute they reopened the account and started to report me late on payments when the account should of been closed and at the very least as a charged off balance like it had shown for several yrs. I feel this was a deliberate attempt to retaliate against me for putting in a dispute. Since then my credit as dropping several points.

Company response to consumer: Closed with explanation