vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, XXXX and Transunion. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes. 

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.

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 2023-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, Experian and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.

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 2023-12-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I had a XXXX XXXX that was linked to XXXX XXXX. I bought a flight with this card and had to cancel due to a medical emergency. I called AMEX and they sent me to the insurance company XXXX to file the claim. They said my policy is not with them, but with XXXX. Since then I am trying to get the correct email so I can send the documents to use the insurance and get my money back. I wrote several email, chats and tried to call several times and got no help. It seems they do not want to pay and the travel insurance do not work. They try to get me tired and forget about the claim. Very bad service!!! I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I urge the bureau to begin an investigation into these accounts, as they inaccurately reflect late payments despite my punctuality.

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 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Someone had opened an account in my name XXXX XXXX XXXX midland credit management. I only have XXXX account with them which is paid off. Ive been going on a battle to get this removed because its not mine and they convinced its mine I never open this I want it removed because it effected my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have tried many, many times to get in touch with Mohela to ask questions about how they have my XXXX loans documented on their website. 

I can never get through to them. Their hold times are impossibly long, and they do not reply to messages, despite saying any message will be replied to in XXXX business days. 

If Mohela can't handle the volume of phone calls or messages, they should not be in this business! 

I need information about my loans. I pay on time, and I need to know everything is being accounted for correctly. It is impossible getting in touch with Mohela!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
At the end of XXXX I tried to log in to my Coinbase account which I have had for a couple of years. I was able to log in but when I attempted to make a transaction a message appeared saying " your account is being reviewed and you are unable to process transactions at this time ''. I contacted customer support and it appears that Coinbase had sent me an email requesting updated information and I did not respond. I'm not surprised I did not respond because I get phishing scheme emails weekly and many times they will use the Coinbase logo trying to get personal information. I went through their process and verified my identity and also sent them requested financial information. My account stayed locked and I contacted them again. Customer support said there was nothing they could do because my case had been turned over to their compliance team and they would need to be the ones to un-lock my account. I have XXXX case numbers for youXXXX and XXXX. The fist case number was my original case number and the second is my complaint case number. It has been weeks and I am still locked out of my account. I have emailed and called on multiple occasions and I only get automated responses. I have ask to speak to upper management and they refuse. I have asked for their legal council contact and I get no response. At one point I received and email stating my complaint was resolve and closed ( see attachment ). I understand now why XXXX trading companies need XXXX government regulation. On top of this ... during this " lock-out '' time someone has changed my password on more than XXXX occasion and I did not receive notification. I was able to re-set my password and re-verified my identity twice. My funds were fine but I was still locked out from making any transactions. I am concerned that someone inside of Coinbase may be trying to manipulate my account and I am unable to transfer my funds out of Coinbase. Coinbase support will not let me speak to anyone other than the support group and the support grout says they can not do anything because the compliance group has the hold on my account. They tell me that the compliance group does not speak to anyone over the phone. As far as I know Coinbase may be using my funds for other purposes and that is why they will not allow me access to transfer my funds. In the beginning I was going to just trade some funds but continue to keep them in my Coinbase account. At this point I want to transfer all of my funds out of Coinbase and be done with them. This type of un-professional and un-ethical way of doing business must stop in the XXXX and I will help you anyway I can to expose their actions. I plan to speak to my congressman after this is resolved to see if he wishes to use my story as testimony as to the way this company conducts business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A shell XXXX card was opened under my name and possibly my S.S. XXXX in XXXX. I never knew about this account until XX/XX/XXXX when XXXX XXXX XXXX contacted me in an attempt to collect an outstanding debt. I've tried to contact Citibank who is the guarantor of this card. I can not get through to any representative in order to get information to dispute this with Citibank, because I don't have the full account XXXX to the card. I never opened this account nor have I ever charged on this account.

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 2023-12-29 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:
I had disputing this account with XXXX XXXX XXXX  multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account XXXX.I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: MD

Complaint narrative:
on XXXX XXXX XXXX I sent information about having my bankruptcy removed I have provide information from the court and their data provider including identification of myself. Experian case-number XXXX came back today as of XXXX it stated the same answer that the company as verified the information is accurate and correct. At this point I am asking again remove this item from my credit report because Experian has not done a investigation because their data provider is XXXX and they remove the XXXX in the month of XXXX the court does not provide information to the credit Agencies. So who are providing this information I have all the documents and conducted my own investigation with XXXX and they verified they provided information to ALL XXXX Credit Agencies. This is a violation of the Fair Credit Reporting Act.15USC1681a ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
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: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom mortgage is my mortgage company and they state that I am behind on my payment. I have proof that I paid XXXX for the YTD and their statement shows that i paid XXXX YTD witch is XXXX unpaid to the mortgage company. 

I have called XXXX times and got XXXX different answers the XXXX person i talked to told me its because i didn't make a full payment and i was XXXX dollars short back in XXXX so paid the XXXX dollar 's thinking ok so now it should be up to date. The XXXX person i called told me i didn't pay XXXX so I went over my bank statements and i paid XXXX so i called them back and they told me I didn't pay XXXX payment. I told her I've got the bank statements to prove I've never missed a payment, so I sent them all XXXX statements from 2023. After that I received a 12 month statement from the Freedom Mortgage showing that XXXX payment was never received. So i called them back XXXX to try and figure out what is going on and they tell me XXXX is paid. so I requested a supervisor to talk to and I was on hold for XXXX mins and someone answers the phone and hangs it up on me. 

I can't get a straight answer from anyone there! Meanwhile I am being charged {$45.00} late charges twice a month and they are putting late/missed payments on my credit.

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 2023-12-29 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: CA

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.

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 2023-12-29 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: CA

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I have been garnished by Resurgence Law Group due to an unpaid student loan debt from 2009. For years, I struggled with unemployment which caused me to not be able to pay the debt. Now, that I have gainful employment they have been changing the " finish line '' for my payment. Every time I call, they keep adding more than just interest to the payments. 

They stopped wage garnishments for XX/XX/XXXX and XXXX and then resumed the garnishments on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CA

Complaint narrative:
I have disputed incorrect info twice to experian. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my XXXX  info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only Experian. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My XXXX  said these accts also show on her credit report as an individual acct

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