vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian : Has sent a letter with the name listed as " XXXX XXXX '' this was after I called and spoke with " XXXX '' ( my be mispelled ). I called and he asked me to verify I filed bankruptcy, I told him no. I asked to speak with a supervisor he said no, over and over. I called and was immediately hung up on. Then sent a letter with report stated as of XX/XX/2024 with the name incorrect and score of a XXXX. I have a printed report on the exact same day of XX/XX/2024 that is dated with name " XXXX XXXX '', score is XXXX. I mailed certifed mail with tracking number XXXX and accepted on XX/XX/2024 per USPS I requested for validations of collections and credit score in writing asking for method of verifications, advised of USC codes of violations, harrassments, the harm caused by false informations. 







I sent a letter to XXXX that was certified by tracking number XXXX it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Address to XXXX XXXX per our phone call we had because I called in and she told me she would handle everything just send her a letter to that address and not to XXXX GA address. I have not heard anything back since XX/XX/2024. Then on XX/XX/2024 a XXXX number called me and I asked who she was and told XXXX XXXX no last name, did not tell me what company, why was calling. Just started yelling, baggering, and said she want the money. I asked her where she got my number she said from a " skip trading base system ''. She stayed on the phone with me for XXXX. She told me to call her back at that number and she will keep account on my report till its paid. She did tell me someone from XXXX gave her my number also.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a XXXX XXXX XXXX  on my credit report, filed on XX/XX/year>, under reference number XXXX. According to my records and a recent conversation with the XXXX court, they confirmed that they do not report to TransUnion or any other credit bureau. This indicates that the information listed on my credit report is erroneous and not substantiated by any legitimate source. Details of the disputed item : Classification : XXXX, Type : XXXX XXXX XXXX Responsibility : Individual, Reference Number : XXXX, Date Filed : XX/XX/year>, Asset Amount : {$0.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and verifiable. Since the XXXX court does not report such information, this entry on my credit report is unverifiable and must be removed immediately. I request that TransUnion conducts a thorough investigation into this matter and removes the inaccurate XXXX XXXX XXXX from my credit report. Please provide documentation and evidence that links this XXXX filing to my credit report, or promptly delete this erroneous entry. I expect a prompt response to this matter and an updated copy of my credit report following the removal of this incorrect information. Please contact me directly at the phone number or email provided above should you require further information or documentation from my end. Thank you for your immediate attention to this urgent issue.

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 2024-05-16 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-16 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: TX

Complaint narrative:
I am filing a complaint against Experian. I submitted a dispute for fraudulent accounts on my credit report. I mailed this certified mail tracking number XXXX XXXX it shows it was delivered as of XX/XX/year>. However I received an email today stating that it appears the dispute was not sent by me. 

To support my claim, I provided a police report filed with XXXX Police Department, an FTC Identity Theft Report, both notarized, as well as a copy of my identification ( government issued ID and social security card ) and a recent bank statement showing my current address, in accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). If you are aware, you can NOT get anything notarized unless the notary have obtained a copy of your government issued ID. So with that being said, it was sent by XXXX and it is illegal for you to refuse to process a dispute. Despite providing Experian with the requisite documentation, they have refused to process my dispute on the grounds that they do not believe I am the one who initiated it. This denial is not only unjust but also in violation of the FCRA, which mandates credit reporting agencies to investigate and correct inaccurate or fraudulent information in consumers ' credit reports. 

Furthermore, as a resident of Texas, I am protected under the Texas Identity Theft Enforcement and Protection Act, which guarantees consumers the right to dispute fraudulent accounts resulting from identity theft and requires credit reporting agencies to investigate such claims promptly. 

Experian 's failure to adhere to these laws not only jeopardizes my financial well-being but also undermines the integrity of the credit reporting system as a whole. I demand that Experian immediately initiate a thorough investigation into the fraudulent accounts on my credit report and take appropriate actions to remove them, as required by law. 

Additionally, I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with all applicable consumer protection laws and regulations. 

Enclosed with this complaint, please find copies of all documentation previously submitted to Experian in support of my dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

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 2024-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am charged an incorrect monthly amount for my medical student loan repayment on the SAVE plan by Mohela. Mohela is currently charging me {$760.00}, an incorrect monthly payment. 

I have called multiple times to Mohela over the past 7 months. There has been no resolution. 


Call on XX/XX/XXXX to Mohela Mohela representative quoted a monthly repayment of ~ {$160.00} dollars a month under the SAVE plan ~ starting XX/XX/XXXX at the earliest Call on XX/XX/XXXX to Mohela I spoke with XXXX XXXX Mohela representative ) regarding an incorrect monthly charge of {$760.00} on my account. XXXX again quoted me {$160.00} and stated the supervisor would call me back in one week to fix the discrepency. There was no call back from a supervisor. 

Call on XX/XX/XXXX to Mohela No response from supervisor from the previous call and an incorrect monthly charge of {$760.00} still remained. Representative stated they will reach out to their higher authorities to look into this discrepency. 

Call on XX/XX/XXXX to Mohela XXXX, one of the supervisors of Mohela, stated the {$760.00} charge was incorrect and she did not know why I was charged that much. She stated my monthly charge should be {$220.00}. She stated she would document her conversation and send me a letter within 2 weeks outlining our conversation. On XX/XX/XXXX, a letter was sent out, but again stating I owed an incorrect amount of {$760.00}. XXXX also stated that within a month the new corrected charge of {$220.00} should be reflected on my Mohela account. It has been 1.5 months and the current change is still {$760.00}. 

I have submitted proof that when I originally submitted my income base repayment plan on XX/XX/XXXX the monthly charge was {$160.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/XXXX I applied for a credit card at the age of XXXX and got approved without any supporting documentation or personal financial responsibility, credit card act of XXXX is in place to protect young people from companies issuing these accounts. The account is now charged off and they are pursuing litigation after not following regulations put in place for them to follow. I do not feel I am responsible for this account when at XXXX i am unable to enter a XXXX XXXX contract. 

XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updited as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitations. You faled to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX  Account Number : 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 2024-05-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updited as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitations. You faled to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-05-16 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-16 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:
FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account XXXX XXXX. {$17000.00} XXXX XXXX {$16000.00} XXXX XXXX as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Account XXXX XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FCRA violations : not my names XXXX A 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 2024-05-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I looked at my credit report because my score dropped and saw XXXX new credit cards ( Macys and Home Depot ) opened under XXXX different names. I called the number provided by the credit report and they assisted me with closing the account. On XX/XX/XXXX, I got a letter stating I am responsible for the payment and called the number provided, XXXX. I believe this is a fraudulent number provided and I gave my social security number, birthday and address. I believe my information has been compromised.

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 monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: 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.

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 informationisinaccurate.

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 2024-05-16 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: 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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: NY

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.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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