vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
Mohela is reporting my student loan debt twice to credit reporting agencies. It is reported as Mohela and then reported as Missouri Higher Education. All of this seemed to occurred on XX/XX/year>. So my student loan debt has doubled and keeping me from refinancing my home. I have reached out to Mohela twice via phone. One time I was on hold for over 5 hours and the next time the wait time was long so I waited for a call back. I have sent 3 emails with no response. I can't move on with financing my house until this is corrected and it is hurting my credit. I have learned that Mohela and Missouri Higher Education are the same servicing company so I am not sure why they reported it twice and the amounts are different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX XXXX XXXX report XXXX and a prior Validation of Debt letter.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

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 2025-01-07 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: MD

Complaint narrative:
ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

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 2025-01-07 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS AND ASSOCIATES states I owe them {$440.00} and I never had an account with them. My information was leaked online and bunch of thing came on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-01-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-07 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: IL

Complaint narrative:
My original mortgage started with XXXXXXXX XXXX XXXXXXXX back in XXXX. In XXXX, XXXXXXXX XXXX XXXXXXXX contacted me and told me I would be the first client they would partially move over to XXXXXXXX XXXX for my mortgage. I was informed of my mortgage contract, automatic payments, interest rate, length of mortgage and all would remain the same and my payments at that time would still go to XXXXXXXX XXXX XXXXXXXX. There was a lot of miscommunication between XXXXXXXX XXXX XXXX XXXX XXXXXXXX and I. I was not properly informed of how the automatic payment process would apply. XXXX XXXX from XXXXXXXX XXXX XXXXXXXX reached out to me and informed me they would like to fully hand over my account to XXXXXXXX XXXX and they would not be responsible for my monthly payments. I was informed the only thing I would need to do is email XXXX XXXX with XXXXXXXX XXXX to discuss an automatic payment date. XX/XX/XXXX. It was my first contact with XXXX via XXXX XXXX, and we agreed my payment would come out on the XXXX of every month from XX/XX/XXXX to XXXX. XXXX was responsible for my payments since my automatic payments were still going to XXXX XXXX XXXXXXXX. On XX/XX/XXXX, XXXX XXXX and XXXX XXXX from XXXXXXXX XXXXXXXX  were in communication with XXXX XXXX and XXXX XXXX from XXXX via email that I was 32 days past due on my mortgage. I was unaware in XX/XX/XXXX there were issues with who was in charge of the automatic payment, and it was switched over to XXXX XXXX  In XX/XX/XXXX, I was in contact with XXXXXXXX XXXX and informed them they would mail me a form to fill out to allow for automatic payments to be withdrawn, and I manually paid XXXX months ' payments in XXXX, since I was not aware it was passed due. I sent back the form to authorize automatic payments in XX/XX/XXXX. In XX/XX/XXXX, I called to verify my automatic payment was received, and I was sent the incorrect form. So I filled out another form in XX/XX/XXXX to allow automatic payment and paid XX/XX/XXXX payment. Again, there was an error with my automatic payment form, so XX/XX/XXXX did not process correctly, but XX/XX/XXXX was successful. After all this confusion, I was in communication with XXXX to attempt to get the late marks removed from my credit report. XXXX XXXX informed me she could write me a letter explaining the issues XXXX was having during those times. I checked my report and those negative marks are still showing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank is holding my tax refund check sent directly from the US Treasury of the amount of {$23000.00} and will not release my tax return due to truist bank suspecting the check being fake. This has caused me delays in paying bills and inconvenience of other situations

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 2025-01-07 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:
By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiries below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the inquiries below : Creditor Name : XXXX Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX, XXXX of inquiry : XX/XX/2023. Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023. Experian. 
XXXX XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX, XXXX of inquiry : XX/XX/2023. Experian. 
XXXX XXXX : XXXX XXXX XXXX  XXXX of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2023. Experian. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/2023. Experian Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2023. Experian.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to know whether or not these accounts/data are a XXXX percent accurate. It is hurting my credit file and I need these deleted.

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 2025-01-07 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: GA

Complaint narrative:
XXXX is reporting my XXXX  loan debt twice to credit reporting agencies. It is reported as XXXX and then reported as XXXX  XXXX XXXX. All of this seemed to occurred on XX/XX/year>. So my XXXX  loan debt has doubled and keeping me from refinancing my home. I have reached out to XXXX twice via phone. One time I was on hold for over XXXX hours and the next time the wait time was long so I waited for a call back. I have sent 3 emails with no response. I can't move on with financing my house until this is corrected and it is hurting my credit. I have learned that XXXX and XXXX  XXXX XXXX are the same servicing company so I am not sure why they reported it twice and the amounts are different.

Company response to consumer: Closed with non-monetary relief