vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-14 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-12-14 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: TX

Complaint narrative:
XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Had these two accounts for a very long time never missed the payment ever on these accounts, made all my payments consistently account was supposed to be on autopay a representative at this company say everything was fine, but come to find out that every payment that I was making was not being accepted never notified me about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Had these two accounts for a very long time never missed the payment ever on these accounts, made all my payments consistently account was supposed to be on autopay a representative at this company say everything was fine, but come to find out that every payment that I was making was not being accepted never notified me about this

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 2024-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: IN

Complaint narrative:
yesterday XXXX a company claiming to be PNC Bank offered me a loan by phone a Hardship loan which I have been applying for and being PNC Bank I knew they were local so I bought their story, went to my bank and ran it past them they thought it was legit so I went ahead and did their process by text and phone call instructions to purchase an XXXX XXXX gift card and then send them all the information to pay for the necessary insurance. Attached are the gift card both sides and the receipt for same and my bank statement going back to a transaction the hacking frauds returned. Today I went to PNC Bank when my {$5000.00} was not in the bank and discovered it was all fraud, so I went to my bank and did their process and I filed a complaint with the sherriff 's department. I contacted XXXX  the issuer of the card they are attempting to recover the charges placed on the card, my bank is willing to help me one person says I will owe {$360.00} and the other person says " We will handle it for you ''. If there's anything else you need feel free to contact me the toll free number if you call it they answer PNC Bank it's XXXX ( XXXX ) XXXX. I also have an extensive chat transcript with all the instructions they gave but I can't figure out how to attach it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
I noticed some mistakes on my credit report, specifically related to late payments. These do not match my regular payment pattern. Please resolve these issues and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting credit acceptance on my report but they broke the law on multiple occasions. XXXX XXXX stole my property in my car, didn't follow court procedure and sued me in the wrong county. I was never informed of the auction. Please remove this completely.

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 2024-12-14 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: MI

Complaint narrative:
On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX. I am not liable for this debt with consumer energy. I dont Not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested several times.

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 2024-12-14 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: MI

Complaint narrative:
On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX  but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXXXXXX. I am not liable for this debt with consumer energy. I dont Not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My review of my credit report revealed accounts that I believe were added improperly. I request these accounts be blocked and removed right away.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are accounts on my credit report that I believe were added incorrectly and without my consent. I request these be investigated and removed promptly.

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 2024-12-14 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: BCION, A DIVISION OF ION BANK
State: CT

Complaint narrative:
I was recently checking my credit report and I noticed a bunch of hard inquires that were not submitted by me. I am sending this information in because I want these fraudulent inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On or about XXXX XXXX I noticed an email notification from Credit Karma , notifying me that I had a " karma guarantee " offer waiting for me and to log in to see it. 
Upon logging into my Credit Karma account the first thing the was presented to me was a big blue manner telling me that the company XXXX had a Pre-Qualified offer for me that was so good, that if I didn't get approved for the Credit card, that credit karma would in turn provide me with XXXX $ and they called this their " Karma Guarantee ''. 
Well I was not approved and I had to contact credit karma support and ask them like how to I go about collecting this XXXX XXXX Now that my credit score has dropped even lower, and i.havr a fresh hard inquiry, XXXX $ is the least u can do, especially since they guarantee it. I was told initially that I didn't qualify for it and that was that, and that they didnt and wouldn't provide me with why I wasn't, just that I wasn't period. After a followup with the XXXX, the next day apparently they launched an investigation into the matter ... and low and behold I actually did qualify for the XXXX . 
I soon received an email from credit karma telling me that I would be receiving it and I would shortly be getting an email telling me the steps to redeem. 
I've emailed credit karma about twice weekly asking for this email and how to redeem and they always reply and tell me that I am infact qualified for the XXXX $ and I'll be receiving an email shortly ..it 's been over a month and they make it very clear that the gift card must be redeemed within 90 days of the claim. I feel they are hoping I waitwait and then disqualify myself due to the time frame being up on the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 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: IN

Complaint narrative:
I came across several errors in my credit report during a recent review. The late payments shown are not accurate for my payment history. Please address these issues and make the updates. Thanks!

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 2024-12-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
XXXX is reporting XXXX XXXX on my report but they broke the law on multiple occasions. XXXX XXXX stole my property in my car, didn't follow court procedure and sued me in the wrong county. I was never informed of the auction. Please remove this completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is reporting XXXX XXXX  on my report but they broke the law on multiple occasions. XXXX XXXX stole my property in my car, didn't follow court procedure and sued me in the wrong county. I was never informed of the auction. Please remove this completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my credit report and found multiple late payment records that are inaccurate. These mistakes do not reflect my actual payment behavior. Please rectify these errors and update my 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 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding a data breach that has resulted in the exposure of my personal information and subsequent inaccuracies on my credit report. 

Capital One Account # XXXX Account Status : Derogatory Self/Lead Account # XXXX Account Status : Closed Date Last XXXX XX/XX/year> - My information was compromised in a recent data breach. 
- I have not received a 1099 form related to this matter, yet the information is still being reported on my credit report.

According to Section 605B of the Fair Credit Reporting Act, the inaccurate information should be removed within four days. However, I have not seen any action taken to rectify this issue.

I request that you investigate this matter and assist in ensuring the removal of the inaccurate reporting from my credit report. Please be advised that if this issue is not resolved promptly, I will be forced to take legal action to protect my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
My husband and I have a joint spousal consolidation loan. Currently, we have filed for the PSLF Waiver in XX/XX/year>, and filed our Notice of Intent to Separate on time. We have jumped through every hoop that the Department of Education has set up in the past XXXX  years. Our Joint Consolidation Separation Act was passed 2 years ago and we have waited patiently for the window to separate, but still it takes months for this to be processed. Our Separation Application was sent in in early XXXX and we are being told it might be processed in late XXXX or XXXX! My complaint is that we have been in forbearance for the last 2 years and continue to be dragged along by the Dept. of Ed, with no definite timeline given. My husband and I have both given 20+ years to public service, paid on our loan for 20+ years, and have made well over XXXX payments and yet we have not been given the same benefits as other borrowers.Moving forward, we have no idea if all this hard work will pay off before the new presidential administration moves into office.

The Dept of Ed has violated my borrower rights by breaking promises, using unfair practices, violating the Federal Law, and false advertising! Our hardships have been unbearable for most of our lives and my husband and I need to know that we can retire without this loan burden. Please help us get answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting XXXX XXXX but the illegally repossessed my car. They stole my property inside my car and didn't inform in writing of the auction. This is illegal in Michigan. Also, I told them I moved but they sued me at the wrong address wrong county.Please remove this immediately.

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