vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute the inaccurate reporting of my XXXX XXXX XXXX account XXXX Inconsistencies : Pays As Agreed yet no indication of purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. XXXX XXXX XXXX and Equifax are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXX benefits. Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. This ongoing issue has significantly hindered my ability to pursue XXXX benefits, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this urgent matter. I look forward to your prompt response and 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 2024-06-25 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: CashRepublic Holdings, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal banned my account, I comply this legay agreement, this a new PayPal account no transaction history record., but shut down my account immediately.i don't know what happening in my account. 

Thank you CFPB for understanding and assistance. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/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 2024-06-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-25 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: AZ

Complaint narrative:
Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of XXXX U.S.C. XXXX ( a ) Complaint XXXX : XXXX. XXXX XXXX. XXXX XXXX. TransUnion Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and TransUnion for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. TransUnion : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, XXXX, and TransUnion correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2024-06-25 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: AZ

Complaint narrative:
Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. XXXX 2. Equifax 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, Equifax, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
2. Equifax : Reporting a balance of {$17000.00} on forgiven student loans.

3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, Equifax, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. Experian 2. XXXX 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. Experian : Reporting a balance of {$17000.00} on forgiven student loans. 
2. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian, XXXX, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2024-06-25 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-06-25 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: IL

Complaint narrative:
these accounts are misleading reporting in my Experian and XXXX bureau, due to the XXXX data breach, and I've discovered unauthorized account linked to my profile.

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 2024-06-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-25 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-25 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-25 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: NJ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE FOLLOWNG ACCOUNTS WERE OPENED FRADULETLY IN MY NAME AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FOLLOWING INQUIRES DONT BELONG TO ME XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-06-25 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:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation