vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-06 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-06 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: NV

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting incorrect credit score. NO UPDATED CREDIT SCORE HAS BEEN PROVIDED. REQUESTING CORRECT CREDIT SCORE AND ACCURACY OF THE CONSUMER REPORT. CREDIT REPORT SHOWS A XXXX POINT DECREASE BUT DOES NOT INDICATE ANY CHANGES TO THE CONSUMER REPORT. 

XXXX XXXX IS REPORTED AS A CHARGE OFF. A CHARGE OFF IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME ACCORDING TO THE FAIR CREDIT REPORTING ACT INCOME CAN NOT BE REPORTED TO A CONSUMER REPORT. THIS ACCOUNT IS TO BE DELETED FOR INACCURACY BEING REPORTED TO THE CONSUMER FILE. XXXX XXXX HAS RECEIVED AN OPT OUT REQUEST FROM THEM REPORTING TO MY CONSUMER FILE, THEREFORE TRANSUNION HAS NO RIGHTS IN REPORTING THIS INACCURATE ACCOUNT TO THE CONSUMER REPORT AS I HAVE NOT GIVEN THE REPORTING AGENCY PERMISSION TO DO SO AND NO DISCLOSURE HAS BEEN RECEIVED FROM THE REPORTING AGENCY BY LAW GIVING THE REPORTING AGENCY CONSENT TO REPORT THIS ACCOUNT. 

THE FOLLOWING INFORMATION I AM REQUESTING IN WRITING TO BE FIXED AS THESE ERRORS ARE NOT ACCURATE. THE CREDIT SCORE IS INCORRECT AND THE ACCOUNT THE REPORTING AGENCY IS REPORTING IS INCOME 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 2024-08-06 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: WI

Complaint narrative:
Hello, I recently did a credit check on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. This Accounts XXXX, is not complete and accurate. 

XXXX XXXXXXXX date last active, opening date and date of last payment is not correct, this account t is not accurate.

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an American Express card from the Hilton Honor where they said they would give you XXXX award miles but that you had to spend a certain amount on the card within a certain period of time. When I received the card, I started spending money on it to earn those points. As time went by and I didn't see them credited to my account, I called American Express and they told me that I wasn't entitled to them. That day I cancelled the card because I was upset. The following week I called and a young lady answered and I told her that I wanted to know why they had denied me the points and she told me that I had had points previously with another card of theirs. I told her that that was many years ago and I did not understand why, to which she told me WHEN THEY APPROVED YOUR APPLICATION, THEY STATED THAT THEY WERE NOT GOING TO GIVE YOU THE POINTS. I let her know that if they approved it without the points, the most logical thing would have been for them to send me a communication letting me know that they were not approved and that I did not need to rush to make the expenses in the time established by them. If I had received the communication, I would have canceled the card immediately so that they would not charge me the {$250.00} fee and I would not have made those expenses on the card. I demand that they give me the points that correspond to me and that they return what I paid for the fee for the deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I was in XXXX when i get the car it is not working the owner put insurance to get the all money and fix it 2 times he send me to coleccin after insurance paid the car the car was u der my daughter XXXX XXXX and later the car was under my name he stiil the money and the insurance money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Solar panel seller came by 2022 and promised us to save money on our light bill because of solar panels and said that payment would never go up especially since if we signed we would get a XXXX tax bonus to throw to principal and help lower payment but came tax season none of that was true. Payment has been increasing and we had been making payments on time. No contact back from anybody to help us. We spoke to neighbor that they are same situation. I rather get rid of the panels and get out of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: LA

Complaint narrative:
I looked at my credit report and notice inaccuracies! My current address is XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX! Any other addresses reporting are inaccurate and need to be removed!

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 2024-08-06 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: LA

Complaint narrative:
I looked at my credit report and notice inaccuracies! My current address is XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX! Any other addresses reporting are inaccurate and need to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
First Access closed my account, I paid the account in full, XXXX XXXX the company is continuing to charge a monthly fee on the closed and paid account in full showing a {$0.00} due. they are continuing to charge the monthly fee impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - 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 2024-08-06 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: AR

Complaint narrative:
am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXXXXXX XXXX account ( # XXXX ) on my credit reports with XXXX and Equifax . The account was sold to collections without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a detailed investigation into these issues. 

Issues Identified 1. Unauthorized Sale of Account : The XXXX XXXXXXXX XXXX XXXX  account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : High Credit : XXXX : {$0.00} Equifax : {$440.00} Credit Limit : XXXX : {$300.00} Equifax : {$0.00} Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These inconsistencies in reporting are unacceptable and contribute to the inaccurate portrayal of my credit profile. 

Violations and Impact The discrepancies in the reported information, along with the unauthorized sale of the account to collections without my consent, are clear violations of the FCRA and my privacy rights. These actions have caused undue stress, potential damage to my creditworthiness, and an invasion of my privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, nor who they spoke with at these companies and the information is still on my report.

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 2024-08-06 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: GA

Complaint narrative:
I'm writing to communicate my profound concern in regards to a few questioned accounts that remain mistakenly recorded on my credit report. In spite of numerous endeavors to address these mistakes and rehashed demands for a careful examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and essentially thwarting my capacity to have a typical existence. The negative repercussions of these mistakes have caused tremendous difficulties, and I'm left with no decision except for to argue for your nearby help with correcting what is happening. 

I generously demand that you lead a careful examination concerning the detailing of every XXXX of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit record so I might recover command over my monetary prosperity. 

I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue speedily would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.

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 2024-08-06 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: GA

Complaint narrative:
I received the federal XXXX Grant in XXXX and XXXX. The total amount I received was {$6000.00}, distributed in two disbursements : - XX/XX/XXXX : {$3700.00} - XX/XX/XXXX : {$2300.00} My XXXX XXXX XXXX is XXXX. My account number is XXXX XXXX XXXX. MOHELA is the current servicer for my XXXX  Grant. I started teaching in XXXX, but during this period, the company managing my XXXX Grant converted it to a loan, which I repaid in XXXX. Below are the payments I made : - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3000.00} - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3400.00} Proof of these payments is attached. I paid a total of {$6600.00}, which covered the entire loan amount. On XX/XX/XXXX, I received an email from XXXX XXXX confirming that the loan had been paid in full. On XX/XX/XXXX, I received another email indicating that I had paid {$550.00} in student loan interest in XXXX. These emails are also attached. 

In XXXX, I began receiving correspondence from Federal Student Aid suggesting that my loan might be reinstated as a XXXX if I was still teaching. On XX/XX/XXXX, my XXXX Grant was reinstated, and I received a check for {$6600.00}, the amount I had paid back in XXXX. However, about a year ago, I discovered that my XXXX Grant had been converted to a loan again. To my surprise, interest was calculated retroactively from XX/XX/XXXX. This retroactive interest is a violation of my borrower rights, as financial laws prohibit charging interest on funds not borrowed. The interest should have accrued only from XX/XX/XXXX, the date the loan was reinstated. Given that student loan interest rates were paused at 0 % from XX/XX/XXXX, to XX/XX/XXXX, interest should have started accruing only from XX/XX/XXXX. I intended to pay off this loan in XX/XX/XXXX but had to wait for the interest miscalculation to be corrected first. 

During this time, I contacted MOHELA numerous times and spoke with several representatives, none of whom understood my issue. My attempts to correct the interest miscalculation and pay off the loan were hindered by MOHELAs incompetence. Their failure to address the error in XXXX delayed my ability to settle the loan, resulting in growing compounded interest. If MOHELA had corrected the mistake when I initially contacted them, I would have already paid off the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
UPON ME PULLING MY CREDIT REPORT I NOTICE A LATE PAYMENT ON XXXXXXXX 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 2024-08-06 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: NJ

Complaint narrative:
UPON ME PULLING MY CREDIT REPORT I NOTICE A LATE PAYMENT ON XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I realized that during the transfer from Mohela to the new servicer, I was put into an administrative forbearance I didnt ask for, had to manually turn back on auto pay, and have a several XXXX dollar principle increase due to capitalized interest. This feels insane and I want my old balance back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation