vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-13 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: AL

Complaint narrative:
I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/1976. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. 

I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the 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 explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: VA

Complaint narrative:
Unauthorized inquiries on my account that I dont know anything about

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 2024-08-13 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: FL

Complaint narrative:
Recently, while reviewing my last credit report, I noticed an account that prevents me from accessing credit lines and said account is incorrect. Said account number is XXXX reported in Transunion XXXX I request that you verify said account. 
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 2024-08-13 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: Credit Karma, LLC
State: WI

Complaint narrative:
Credit karma refuses to explain the policy of its net worth tool I want to link my home address to my mortgage with usda XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX and XXXX  Credit karma will not let me link my mortgage to my address because XXXX does not have the account on the credit report. 
XXXX XXXX XXXX  isn't reporting to XXXX because they don't have a contract. 
With XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have a credit card from TD Bank to purchase specifically XXXX products ( XXXX XXXX ). I have called them multiple times to request that they close my account but they 1-Never answer the phone at the phone number provided on the website. 2- They keep me on hold every time for over 2 hours and I end up hanging up because I have a life to tend to and can't spend my days on the phone waiting for them. I have also called other phone numbers for TD Bank, their customer service, but they keep transferring me to the same number listed on the website, which is never answered. A message states that they are receiving high volume of calls, but I have called at different times of the day, including in the XXXX  of the night, and the message is the same. I don't believe the entire world is calling TD Bank all day and all night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
My credit reports have fraudulent accounts on 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 2024-08-13 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: TN

Complaint narrative:
On XX/XX/year>, XXXX XXXX, Senior Counsel for XXXX XXXX XXXX XXXX XXXX had XXXX XXXX updat the bureaus to remove all negative information and it was to be update as of XX/XX/year>. I previously filed a CFPB complaint under number XXXX. 60 days is unacceptable, I need this updated today. I have lost too much already and I need to know if I need to consider other actions because I have lost two homes already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these erroneous accounts has caused significant hardship, affecting my financial stability. I urge you to conduct a comprehensive investigation into each disputed account and take immediate corrective action. 

It is imperative that my credit report is updated and corrected without further delay. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I sincerely request your prompt attention and action on this matter. Your cooperation in resolving this issue swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MI

Complaint narrative:
Mohela has been in the process of transitioning to a new loan servicing platform. I had received notification months ago regarding the impending transition. Yet a month later, they called off the transition. Finally on XX/XX/XXXX the transition began, unbeknown to me. I received communication on XX/XX/XXXX my loans would be coming out of deferment/forbearance on XX/XX/year>. Due to my auto payment and the fact the notification came after XX/XX/XXXX, it was my understanding the XXXX payment had already been posted. I found out today that is not the case and I have been accruing interest the entire time. I had not requested the deferment or forbearance and the customer service representative called it an " administrative deferment '' due to the platform transition. I don't think I should be accruing interest when I didn't request the pause on payments. I also think it was possible to send a plainly written letter letting me know payments would be pausing but interest would still be accruing for 2 months. This way I could decide if I wanted to manually submit payments and correspondence could have detailed how to do so. This feels very predatory!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX World finance corporation Both items were unauthorized and by law they need my permission to put thing on my credit report!! According to FCRA section 605b, it is illegal to report information on my credit report without my permission thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am XXXX this FTC adavit to report several separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 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 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 XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. 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 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 2024-08-13 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am XXXX this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TD BANK NA Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FlexShopper, Inc
State: FL

Complaint narrative:
On XX/XX/scrub> 2024 I received a notification from my bank that I had {$300.00} charged from my savings account by Flexshopper, which put my account in the negative. I immediately reached out to the company for clarification and learned that when I had discussed a solution for addressing a past due amount of {$300.00} on XXXX XXXX2024 that I would be charged twice that week on Friday the XXXX XXXX XXXX. Since XX/XX/year>2024 where I used Flexshopper at XXXX XXXX  for critical auto repairs, I have been making weekly payments of {$100.00} ( which was already {$36.00} more than I was told I would have to pay on their website when I was approved for {$1700.00} / with monthly payments of {$64.00} ) and had missed a few payments due to employment issues and already had been struggling with them suddenly double charging me in a week so I would have {$200.00} being taken out of my savings and putting me in the negative, I wanted to get this issue sorted out as soon as possible. Instead not only was I not charged at all on that day but they had added an additional {$100.00} for this week, leading to the {$300.00}. I have reached my breaking point with this company as theyve throughly messed up my credit and my fathers credit as hes attached to my bank account, Ive missed rent and utilities days because theyve taken any savings Ive had out of my account and customer service was next to impossible to get ahold of. Especially as Im only {$180.00} away from paying back what I originally borrowed.

Since this situation and making the previous complaint, things have deteriorated further as after XXXX XXXX payment, Flexshopper has not pulled any funds from my account even though our lease agreement terms have not changed nor has the payment plan changed to be manual payments and the only notifications I have received were a text saying my account was now passed due an additional {$100.00} even though no payments had been processed. And when I reached out on XX/XX/XXXX to learn why this was happening and to resume payments, I was placed on hold for over an hour after reaching a representative and I was then hung up on. And when I tried to make connect again, the number wouldnt connect and I was specifically in the best location for cellular service so I know my call wasnt dropped and I tried for two days after to get in contact with someone to address the situation to no avail.

So Im making a new complaint not only for the previous {$300.00} payment on XX/XX/XXXX but that Flexshopper has now for two weeks since ceased our automatic payment plan and making my payment now {$500.00} past due and purposefully dodged my calls and made contacting them difficult in retaliation for filing the first complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 XXXXXX/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 explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Unauthorized inquiries on my account that I dont know anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: VA

Complaint narrative:
Unauthorized inquiries on my account that I dont know anything about

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 2024-08-13 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: MD

Complaint narrative:
These inquiries do not pertain to me, and I have no ties to the listed creditors. I urgently ask for their removal from my credit 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>2024 XXXX XXXX XXXX applied for an auto loan were I was denied without being issued an adverse action notice or reason for denial. I waited 30 days and still havent gotten an email, phone call or letter in the mail.

Company response to consumer: Closed with explanation