vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 U.S. 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 2024-09-19 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 paid over XXXX payment on my Mohela student loan account. After XXXX calls and 30 days from when I made the payment the balance has still not reflected. I have proof from my bank that the amount was delivered but Mohela can not locate the money, they keep telling me it will now take 120 days to process the payment. Mohela still charging me interest since they keep saying send a bank statement to show the money was sent. I have a confirmation email and proof the payment was sent. Every time I call I get a different answer as to why the payment has not processed. Worse customer service I have ever experienced. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: 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 XXXX XXXX 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 2024-09-19 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit. 
I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit.

I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.

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 2024-09-19 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a fraud i quiry on XXXX from indigo and i havent apply for any cradit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXXXXXX XXXX who responded on my behalf ( In fact, I contacted XXXX several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with XXXX ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called XXXX ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a XXXX XXXX XXXX XXXX raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
Subject : Request for Assistance in Removing Inaccurate Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with TransUnion. These inquiries are associated with ciber attacks from XXXX and XXXX, which I believe were the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with TransUnion, the inaccuracies remain on my report, negatively affecting my credit profile. By law with the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 ( a ) I kindly request your help in erasing these fraudulent inquiries to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, 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 2024-09-19 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: IL

Complaint narrative:
[ 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 XXXXXXXX XXXX Dear [ XXXX ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your attention to this matter. 
Sincerely, [ 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 2024-09-19 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX ] [ XXXX, TX XXXX XXXX Dear [ XXXX ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DUE TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

MERCHANTS CREDIT GUIDE ADDRESS XXXX XXXX XXXX XXXX XXXX, IL XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
I did not give XXXX XXXX XXXX any consent, any permissible purpose, nor did I give them any permission to share my information with a XXXX company such CRA 's. I have a right to privacy pursuant 15 USC 1681, 1692, and 6801. My private information such as my personal loan and banking information should remain private and not shared with a non affiliated XXXX party company that has no affiliation with XXXX XXXX XXXX. This company shared and reported my private information without my consent which by law falls is aggerated ID theft. I did not get consent or permission for this company to share my non public personal information nor furnish anything on my consumer report. This company has an obligation to protect the consumers privacy and non public personal information. 15 USC 6802 states this company is not obligated to disclose any non public information to a 3rd party non affiliated company unless they provide the consumer with a notice that complies with sec 6803.

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 2024-09-19 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: GA

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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin 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 ).

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 2024-09-19 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX BALANCE {$1000.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX  - BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$490.00} XXXX XXXX XXXX - BALANCE {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX  - BALANCE {$7100.00} Unauthorized inquiries : 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 non-monetary relief
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - BALANCE {$1000.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX - BALANCE {$1900.00} XXXX XXXX XXXX # XXXX - BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXXXXXX - BALANCE {$490.00} XXXX # XXXX - BALANCE {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX  - BALANCE {$7100.00} Unauthorized inquiries : 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 2024-09-19 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: NV

Complaint narrative:
I have had a lot of collections from the year XXXX and before The thing was is I was XXXX XXXX XXXX XXXX XXXX I did not have the capability to open any lines of credit. There was someone in my household or someone outside of my household who got a hold of my information and either took advantage of me or knew of my situation from XX/XX/XXXX until the end of XXXX. Anything after XX/XX/XXXX and before XX/XX/XXXX I did not try to do on my credit at all. I've gotten almost all of the false charges removed from my credit. I've been monitoring my credit for the last year and I've never seen this at all I check it everyday and all the sudden this just popped up. I did not ask for this credit card nor did I use it.

Company response to consumer: Closed with explanation