vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Status : Paid, Closed. 
Status updated : XXXX XXXX Original Balance : {$510.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status updated : XX/XX/XXXX Original Balance : {$1500.00} Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OH

Complaint narrative:
To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
MOHELA Account # XXXX in the XXXX {$2400.00}. MOHELA Account # XXXX in the XXXX {$6900.00}. MOHELA Account # XXXX in the XXXX $ {$3800.00}. MOHELA Account # XXXX in the XXXX {$1300.00}. Aidvantage and Mohela Has violated my rights. When attending XXXX XXXX  I was not notified at the time they there were going out of business in XXXX XXXX. I took a break due to physical disabilities issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost 10 years old. So I spoke with Mohela which has now turned over my debt to ADVS Services and both parties that I spoke to told me the loan would be discharged under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm putting down to bestow my anxiety concerning the tested accounts on my credit report. On various occasions, I have raised the issue of stumbles in these records, and have constantly referred to that they be totally researched. In spite of my endeavors, I at this point clearly can't get any goal or accommodating activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a standard life. The antagonistic results of these mistakes have caused huge difficulties for me, and I'm left with no decision beside to fight for your help with reconsidering what's happening at the earliest entryway. I thoughtfully demand that you lead a wary evaluation concerning the critical of these tested records. It is fundamental that the critical advances are taken to restore and address my credit report right away. With your assistance, I need to reestablish the precision and dependability of my credit report so I could recover command over my cash related flourishing. I really encourage you to offer this matter your generally unbelievable idea and make a quick move. Your participation and moving in settling this issue quickly would be exceptionally huge. Appreciative to you from the beginning 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ga used high pressure sales tactics to talk me into a truck I did not want and now Im stuck with a high interest car payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I called.chexsystem and explained that some one else information was on my report. The wrong phone number is on the account and I can not access my report. XXXX is compromised and I have identity theft and I asking that all information be removed from 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 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I reviewed my credit report I discovered Affirm Inc, is on my credit report According to 15 U.S.C. 1681b I have never given permission to furnish these accounts to my credit report my right are being violated according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: DC

Complaint narrative:
After checking my credit report, I noticed a collection account from this collection agency. I never received a written notice or a phone call about this debt. I filed a dispute, and the collection company claimed it was a valid collection but never provided any documentation. I contacted them by phone and requested written confirmation of the debt to be sent to my address. Instead of listening to me, the representative I spoke with was extremely rude and began yelling at me. I never received written confirmation or any proof of this debt. To this day, I have no idea who the original creditor was or what the debt is for. If the collection agency can not provide written documentation proving that this debt is mine and detailing what it is for, I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex gift card for {$27.00}. However, when I enter its information to use it in well-established, secure places such as the XXXX XXXX XXXX, I receive error messages. Upon doing research online, I have found countless others who have experienced the same problem and report that Amex representatives offer no solutions when they call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
On XX/XX/year>, I received a letter from American Coradius International, LLC, a debt collector, trying to collect {$750.00} they claimed I owed to XXXX XXXX XXXX XXXX 

I DO NOT owe XXXX, XXXX any such amount. 

I called XXXX XXXX support and they confirmed that I have a XXXX balance. 

I also checked my credit report and there is no report of this collection or supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent in a {$12000.00} payment to be applied to my Mortgage Principal ( account ending in XXXX ) on XX/XX/year>. Chase received the payment and it appears on my account as unapplied. 

I called Chase on XX/XX/XXXX, and was assured an adjustment would be made to correct this misapplication. 

On XX/XX/XXXX, I checked the account online and the payment remains unapplied on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Checking account closed, another account with higher fees given with out knowledge 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Called and requested to take a better look and please delete it someone is using my information We will look into it Weeks later called back and said to go another route to getting it off my credit Reached out to IRS and received a PIN yearly!! 
Reached out to identity theft and working on freezing my credit XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Called and requested to take a better look and please delete it someone is using my information We will look into it Weeks later called back and said to go another route to getting it off my credit Reached out to IRS and received a PIN yearly!! 
Reached out to identity theft and working on freezing my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 6+ more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has been reporting the account as Unpaid up to the date with an open balance of {$490.00}, I created disputes thru XXXX and XXXX on XX/XX/XXXX, both disputes were declined and marked as completed saying the unpaid balance is accurate, I was advised to contact the company, which I did on XX/XX/XXXX and XX/XX/XXXX, I was told by the agents that my account was not being report to the Credit Entities and the original creditor might be reporting it ( XXXX XXXX XXXX XXXX XXXX XXXX, they also provided me with the letter about my account being already settled and showing a {$0.00} balance thru email, because the physical letter was sent to me in XXXX, I also inquired with XXXX about the reporting entity, they confirmed the reporting part was Portfolio recovery associates. the debt was settled and paid on XX/XX/XXXX, the letter about the settlement being paid is dated as XX/XX/XXXX but in XXXX, the copy sent to my email in XXXX is dated as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I made a credit purchase at XXXX XXXX XXXX and XXXX XXXX  after opening my account. I visited the store to pay off my {$32.00} charge before the statement arrived, intending to avoid interest. I was assured by a clerk that the account was paid in full and requested its closure. Despite this, I received additional bills in XXXX and XXXX, including a late fee. I called XXXX XXXX, paid the bills again, and requested account closure, which they confirmed. However, I continued to receive statements through XX/XX/XXXX. After paying yet again and being told my account was closed, I received another statement in XX/XX/XXXX. I reported the issue to the police in XXXX, Michigan, citing fraudulent charges that severely damaged my credit score, dropping it from nearly XXXX to around XXXX. Both XXXX XXXX and XXXX XXXX continue to send statements, even a year after opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$330000.00} - XXXX  XXXX XXXX Balanced {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$330000.00} - XXXX  XXXX XXXX Balanced {$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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from 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 non-monetary relief