vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I wish to ensure that all information is 100 % accurate and complete.

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  Account Number : XXXX I kindly request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any part of the information is found to be inaccurate or unverifiable, I formally request that it be removed from my credit report.

Under 15 U.S. Code 1681i, if you are unable to verify the accuracy of the disputed information within 30 days, I ask that the account and all related inaccuracies be deleted from my credit report. Additionally, in compliance with 15 U.S. Code 1681e ( b ), I request that you ensure all procedures used to include this information were reasonable and designed to guarantee maximum possible accuracy.

I appreciate your attention to this matter and look forward to receiving a prompt and positive response regarding the outcome of your reinvestigation.

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 2024-12-11 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:
In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

15 U.S.C 1681section 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 furnish a account without my written instructions.

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 2024-12-11 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
A Lady called from XXXX saying that She received MY request, regarding to MY request for a copy of my report. she Already knew I had no ID because she had the copy of the police report in front of her, but she asked Me to provide a paper ID I told her No because I was out of state and it will take XXXX days to get texas to send XXXX in the mail. After that she started to say that she only had the police report and when she started to say if she had the form with. the police report she could do something.I then said I have a copy of the fat that I sent her and pulled it from my Files and told her the time it was sent. She said wait here it is. 
Then the she decided to not process my report Even after she made if seem like she would if she had the form that she now had. she knew all MY documents were reported stolen and didn't even offer to place a freeze or alert on my report. Then hung UPthe call come in around XXXXXXXX XXXXXXXX time zone. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, the following inquiries must be removed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, the following inquiries must be removed : 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 2024-12-11 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: CT

Complaint narrative:
Upon recent review of my credit report, I noticed these unauthorized inquiries. 

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

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 2024-12-11 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
I am writing to formally request that the following fraudulent account and inquiry be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were opened without my consent or knowledge. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove these items from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
I am writing to formally request that the following fraudulent account and inquiry be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were opened without my consent or knowledge. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove these items from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My HELOC was transferred to Shellpoint after I made 2 payments to XXXX XXXX XXXX, first mortgage company. I was current on payments with them when the loan transferred. With Shellpoint I have paid every monthly statement balance in full on my account, starting in XXXX when they requested the first payment and so on since. Then on XX/XX/year> my account was assessed a charge of {$1400.00}, then on the same date, my account was credited the same amount of {$1400.00}. Then on the next statement that amount was listed as an outstanding fee owed. When I contacted Shellpoint via phone ( and chat ), I was told it was a posting error and was a credit and would be updated to reflect that, I was told I did not owe this amount. 

I followed up again in XXXX because this amount was not removed from my account. I have made several phone calls and have had numerous chats online regarding this, all while getting different answers. 

In XXXX I was told they did not know what the charge was, and it needed to be reviewed by the HELOC department, at that point I was given Case # XXXX and was told I would get a response within 7 days. I followed up for a status update at 7 days and was told it was still under review. I followed up again on XX/XX/XXXX and was told the case was incomplete and was closed. No communication was sent to me, nor did anyone attempt to contact me via phone. This is unacceptable, they reopened the case on XX/XX/XXXX, and I was told up to 9 days to get a response back. I followed up again today, XX/XX/year> ( just for a status update ) and was told it was under review and would take up to 30 days. 

This is unacceptable, you have placed a charge on my account, and nobody is able to tell me why. It is also preventing me from making any additional principal payments currently.

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 2024-12-11 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX 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 furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I previously had been contacted by Reliant Capital solutions, I had never received a bill or notice from them or from a collection agency saying my debt was going to collections, nor have I received and itemized bill from the hospital as I had changed address. The debt is XXXX years old and I am just now hearing about it. They claimed to be with the Attorney generals office, and today they texted my mom. Said I owed a debt, and even sent her a link to pay the debt. Which included the date of my visit, the location, and the amount owed. I have since told them to stop contacting my mom, who also had been receiving phone calls but wasn't answering them due to them being labeled on her phone as spam calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: 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 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been paying in my private loan that was originally through XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX. The loan is being serviced by navient now. XXXX XXXX has been found guilty for fraud and settled out many cases and so has navient. I have struggled to pay this long since XXXX. All of my federal loans have been forgiven through the borrowers defense program due to fraud and i was refunded by the department of education. This loan should also be forgiven because it was for the a school that was found guilty for fraud. I can no longer make the payments and the option to defer or put in forebearance is not allowed. I am currently going to file for bankruptcy and adversary for this loan because i feel that it should be forgiven like the others. I make under XXXX dollars a year and i have a dependent. I cant afford to pay this loan for a company that was found guilty of fraud. 
I only borrowed XXXX and the loan amount has doubled. I have paid anywhere from XXXX to XXXX dollars a month on this loan and the principal has not went down. XXXX said that i would have to pay XXXX $ dollars or more to actually touch the principal of the loan that is now XXXX. XXXX also stated that they can now lower the interest rate for me. I dont understand how this loan has doubled. I would like for this loan to be XXXX, removed from my credit report, and Id like to be refunded for every XXXX i paid just like my federal loans. XXXX XXXX and navient have been found guilty for misleading and mishandling loans of many students. Navient and XXXX XXXX have settled cases for millions of dollars and i think i she be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: OR

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file, as they were opened or made without my knowledge or consent due to the data breach. 
Fraudulent Accounts : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: OR

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file, as they were opened or made without my knowledge or consent due to the data breach. 
Fraudulent Accounts : 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 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 2024-12-11 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
All of my personal information has been exposed in the recent XXXX XXXX XXXX XXXX XXXX  there were several accounts that were opened fraudulently without my authorization that range from XXXX to XXXX dollars. The accounts consist of of lenders such as : Prosper Loans, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition there were between XXXX to XXXX attempts to apply for loans as well per 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am senior citzen on a fix income i pay the amount they send me each month .all am paying is the interest i feel that for 12 years the bill should have been pay off. I contacted XXXX And put in a complaiint in return they closed the case after 45 days they could not reach the company to resolve the problem.

Company response to consumer: Closed with explanation