vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX didnt give those companies to pull my credit

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights. 
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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over XXXX hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to CITI and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterdayXX/XX/23on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please 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 monetary relief
Consumer complaint received 2023-11-01 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: AZ

Complaint narrative:
I have just learned that my identity was breached and data was hacked through Experian 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX XXXX  declined because of Fraud again and spent over XXXX  hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in XXXX  and will be XXXX  soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the Experian website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend XXXX online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please 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 2023-11-01 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: AZ

Complaint narrative:
I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question. 

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 

This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in 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 non-monetary relief
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question.

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 
This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have had many issues with Mohela. The most recent is the fact that I was approved for and enrolled in auto-debit for my loans on XX/XX/23, with my first payment being due XX/XX/23. That payment was never withdrawn from my account, and I received an email from XXXX XXXX XXXX on XX/XX/23 stating that I missed a payment. Mohela 's website states that I am up-to-date and not in delinquency. However, when I call Mohela and provide my account number to the automated system, it states my loan status is delinquent. I did everything that I was supposed to and now Mohela is causing direct harm to my credit status due to its ineptitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a XXXX  parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to XXXX  and Capital One over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
A review was sent to zelle from my bank, XXXX XXXX, in XXXX, the reply came back saying my phone number, XXXX XXXX XXXX, van not be used. Previously, it was used with XXXX, the service was canceled, no issue with Zelle. I request my number reinstated for use with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified. 
I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
This was supposed to be resolved through the prior complaint with this organization which i believe was XXXX I had my bank wire the agreed funds to Nationstar. Yesterday, i received a check back from nationstar in the amount i wired and an additional collection letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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