vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 explanation
Consumer complaint received 2024-09-25 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: DE

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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 explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries :

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 2024-09-25 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: VA

Complaint narrative:
I am filing a complaint about an incorrect late payment entry on my credit report. Despite disputing this entry with [ Credit Bureau Name ( s ) ] and [ Creditor/Lender Name ], the issue remains unresolved.

I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). The incorrect entry remains despite my efforts to correct this with the credit bureaus and the creditor/lender. 
I request the CFPBs assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$680.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$680.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity. 
Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently examined my credit report and found several accounts that I believe were incorrectly added without my knowledge.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is declining the request to block information for XXXX XXXX  survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is declining the request to block information for XXXX XXXX  survivors. Agape Advocating Consulting is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 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:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX XXXX XXXX XXXX, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in XXXX XXXX XXXX XXXX a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Complaint Against : Equifax XXXX Account Numbers : XXXX XXXX Details of the Complaint : I am writing to formally dispute two collection accounts reported by XXXX XXXX XXXX XXXX XXXX, with account numbers XXXX and XXXX. Despite my repeated requests for validation of these debts, the company has failed to provide any proof that these debts are mine. 

On XX/XX/year>, I sent letters to both Equifax and XXXX via certified mail requesting an investigation into these accounts. Over 30 days have passed, and I have not received any response from either credit bureau. Additionally, I have filed two complaints with the CFPB regarding these accounts, but the company has not responded to my requests for validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that the burden of proof lies with the debt collector to provide documentation verifying the debt. If the debt collector can not provide this documentation, they are required to remove the disputed information from my credit report. 

Furthermore, I was never notified about these debts before they were placed on my credit report, which is a violation of my rights under the FCRA. No one contacted me regarding these debts, and I was not given the opportunity to dispute them before they were reported. 

Requested Resolution : I request that Equifax and XXXX immediately remove the disputed accounts ( XXXX and XXXX ) from my credit report. If these accounts are not removed, I will be compelled to pursue legal action against both the debt collector and the credit bureaus for furnishing false information. 

Please refer to my previous CFPB complaints for additional details. 

Thank you for your prompt attention to this matter Please see CFPB complaints XXXX XXXX Where the company violated the law by telling me that I needed to prove that the debt wasn't mine without offering any proof that it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has listed remarks on my credit reports that are not accurate. XXXX XXXX made a remark on my reports that the account with them was charged off for two consecutive months in 2024, those months are XXXX and XXXX. I requested a debt validation with XXXX XXXX but they did not provide me with any proof of late payments to charge off the account.

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 2024-09-26 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: FL

Complaint narrative:
XXXXXXXX XXXX  has listed remarks on my credit reports that are not accurate. XXXXXXXX XXXX made a remark on my reports that the account with them was charged off for two consecutive months in XXXX  those months are XXXX XXXX XXXX. I requested a debt validation with XXXXXXXX XXXX but they did not provide me with any proof of late payments to charge off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
XXXXXXXX XXXX has listed remarks on my credit reports that are not accurate. XXXX XXXX  made a remark on my reports that the account with them was charged off for two consecutive months in XXXX, those months are XXXX and XXXX. I requested a debt validation with XXXXXXXX XXXX  but they did not provide me with any proof of late payments to charge off the account.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
My account has been placed into multiple different payment plans. I have been enrolled in the PSLF plan for many years and when my accounts was switched from XXXX XXXX XXXX to Mohela ( my current servicer ) I have had nothing but issue after issue since XX/XX/XXXX. Initially I called them because they automatically placed my plan into the extended graduated plan for which that particular payment plan does not qualify for PSLF. When I called then, they stated that because I had made so many payments when I was with XXXX XXXX XXXX I was essentially grandfathered into the extended graduated plan. Fast forward one month later, XX/XX/XXXX I saw that my payment increased significantly, so therefore I called again to try to figure out why my payment increased. Long story short they put me into the SAVE payment plan. They placed me into forbearance at that time so that I can be put back into the grandfathered plan of extended graduated plan and I was assured that it would be counted towards PSLF. 

I called they yet again in XX/XX/XXXX because there was another issue with my student loans and I was on hold for close to an hour and 45 minutes before I was able to speak to a real person in regards to my account. 

In XX/XX/XXXX I started school at XXXX XXXX  for my XXXX XXXX XXXX and I had to take out student loans, I was contacted from Mohela toward the end of XXXX via email stating that my student loan payments would resume in XX/XX/XXXX because I am enrolled at least half time. 

In XXXX, I log in to my account to see that I was delinquent because my payment on my student loan account wasn't made on XX/XX/XXXX so I hurried up and made a payment because I don't do " delinquent '' on anything related to my credit. Meanwhile, I was told that my loans was put into deferment in XXXX and didn't have to make payments while enrolled in school so I call Mohela yet again for another issue that they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-25 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: GA

Complaint narrative:
I was shocked and confused this morning when I saw inaccurate accounts suddenly appearing on my credit report. I check it regularly, so seeing these discrepancies out of nowhere really threw me off. I even refreshed my browser hoping it was a mistake, but the accounts stayed on the report. Because of this, I am requesting a thorough review of my documents to prevent this from happening again.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''

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