vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-12-06 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX XXXX XXXX XXXX, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$2200.00} - Listed as opened XX/XX/XXXX - Acct # XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXXXXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Clarity Services XXXX Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$2200.00} - Listed as opened XX/XX/XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - Routing XXXX - Account XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They reversal the {$290.00} now account is overdraft XXXX they don't want to help me a. Homeless hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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:
Please remove all fraudulents account. Thank You. 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXXXXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXXXX/XX/year> EXPERIAN

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 2024-12-06 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:
Please remove all fraudulents account. Thank You. 
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN

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 2024-12-06 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I after applying for an extension of credit and being denied due to a consumer report obtained from XXXX, I discovered numerous inaccuracies regarding a credit card on my Credit report being reported by Bank of America. I instantly contacted Bank of America only to find out there was a credit card opened without my knowledge or consent with an alleged balance of {$1400.00}. I informed them that I demanded an investigation and that I did not consent for them to report any adverse information due to the fact the information was inaccurate, incomplete and unverifiable. I then mailed Bank of America my notice of dispute and demand for verification. My letter went ignored for over 90 days. I then mailed the same letter via certified mail and was again ignored. shortly after I called and was disregarded and agents were being dismissive and rude to me. because of this I felt extremely discouraged and began contacting XXXX about the issue. XXXX claimed that they would conduct an investigation into the issue but failed to do so and reported the false information as verified. I have continuously attempted to resolve this issue with both parties and I have not been able to correct the misconduct. At this point my privacy has been invaded and I have not been able to obtain credit due to the defamatory reporting from both partied.

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 2024-12-06 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: TX

Complaint narrative:
I believe my consumer rights are being violated per FCRA section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
Unauthorized hard inquiries appear on my credit report, which is a breach of 15 USC 16c-2. I demand the immediate removal of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2024-12-06 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: AL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
SECURITY CREDIT SERVICES Original Creditor Name : XXXX XXXX  XXXX  Balance : {$3800.00} XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX XXXX  Balance : {$2300.00} SUN XXXX XXXX # XXXX XXXX  Balance : {$290.00} XXXX XXXXL XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX : {$860.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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: AL

Complaint narrative:
I was a victim of identity theft and data breach with XXXX, Experian, 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 2024-12-06 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Account Number : XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit file and found multiple accounts that appear to have been added without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XXXX - {$0.00} Fraudulent 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

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 2024-12-06 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: AL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
SECURITY CREDIT SERVICES Original Creditor Name : XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX # XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX : {$860.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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: Informative Research
State: MI

Complaint narrative:
XX/XX/year>. XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, XXXX, XXXX ) Immediately. The company that XXXX XXXX  Used to Pull my credit report was Informative Research on XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX # NMLS # XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX XXXX Informative Research Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
In XX/XX/XXXX, I called the department of Federal Student Aid ( FSA ) and was transferred to the Ombudsman Departments complaint center. I then spoke to Department of Education/FSA representatives . XXXX of the reports was named XXXX. I then spoke to XXXX followed by XXXX on XX/XX/XXXX in the Ombudsman complaint center regarding feedback case # XXXX. Previously, I spoke to XXXX on XX/XX/XXXX from my previous servicer, XXXX. XXXX advised that I had a XXXX month forbearance entered while my application for a direct consolidation was processed. Previous to XXXX, the lender for my student loans was XXXX  XXXX XXXX and prior to that, my servicer XXXX. XXXX advised that my loan, since XX/XX/XXXX did not reflect my payment history from the previous servicers. As of today, I still did not have an account history or transcript of all my payments mailed to me. The last payment {$270.00} made on XX/XX/XXXX was not reflected on my account or previous payments. The representative XXXX escalated the close case to XXXX. She also referred to previous complaints, case # XXXX and # XXXX. Following that, I spoke to XXXX XXXX ID # XXXX. She said the new servicer made a payment for {$31000.00} + XXXX XXXX the new servicer will be MOHELA and XXXX days from XX/XX/XXXX the loan should be transferred. MOHELA has yet to provide any information and has accrued interest in my loan balance. Since origination, my loan balance has more doubled with capitalized interest. Per federal law after XXXX years of repayment, my loan should be canceled regardless of whether I have a balance or not. The student loan is predatory and according to the XXXX PLAN, federal law, this loan should be CANCELLED. I am seeking relief and cancellation of the entire loan balance. SAVE repayment plan and for forgiveness programs, like XXXX XXXX XXXX XXXX ( PSLF ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and under certain federal programs, it's possible to get your student loans forgiven after XXXX  years of qualified payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
1. We emailed SPS on XX/XX/XXXX, XXXX, XXXX and XX/XX/year> XXXX. We called SPS multiple times since XX/XX/XXXX to XX/XX/year> 2. We sent mail to SPS on XX/XX/XXXX with tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX 3. We faxed letter to SPS on XX/XX/year> XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
recently review a copy of my credit report and notice i had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain 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