vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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 was shocked to find inaccurate accounts on my credit report tonight, with no explanation of how they appeared. Ive always reviewed my credit report regularly, but this time, these errors just appeared out of thin air. I even refreshed my browser in hopes of clearing a glitch, but the inaccuracies persisted. As a result, Im asking that the documents Ive submitted be examined thoroughly to put my mind at ease.

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 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: NV

Complaint narrative:
I am writing to dispute a " charge-off '' entry on my credit report filed by West Creek Financial dba Koalafi , which I believe is inaccurate due to a payment processing error on their part.

Account Information : Lender : West Creek Financial dba Koalafi Lease Number : XXXX Charge-Off Date : XX/XX/XXXX Details of Dispute : In XX/XX/XXXX, I set up automatic monthly payments of {$1100.00} with Koalafi to repay a {$3300.00} loan within a 90-day interest-free period. The first payment was successfully deducted, but subsequent payments were not processed correctly due to an error on the lenders end. As a result, the balance remained unpaid after the interest-free period expired. When I attempted to settle the balance on XX/XX/XXXX, Koalafi insisted on adding additional fees totaling {$3600.00}, which I declined to pay due to their error. 
This charge-off entry is unjust as it resulted from a mismanagement of my payments by the lender. I request that this inaccurate entry be removed from my credit report to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I made a purchase using a GS Apple Card from the Apple store. They never sent a physical bill to my address and the email was overlooked, so the payment became delinquent. I was never notified via USPS nor through a phone call about the payment, only through email which I check infrequently. I've prided my self on a credit score above XXXX, and now have XXXX below XXXX because I was delinquent. I talked with the credit card company, paid the account in full, and closed it. Shouldn't they be required to reach out via an official channel like USPS if a payment is delinquent? I never received anything in the mail, including a physical credit card.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is really concerning as there's an inquiry on my credit report that I don't recognize nor have applied to/engaged with, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-11-15 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TransUnion has not yet fixed the problem nor has compensated me for federal consumer violations and damages. TransUnion continue to furnish US DEPT OF EDUCATION XXXX. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They closed my account due to deposits being processed and then fraud detection that wasnt cleared from merchant. My bank account was closed due to fraudulent charges which was not even verified as 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 2024-11-15 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my report and saw unauthorized inquiries, please remove immediately. 
Transunion : 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my report and saw unauthorized inquiries, please remove immediately. 
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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit 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
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: AZ

Complaint narrative:
My Discover private student loan was transferred and sold to XXXX. When deciding what private loan company to use, Discover was the best option for me due to their grace period of repayment, to begin XXXX years after graduation. I graduated this XXXX, and was surprised to see Discover student loans going out of business entirely. Once the loans transferred over to XXXX, the grace period ended completely. I was then told I began to owe over {$1400.00} a month in repayment beginning XX/XX/XXXX, just a little over a month after transfer. Ive contacted customer service about getting relief, to which I get no response or help from. Im XXXX, in current search of a job, with no way of paying {$1400.00} a month for my loans at this time. They dont care about that, and havent helped me at all. I feel as if the rug was pulled out from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2024-11-15 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 disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and supported by documentation from an advocacy group assisting me due to XXXX XXXX-related debt XXXX, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ), I am disputing the reporting of late payments on my credit profile. I am requesting that you block the reporting of these late payments from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of XXXX XXXX and debt XXXX, and it is my right for these inaccurate and harmful entries to be blocked or suppressed. 

This request applies to all listed accounts associated with TransUnion that reflect late payment entries resulting from my circumstances. XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$180.00}

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 non-monetary relief
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 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 2024-11-15 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:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they're there. I checked my report as usual, but suddenly these discrepancies appeared out of nowhere. I even refreshed my browser to rule out a glitch, but the unauthorized inquiries remained. I am extremely frustrated and demand that the documents I submitted be reviewed thoroughly so I can stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX  the XXXX of XX/XX/year> I reached out to PayPal about a limitation on my account. I explained to the representative that I didnt have the information that they were asking for. They were asking for my supplier ( which i do not use a supplier ), as well as my LLC. I explained that I had just started as a sole proprietor and am currently waiting for my LLC information to come in. The representative said that they could lift the restriction as I get my LLC documentation which they have documented as XX/XX/XXXX ( which it is currently XX/XX/XXXX ). The rep said that it would either be lifted the same day ( the XXXX ), or by the XXXX at the latest. When the next day came, it was not lifted and I still did not have access to my money. I called PayPal again, to which they told me that my account was still in review. I explained that I was going on a trip and had no access to my funds. I went through the trip without the money, but still remained patient. 2 days later I have an update requesting the same information that I said multiple times that i DID NOT have, and so i call them again. The next rep that I speak to says that he can ask that Paypal 's back office lifts it ( same conversation as the first day ), and that it should be lifted within 48-72 hours. I receive an email asking for the same information and i am back to square one. i DO NOT have the information that they are asking for. Now i am in a situation where my bills are completely BEHIND and they could care less. they refuse to release MY money to me. I call today, and at this point I am passed livid. The rep that i speak to today tells me that there is nothing that they can do, and basically will not be releasing my funds. MY funds. I have not been able to pay anything at all and this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
I am filing this complaint against Experian for refusing to correct outdated and inaccurate personal information on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has continued to include incorrect versions of my name and addresses where I have never resided. I have provided my current, verified personal information ; however, Experian has failed to update my report accurately. 

Violations of the FCRA : Inaccurate Information Reporting ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit bureaus are required to maintain accurate and verifiable consumer information. Experians refusal to update my report, even after I provided verified information, violates this requirement and affects my creditworthiness.

Inclusion of Unauthorized Information Experians retention of incorrect names and outdated addresses without my authorization infringes on my rights to accurate reporting. Retaining unauthorized data that I did not validate is not only inaccurate but also damaging to my credit history.

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report is negatively impacting my credit score, harming my financial reputation, and limiting my access to credit. This lack of accurate information has created barriers to my ability to conduct personal and financial transactions.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do not recognize the credit accounts on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I do not recognize the credit accounts on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I do not recognize the credit accounts on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am currently battling multiple forms of identity theft, including aggravated identity theft, child identity theft, and Social Security fraud. Recently, I applied for a personal loan with XXXX XXXX XXXX, but they informed me that a crucial elementa missing telephone number on a fraud alert with TransUnionprevented them from moving forward with my application until my credit file is rectified. 

There are two critical issues with TransUnion : my telephone number is not in my credit file, and there is an existing fraud alert. Additionally, my last name is incorrectly spelled as " XXXX '' when it should be " XXXX XXXX. '' They claim this was " verified, '' which raises serious concerns. 

I contacted TransUnion on two occasions this monthon the XXXX and the XXXX they assured me that my telephone number had been updated. However, when I contacted XXXX XXXX XXXX this afternoon, they confirmed no record of these updates. Furthermore, TransUnion claims they can not verify my login on their website due to a " failed safety check. '' I also reviewed TransUnion 's dashboard via XXXX XXXX XXXX XXXX, and it remains outdated. 

Because of inflation, I am facing significant financial hardship and have filed disputes with TransUnion since XXXX concerning inaccurate personal information. Their lack of professionalism in handling my case has been deeply frustrating.

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