vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the Louisiana DMV Data Breach as I was affected as a Louisiana resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the Louisiana DMV Data Breach as I was affected as a Louisiana resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX  Account XXXX *fraud account reporting inaccurate XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: AL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: AL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2024-02-05 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: KS

Complaint narrative:
My income recertification on Mohela was originally listed for XX/XX/XXXX. I called them about this in early XXXX. Due to new rules ( see link and quotes at bottom ) since my recertification date was prior to XX/XX/XXXX, this should not have to be recertified until XX/XX/XXXX. I called on XX/XX/XXXX, this was escalated to a supervisor ( their ID is XXXX ) that called me back on XX/XX/XXXX. They told me I was correct and I would receive something confirming via email in the next week. Nothing came, so I called on XX/XX/XXXXXXXX  and spoke to I believe a supervisor ( ID XXXX ). Once again, they told me I was correct and not to be concerned that I should get something in the next 5-6 days. Nothing came, when I log into Mohela, then the income recertification date showed XX/XX/XXXX. So I called multiple times again, 7 times over 2 days on XXXX and XXXX, and kept transferring around and was ultimately transferred to a supervisor each time and no one picks up. A supervisor ( ID XXXX ) eventually called me back on XXXX, told me my recertification date was actually XX/XX/XXXXXXXX  so I do not qualify for the extension. When I asked why it said XX/XX/XXXX initially and then XX/XX/XXXX, he said these were 'soft dates ' to give them time to process. When I got the opportunity to log into a computer and check studentaid.gov, my anniversary date ( recertification date ) is listed as XX/XX/XXXX, so I would fall under the group that does not have to recertify until the next calendar year. The XX/XX/XXXX is the date of my next projected payment after recertification. I called Mohela back, and got transferred to 2 individuals again only to get no one were and got directed to a supervisor voicemail. 

I have spent 8-10hours/week the last 3 weeks calling my loan servicer and quite frankly exhausted and demoralized at how inconsistent agents and supervisors are in providing accurate and up to date information. No one can give me a coherent answer for why the recertification keeps migrating depending on who you speak to. At certain times, it feels like dates are being pulled out of thin air. 

I would greatly appreciate any assistance you can do to investigate the poor practices. 

Below is the guidance from Dept of Ed https : //studentaid.gov/announcements-events/covid-19 " When do I have to recertify my IDR plan? 
The earliest you could be required to recertify is XX/XX/XXXX. 

On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Early 2 weeks of XXXX, I have been depositing checks from contractor work/companies/business, etc. On the second week of XXXX, JP MORGAN CHASE sited my account as suspicious and fraudulent. They froze my assets and restricted my access to my Chase accounts. For context, I have held all my assetts in my Chase accounts. All direct deposits, bills, finances are connected to CHASE. Without warning and without notifying me directly, my accounts were placed under restriction. I contacted Chase customer service, and I was told my accounts were placed on restriction because my deposited checks were marked as fraudulent and suspicious. I asked about my pre-existing funds like my savings and remaining money from checking ( prior to the checks ) and a representative told me I'd be able to retrieve these assets from a bank in person. I was told the complete opposite of this information in more calls with Chase representatives the next week after Chase was still unable to clear my checks after 10 days. I have been unable to pay bills, without access to any finances because Chase refuses to work with a long-term customer even with proof of identity. My next calls with Chase, I was told that since I was unable to clear my checks, Chase would indefinitely hold onto my savings and pre-existing checking balances until the checks were cleared. For context, phone numbers I've provided or Chase has access to have all been unsuccessful at clearing the checks. I am at a loss, and I am financially burdened. Chase stated that if I am unable to clear the checks with them, my existing funds will NOT be mailed to me as a check, but rather be held by them and sent to the state 's unclaimed funds. I also asked them about my outstanding balances on my Chase credit card, and they said I will still be responsible for paying the card and late fees will continue to apply. ( My accounts at this point are still restricted and I have no other bank to pay a credit card from ). Chase has effectively stolen my finances and has left me financially broken. After a customer of 10 plus years, I have been thrown to the curb.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate.

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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I might consider suing your company because you're not fixing the frauduelnt account on my credit report, breaking the law ( Fair Credit Reporting Act ). XXXX agreed to remove this account because they know that this account is fraudulent. See attached.

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 2024-02-05 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: MN

Complaint narrative:
The following accounts currently listed and showing on my XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : 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 2024-02-05 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: NY

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX disputing multiple inaccuracies and incomplete information on account XXXX. XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX Another letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX regarding the same inaccuracies and incomplete inaccuracies discounted in my previous letter with no re-investigation done on these accounts. I would like these accounts deleted for failure to do an investigations or re-investigation under the FCRA

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the XXXX  DMV Data Breach as I was affected as a XXXX  resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXXXXXX 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 2024-02-05 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: WI

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2024-02-05 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: WI

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief