vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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:
I have disputed this account for XXXX XXXX  both with Credit Bureau and Creditor they continue showing on my report this account is in collections XX/XX/XXXX, only 1 month for whatever reason, this information is incorrect and neither company takes responsibility for reporting incorrect information , Credit bureau claims XXXX XXXX is reporting in collection XX/XX/XXXX but then XXXX XXXX denies reporting this to Credit Bureaus since their records show account. Closed and Paid in full since XXXX. I tried multiple times and unable to resolve this issue please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: VA

Complaint narrative:
Continue to Report inaccurate information on my consumer report and disregarding my attempts to correct these mistakes Misrepresentation of my account status or actions I have taken to address these issues. Lack of timely, transparent responses to my disputes and violation of the fair credit report act.

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 2024-12-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian made it impossible to fix my broken login to website- so that I was unable to manage my credit report. 

I attempted to login on XX/XX/XXXX, and was unable to. My username/password did not work. Attempting to reset my password with experian did not work. Experian would not allow it. And attempting to recall my username with experian did not work either. 

I called in to have agent help since website wouldn't work. I called on XX/XX/XXXX. I spoke with an agent. They indicated they could help, but needed me to answer security questions. I answered the questions. She told me I was wrong - about my history. And that because I was wrong now I had to wait 48 hours before calling in again. 

I called in again on XX/XX/XXXX. The phone number offered to send me to the website ( already tried ), offered to send me a helpful explanation over text ( not helpful ), or hang up on me. There was no way to talk to human. Calling in through other means such as disputes, or corporate number led back to same IVR hanging up on me. Now I'm filing a complaint.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an account from XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me and are the result of identity theft and fraud. I have contacted them numerous times to request its removal, but they have violated the allowable timeline and regulations for the dispute process. 

This account and balance need to be completely removed from my credit report. They have previously removed it, only to add it back again multiple times, violating the allowable time period to resolve this issue. 

Please find the removal letter 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I got a letter in the mail to collect a debt from a paypal credit card that I never opened. When I called and talked to a PayPal credit card representative they informed me the card was opened in XX/XX/year> and they made a charge of roughly {$3900.00} and paid it off using my Paypal Wallet, and there is still an unpaid balance of roughly $ XXXX. If I wouldn't have recieved the late payment letter in the mail I would have never known. They informed me they must have my PayPal login because that is how they applied for the paypal credit card. So, I am potentially being scamed twice with the new unauthorized credit card and then the card that they are using to pay off the balance.

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 2024-12-27 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: AZ

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: DC

Complaint narrative:
I bought a {$10.00} google XXXX gift card using the XXXX XXXX and attempted to redeem it with Google. Upon attempting to redeem the card, Google asked for additional information which I supplied. Google then responded that the card I submitted " isn't valid or doesn't match the information in our systems. '' They left me without any explicit recourse to further contact customer support to avail of the card that I legitimately purchased. I'm supplying information substantiating the legitimate purchase of the gift card.

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 2024-12-27 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:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX, Transunion, and XXXX XXXX XXXX agency 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, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires 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 non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax, XXXX, and XXXX XXXX XXXX agency 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, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Never had an account with this company, I notice they appeared on my credit report as Debt buyers account reporting fraudulent and negative information. They have called me several times mostly back to calls throughout the day and I've asked them to either provide me with a purchase agreement and stop calling me. They have not done so and continue to harrass me and call from different numbers after I block the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Trying to have Experian remove all old collections from 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 2024-12-27 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: NC

Complaint narrative:
At Mohela, I have been erroneously put on the SAVE-ALT plan, which is only applicable if you fail to recertify your IDR plan. Income driven repayment plan recertifications have been halted as of XX/XX/year> per directive of the Department of Education. Recertifications of IDR plans have not resumed to date. Furthermore, I never received my legal 90 day notice to recertify my income, and therefore it is impossible for me to have been placed on this plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I'm from XXXX  I enrolled at XXXX XXXX XXXX in XXXX XXXX  in XXXX  by a representative that came to my high school she said I would be able to receive a degree in XXXX  as I attended I was informed XXXX XXXX XXXX lost there accreditation and I would not be able to graduate as a XXXX. I was informed the school is shutting down I was not from XXXX I had no family there the apartment they put me in was nothing like they said it would be when they came and recruited me from high school there were bed bugs and I had to pay to stay there even though I was told everything was being taken care of prior to getting on a plane. Going there everything was different from what I was told. A balance of XXXX is reflecting from this school even though they shut down please remove as soon as possible it is effecting me from continuing my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant believe I found several inquiries from your company on my credit report that I didnt approve.

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 2024-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains accounts that are erroneous and should not be associated with my name. This is not only unfair but also deeply troubling, as I have never authorized or engaged in any activities related to these accounts. If you fail to investigate and rectify these issues, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
My credit report contains accounts that are erroneous and should not be associated with my name. This is not only unfair but also deeply troubling, as I have never authorized or engaged in any activities related to these accounts. If you fail to investigate and rectify these issues, I will have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: KY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 non-monetary relief
Consumer complaint received 2024-12-27 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: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MD

Complaint narrative:
I disputed a transaction through my Netspend account on XXXX for {$430.00}. The transaction was a XXXX XXXX payment sent to ( XXXX XXXXXXXX ) which was for goods I paid for but had issues with. I was able to resolve this with the receiver of the funds while the Netspend initiated the investigation on XXXX however Netspend nor XXXX XXXX never informed me that they would be taking the {$430.00} out of the receivers account on XXXX. 

I understood that I wouldnt be able to receive a provisional credit however if that was the case I didnt understand why they took {$430.00} out of the receivers personal bank account with XXXX XXXX XXXX 

I have reached out to XXXX XXXX and Netspend on numerous occasions since XXXX when the receiver notified me that they took {$430.00} out of his account and no one could explain to me where the funds went since I never received them. 

The payment it self has been showing as refunding since XXXX in my XXXX XXXX however its XX/XX/XXXX and I still have yet to receive anything. XXXX XXXX keeps telling me to reach out to my bank, Netspend and Netspend keeps saying I can not receive a provisional credit due to the type of dispute since its with XXXX XXXX. I told them I understand this however they can not answer me when I ask where the funds are since they were taken out of the receivers personal bank account and never posted to my XXXX XXXX  or Netspend account. 

This has been very frustrating due to the money being taken and no one being able to provide an explanation as to where it is since it just keeps saying refunding in my cash app account. 

I received an email from a XXXX XXXX representative on XX/XX/XXXX who stated that the funds were refunded as of XXXX however Netspend never put anything back into my account nor XXXX XXXX. I would really like some assistance with this because thats {$430.00} that it seems like no one can account for which has been very 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