vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect demographic & personal information on my credit profile that does not correspond to my State Drivers License. I have reached out to creditors or reporters and they said it is the responsibility of the CRA to amend said information but CRA 's refuse to remove incorrect information which will impact my ability to be a Personal Guarantor for future business loan applications that rely on a credit and clean XXXX for completion. See attached documents showing attempts that failed.

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 2024-10-15 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: GA

Complaint narrative:
Incorrect demographic & personal information on my credit profile that does not correspond to my State Drivers License. I have reached out to creditors or reporters and they said it is the responsibility of the CRA to amend said information but CRA 's refuse to remove incorrect information which will impact my ability to be a Personal Guarantor for future business loan applications that rely on a credit and clean XXXX for completion. See attached documents showing attempts that failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts 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 2024-10-15 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: OH

Complaint narrative:
XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX / XXXX ACCOUNT HAS BEEN OPEN WITHOUT MY CONSENT. I DID NOT AUTHORIZE THIS ACCOUNT. ITS Reported For : ACCOUNT ABUSE ; Original Charge Off Amount : {$440.00}

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 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Ive had problems in the past with fraudulent activity on my Navy Federal account and I believe it happened once again. Just recently I had an inquiry placed on my credit report from NFCU about an auto loan that was not authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CT

Complaint narrative:
Yes, this complaint is in regards to a discharge. On XX/XX/XXXX of this year, 2024, I was sent an email from the department of education stating that my loans were to be XXXX completely and that I not only didn't need to make any more payments on my loan but I would be put on forbearance until the process was complete. That day I called both the DOE and Mohela, my servicer about what I received, which DOE confirmed that yes my loans were to be XXXX, as I was transferred over to Mohela and they too said yes my loans were to be XXXX, but it'll take some time to process because of how many cases they needed to process. That was in XXXX. It is now XXXX XXXX, and Mohela is now saying that I am XXXX months behind on loans that I was told I didn't need to pay anymore. I tried calling mohela to try to solve the issue and see what is going on, however, every time I have called, I was put on hold for an endless amount of time with no connection to an agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am a victim of identity theft, where my mother used my personal information to open an Apple Card in my name without my authorization. I have filed reports with the FTC and contacted both Apple and Goldman Sachs to resolve the issue, but neither company is taking responsibility. Apple refers me to Goldman Sachs, but I am unable to reach a representative because their automated system requires the phone number associated with the fraudulent account, which I do not have. This has left me in a frustrating loop, with neither company addressing the fraudulent account or assisting me in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
I have never received any notification on this debt other than it reappearing on my credit reports in XXXX of XXXX from a new collection company. 
Jefferson Capital is saying I owe a debt ( {$510.00} ) from a company I haven't done business with since XXXX, XXXX, but says the date of first delinquency is XXXX ( FINALLY found this after they updated information from my most recent dispute through XXXX XX/XX/XXXX ) which makes no sense since I hadn't had an account through sprint for XXXX years at that point. 

I had it removed from my reports at one point after a different collection company couldn't prove the debt ( also never received info from that company on this debt ) who I am assuming sold it to Jefferson Capital. I'm not interested in arguing with them through the bureaus any longer. I have denied the debt multiple times through each credit bureau as well informed them through the most recent denials that I was going to report them for continuing to report/re-aging the debt. At this point I would just like it removed from my XXXX report and to not show up on any of my reports again because one shady company sold the debt to another shady company. 

All I know is the debt being reported is {$510.00} from XXXX from XXXX because that is the information reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NY

Complaint narrative:
I consolidated my federal student loans with XXXX. XXXX and XXXX are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I opened a line of credit with XXXX to pay off a credit card with higher interest rate. XXXX offered a XXXX interest. The amount on the credit line was XXXX but tally used XXXX to pay XXXX credit cards. In a matter of XXXX  months I paid over XXXX to XXXX and what is now showing as a balance with the company they sold my credit line to ( SST ) is over {$5000.00} with 19.49 % interest. 

I called SST to get the contract XXXX and they signed and to see exactly how much XXXX sold to them because the balance does not seem reasonable. Additionally, how can a company agree to 12.49 % interest and then sell the loan for a higher interest amount with out giving the consumer any other options before choosing to sell it. 

SST said they would email me the contract but that they could not change the interest rate. I did not receive the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft. XXXX XXXX XXXX with the balance of {$270.00} opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft. XXXX XXXX XXXX with the balance of {$270.00} opened on XX/XX/year>.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was never late. Attached is the proof of deferment and approved. And also XXXXXXXX XXXX XXXXXXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-10-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation.

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible.

Social security number you are reporting is inaccurate you have it ending in XXXX and my social is XXXX, you are reporting inaccurate information and thus are reporting inaccurate accounts! 
Address reporting inaccurate are : 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 XXXXXXXX XXXX XXXX Any inquiries not associated with an account are inaccurate and unauthorized.

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 2024-10-15 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my credit report. I have attached dispute letters along with an FTC identity theft report. & Police 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