vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: MI

Complaint narrative:
I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXXXXXX XXXX XXXX  from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX XXXXXXXX XXXX XXXX verified the account as accurate, but I do not understand how they could have done that. I have also gotten XXXX help from XXXX XXXX XXXX and they have not been able to provide me with any information even after I have sent them letter disputing account.

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 2024-06-07 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete and remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name XXXX XXXX Account number - XXXX Amount- {$1100.00} Account Name XXXX XXXX Account number - XXXX Amount- {$820.00} Account Name XXXXXXXX XXXX  Account number - XXXX Amount- {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-06-07 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I made a {$500.00} payment XX/XX/year>, which went through with no issues. I made another payment to pay off the remainder ( {$2300.00} ) of my highest interest loan XX/XX/year>. I received a payment confirmation. When I logged into my account 2 weeks later, I saw that the payment had been " reversed. '' I made another payment, this time for only {$300.00} on XX/XX/year>. This payment went through initially and I received a payment confirmation. Then a " payment reversal '' for {$200.00} was posted. I attempted payments 3 additional times, paying the minimum I owed one time, paying one loan in its entirety another time, and paying a different amount the third time. I received confirmations for all payments, then the payments were all reversed. I have received emails saying my participation in auto pay has been removed. I never signed up for auto pay. On the Mohela website it states that you can " make a one-time payment, online, anytime. '' This is what I have been trying to do, so it should not have anything to do with my participation in auto pay ( which again, I never signed up for ). I feel like this is at best gross incompetence on the part of the servicer and at worse, a deliberate attempt to prevent me from paying off my loans. I now have " missed '' a payment, and have accrued interest on loans that I have tried multiple times to pay in full, using a payment method that previously worked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
He lived in XXXXXXXX XXXX  and when we left the house we cleaned the house and have proof of it, still they charged us un-fairly for cleaning charges. 
I have reached out to them but they never gave me proof and i have proof of hiuse cleanup, attacjed here.

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 2024-06-07 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: CA

Complaint narrative:
I informed them several times I did not do any of these. I didn't ok any of these inquiries.i called multiple times as well as put an alert and hold so no one could run my credit without me being called first. But of course they didn't put it on my credit so that it could be stopped

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 2024-06-07 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXXXXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE XXXX - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from 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 2024-06-07 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: CT

Complaint narrative:
XXXX XXXX  XXXX / XXXX Account Number - XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I requested debt validation from the company. I did not receive any validation, however this company deleted this account from my credit report. About two months later, this account was reported onto my credit file again and I have not received any debt validation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
They never complied with the rights of the consumer which is me I have been sending complaint information back and forth to all these peoples including y'all and it's not been resolved

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
They never complied with the rights of the consumer which is me I have been sending complaint information back and forth to all these peoples including y'all and it's not been resolved

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> made multiple attempts to contact Experian by phone for a credit freeze lift. Automated phone system has no option to speak with a person. The same system states " you can lift a credit freeze anytime by visiting the website or on the phone '' It then offers me the option to initiate a freeze, or request a credit report, and nothing else. No automated option to lift the freeze, no option to speak with a human. 

This is preventing me from obtaining mortgage approval and causing me financial harm. 

This is abominable service from a company that has total control over aspects of our lives. CFPB Please do something to correct this terrible corporate behavior.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a {$2400.00} charged from a rental car company posted to my account while the card was locked. Then I noticed that the same rental car company has been trying to charge my card going back until XX/XX/XXXX but those charges was declined. I reported on the same day to my bank which is Found Bank. They started their investigation. Everything they asked of me I did. Found Bank only does fraud disputes via email. There is no way possible to speak to someone at Found Bank by phone. Which is very frustrating. The bank allowed the transaction the go threw even though the card was locked and now they are trying to put the blame on me. I reached out to the rental car company to notify them that those was unauthorized transaction. They stated that by the charge being so large that the local office could not reverse it, I had to get my bank to dispute the charge and they will notate the account that the charge was unauthorized. I kept reaching out to my bank to get frequent updates. On the XXXX business day, which is XX/XX/ 2024 of the investigation I emailed the fraud department and requested provisional credit or for them to take {$50.00} out my account since that's all the liability that's mine since I reported it the same day it posted. They responded with they are still investigating and asked me some more questions about the charges. I told them that every transaction whether went through or declined was unauthorized and they asked for more document. I told them I can comply with that but to still put the provisional credit towards my account while they are still investigating. Found bank never responded back. All I was asking was for them to follow the law about when it comes to investing fraud disputes by putting the provisional credit towards my account while they still investigate pass 10 days. They are holding my business up. I need this matter rectified immediately cause it has my account in the negative and now the are threatening to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In early XX/XX/XXXX I contacted Capital One to inquire about applying for a Venture XXXX credit card that was advertised as having a 0 % fee for approximately 15 months, and that 0 % applied to balance transfers. I spoke to a company rep who confirmed that I could do a balance transfer up until XX/XX/XXXX. I explained to her that was the whole reason I was willing to apply. I told her I would do the transfer immediately, even though the other balance was not coming due until XX/XX/XXXX, but she said I could wait until XX/XX/XXXX because the 0 % on balance transfers would be available until XX/XX/XXXX. Based on this, I applied for and was approved for {$20000.00} credit. In the application I specifically stated that I was applying in order to transfer the balance of the XXXX  XXXX XXXX credit card to this new card. I was told that the balance transfer benefit could not be activated until 11 days after account opening. So, I was in no rush. In early XXXX I contacted the company to find out by when I should initiate the balance transfer process in order to make sure the other XXXX  XXXX XXXX credit card balance was paid off in time ( by XX/XX/XXXX ). The rep looked and said that she could no longer see the balance transfer offer on my account. She then looked at the details of my account and confirmed that the terms stated that I would have a 0 % rate on balance transfers that were completed by XX/XX/XXXX. Accordingly, she said she would escalate this matter to the XXXX XXXX XXXX XXXX and she assured me it shouldn't be a problem getting it approved. Today, XX/XX/XXXX, the Supervisor of the Capital One XXXX XXXX XXXX XXXX called me and said the balance transfer offer was no longer available on my account, and she could not explain why it was no longer there! When I said I wanted to escalate this matter to her XXXX, she said her XXXX  do not accept calls from customers, and that she was the only one who could resolve it, but she had no authority or power to resolve this issue despite acknowledging how frustrating this must be for me. This was a bait and switch! A prime example of an unfair business practice. I relied on the 0 % balance transfer in applying for the Venture XXXX credit card despite knowing it would be a " ding '' on my credit history. The terms that were advertised and that were confirmed by several company representative were inexplicably reversed and the company can not even explain why. Capital One, if they value their reputation in the marketplace, should honor the terms I relied upon in opening an account with them. Respectfully ( but angrily ) submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
i would like the negative account reporting on my credit to be removed, it should not be there

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