vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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 have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over 6 years old as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

XXXX XXXX XXXX  DATE OF LAST ACTIVITY XXXX XXXX XXXX ( INACCURATE REPORTING AS. WELL.. 

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 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: AmeriCollect
State: NC

Complaint narrative:
Americollect INC has failed to provide me with adequate paperwork showing that I am reliable for this debt. I have asked for a contract I signed and proof of identity or paperwork indicating I am reliable for the invalid information, I have still yet to receive anything. This is not a credit transaction and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
It is a late payment being reporting on my credit report from Macys/CBNA Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost Macys/CBNA thousands of dollars in fees. 

Again please update my payment history to paid on time.

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 2024-04-28 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: AL

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-04-28 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: AL

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
LIGHTSTREAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did report to all three Credit bureau and show each one the documentation about identity theft now I have so many different things on my credit report that I didnt put on there and in accurate information that I did not do and I have no knowledge of

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My Equifax credit report is not showing up on my credit report, and because of that result Im unable to get funding or approved for things I should be able to get approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have noticed the company that I am a victim of identity theft and someone has used my SSN for personal gain and I have still yet to get proof legally this belongs to me. I have no knowledge of this account and this needs to be removed from my credit files. I contacted National Credit Systems and was told they are a debt agency. This is not a credit transaction and I need proof of this debt showing I am reliable. I asked for purchase agreement and my drivers license, the representative hung up on me. My next step is consulting with an attorney because it is illegal, and the deceptive business practices will not be pushed under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MO

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: LA

Complaint narrative:
Mohela sent me an electronic statement in XX/XX/year> listing a payment due in the amount of {$150.00} and a due date of XX/XX/XXXX. I made this payment paid in full in the amount of {$150.00} on XX/XX/year>. This payment was withdrawn from my bank account but Mohela has yet to post this payment to my account showing a balance of {$150.00} past due. I have attempted to resolve this matter via customer service phone number numerous times, through their secure message center, and through the XXXX XXXX XXXX. They have refused to speak with the XXXX or respond to my messages on the secure message center, and each time I speak to the customer service line they tell me they will submit a ticket to locate the payment and provide no resolve. I am now receiving emails stating my account is past due requesting I make a payment in the amount I have already paid. I have attached a copy of my bank statement showing the amount withdrawn from my account. I have also attached a copy of Mohela 's response to the XXXX complaint stating they will contact me directly, though no contact attempts have been made from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company - XXXX XXXX CC Fees charged- XXXX in XX/XX/2024 Late fees XXXX {$120.00} Reported late to credit bureau in XXXX and XX/XX/2024 XXXX XXXX - cancelled card. All fees reversed. 

XXXX XXXX credit bureau shows 30 day late ding on my credit report. 

I submitted a dispute unsuccessfully with XXXX  which was closed as of XX/XX/2024 without a satisfactory resolution. 

I am requesting a fair and just resolution to the charges that lead to my injured credit report. I care deeply about my financial reputation. I do not feel I should have a bruised reputation over a credit card companys yearly fees from a card that was dormant for years.

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 2024-04-28 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: MD

Complaint narrative:
On XX/XX/XXXX, MOHELA placed an administrative forbearance on my account. I wished to make a complete monthly payment on time on XX/XX/XXXX, my monthly deadline, but since the forbearance changed my amount due to {$0.00} I did not make a payment because I want all of my payments to count toward my PSLF. It is my understanding from information I am able to find online ( not from MOHELA ) that payments made during a forbearance period do not count toward PSLF plans. 

On XX/XX/XXXX, I messaged MOHELA the folllowing : Hello- I logged in to make my payment and I see a " processing forbearance '' has been placed on my account. Why did this happen? Do the months I am on forbearance count toward PSLF? Do I accrue interest against the loan balance during this time? If I accrue interest during this time and/or these months I am on forbearance do not qualify for PSLF, then I would like to request the forbearance be removed immediately so that I can stay on track with my monthly payments. Thank you for your assistance, XXXX I messaged since due to my job hours I am unable to call customer service during their main operating hours. They messaged me back on XX/XX/XXXX providing no information in regard to my questions asking me to call Customer Service. Despite the difficulties in making the calls during their business hours, I tried to do so but was never able to get ahold of an agent after being placed on very long holds and having to hang up to go back to work. 

In the meantime, a second month has now passed during which I could not make progress toward my PSLF. This is not fair as I was fully prepared to make complete payments on time and did not ask for, and clearly objected, to being placed on forbearance. 

I would like the administrative forbearance to be removed immediately, to return to my IDR plan as structured prior to forbearance, and to keep making payments that count toward my PSLF plan. 

Thank you for your assistance, 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 2024-04-28 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:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

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 2024-04-28 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: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: AL

Complaint narrative:
A checking account with PNC bank was opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I sent money transfer of {$2000.00} through Taptap send to my sister for medical help in XXXX XXXX which was to be received the same day. I did not get any confirmation response from the company so I called to verify and I was told they were having some technical issues with their partner in XXXX and therefore will send an email confirmation after the transaction is complete and that I can not cancel until all transaction complete. I called my bank and informed them about it but was told they had already made the transfer and all I can do was to wait. On the XXXX of XX/XX/year>, both my sister and I received an email that the money was ready for pickup with the transaction PIN number. My sister visited her bank five time and was told there's no record of any transfer to her account from Taptap send. I called the company again and was told the case is under investigation for a refund since my sister accidentally gave me her old account number. Just can't understand why it should take that long to get my refund back and need your help

Company response to consumer: Closed with explanation