vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed my credit report in XXXX of 2023 and found that I had been a victim of Identity Theft. I found a XXXX Credit Card with a balance of nearly {$2000.00} which did not belong to me. I filed a FTC report and police report, I sent these and contacted XXXX Bank but have not had any communication or resolve the issue in more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received an American Express gift card from my employer as a XXXX gift. So far I have not been able to use the gift card via XXXX XXXX or XXXX, or directly through XXXX or XXXX. I am also not able to check my card balance online due to a system error despite trying on XXXX or XXXX different devices and operating systems. As far as I'm concerned Amex is holding the money XXXX. My employer used their points to purchase the card so right now Amex is in possession of both the value of those points as well as the value of the gift card. They need to figure out a way to make this money usable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently found out I was a victim of the XXXX XXXX XXXX and my personal information was compromised leading to improper use of my credit report which in return caused incomplete and inaccurate fraudulent information to appear on my consumer reports.

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 2024-12-07 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: WA

Complaint narrative:
On Saturday XX/XX/year> I was informed that my Student Loans, handled by Mohela, were placed into a forbearance. Part of this E-mail notified me that interest would not accrue during the duration of the forbearance. 

On Tuesday XX/XX/year> I received another E-mail from Mohela notifying me that interest accrues during forbearance, even though it is not supposed to be accruing at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NV

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XX/XX/year> - Amount : $ XXXX Fraudulent Inquiries : XXXX ( XX/XX/year> ) 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 FIN ( 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 explanation
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I have filed complaint # XXXX concerning my non public personal information being shared by a financial institution, XXXX XXXX Bank XXXX XXXX Under the provisions of 15 USC 6802 of the XXXX XXXX I am exercising my right to not share my non public personal information. Please see original complaint and letter sent to the financial institution ( 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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided proper validation Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
Proof means providing me a signed legal binding contract with them, proof they actually funded monies and or services and exact $ $ amount if any. Exact dates, times and any binding information to prove there is a legally binding contract in place. 

I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed, they either pay me or delete the account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX INACCURARCIES DISPUTE Dear Customer Service Agent, This is a dispute correspondence in reference to account number, xxxxx with Progressive. Upon reviewing my credit reports I became aware of inaccuracies. 

Under the FCRA, I am entitled to a fair and accurate credit report. Therefore, due to the misrepresentation of the loan type and other inaccuracies, I request the following paid account is deleted from all credit bureaus reports. If the account is not removed, I will file a complaint with the Consumer Financial Protection Bureau. 

I submitted a dispute with the Transunion. The account was verified. Instead of Transunion investigating thoroughly, Transunion continuously report the account with missing AND inaccurate information. Due to my own investigation, I was able to find the discrepancies and missing information. Please review the highlighted information in the attached supporting documents.

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 2024-12-07 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: NJ

Complaint narrative:
In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on TransUnion and XXXX for the month of [ XX/XX/year> ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from IdentityIQ, showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my XXXX XXXX and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.

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 2024-12-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on XXXX and XXXX for the month of [ XX/XX/2024 ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from XXXX showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my credit score and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on XXXX and Experian for the month of [XX/XX/2024 ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from XXXX, showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my credit score and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.

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 2024-12-07 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collection that I did not approve anyone to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collection and charge off that I did not approve anyone to pull my 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 non-monetary relief
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX - XXXX XXXX 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While reviewing my latest credit report, I discovered unauthorized accounts that I believe were added in error. Please remove and block these accounts promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XXXX - Amount : XXXX XXXX Fraudulent Inquiries : 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 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XXXX - Amount : XXXX XXXX Fraudulent Inquiries : 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 2024-12-07 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: FL

Complaint narrative:
Upon carefully reviewing my credit report, I identified several errors. The late payments listed are inconsistent with my reliable payment history. Please correct these inaccuracies and make the necessary updates to my 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 2024-12-07 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: TX

Complaint narrative:
My credit report shows unauthorized hard inquiries, violating 15 USC 16c-2. These entries are incorrect and hurting my credit. Kindly delete them promptly.

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 2024-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collections, charged off and closed accounts that I did not approve anyone to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX  - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX - 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.

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 2024-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Unauthorized Inquiries : 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.

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 2024-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive identified incorrect information on my credit report in violation of 15 USC 16c-2. These unauthorized hard inquiries are affecting my credit and should be removed immediately.

Company response to consumer: Closed with explanation