vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: IL

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

Company 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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, other than records of convictions 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 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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, other than records of convictions 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 2025-01-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I notice on my credit report there are inquiries that I did not authorized. I believe i'm a victim of identity theft because of this and would like these inquires to be removed from my credit report. 

XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I called sunrise credit services to clear a debt that had shown up on my credit report. The debt was from an internet box that XXXX technicians had left behind because the first box did not work. After spending 2 days trying to get the service to work. XXXX gave up and said " i was too far from the source ''. I tried to give att the second box but they would not take it. 
I returned the second box, which told me to do XXXX via XXXX. This was done on XX/XX/XXXX XXXX the first time i noticed the dept was late summer 2024. 

all of this was communicated to sunrise credit.XXXX and some time in XXXX XXXX the sunrise operator told me I had to pay a 1 dollar fee to for him to access my information, reluctantly i did so only for him to say noting he can do. He gave me another number which he called " customer care team. that person told me I had to make a payment for them to do anything., I asked how much and her repose was XXXX my complaint is that this company not XXXX tried to resolve the debt. They could careless if the debt is real or false. The manor that they do so was deceptive and they do not have an address or Email or fax to send the proof of being a false debt.

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 2025-01-06 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.

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 2025-01-06 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXXas evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number 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 non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : 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 Fraudulent Inquiries : XXXX  Your failure to address this matter promptly leaves me with no choice but to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law.

I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
As of this date I have pulled all financial power of attorney from LVNV ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX for the state of XXXX As the principal of this account I have signed and do now pull all Power Of Attorney From LVNV ( Creditor ). This account is now closed to creditor. 

This Alleged Creditor Has Never Once Provided : 1. Chain Of Assignment Or Change Of Assignment 2. Date Of First Delinquency 3. Date Of Late Payment!

4. Or Proof Of Ownership Of This Alleged Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
Mohela is servicing my dept of education student loans and my XXXX student loans, both public and private. Mohela has not been able to provide me with any information on any of my loans for more than a year. I can't even see my account information online and I have requested info by email, through cfpb complaints, and over the phone. 

When I call mohela, the first rep always say that a senior rep has to handle it and then they transfer me to a line that never picks up. They do not return calls when using the automated call system or do not speak and then end the call. Today a rep who couldn't access my account gave me the number for the cfpb instead of the Mohela unit that manages the XXXX accounts, which she also said she was, but she couldn't see anything. 

Mohela and their XXXX held accounts owe me refunds for payments on XXXX XXXXXXXX XXXX loans that were cancelled through XXXX XXXX XXXX. The dept of Ed sent their refund, but not the mohela and XXXX held loans. 

Mohela is doing a horrible job at servicing the department of education student loan accounts and has the worst customer service I've ever experienced. And I dealt with XXXX for XXXX years, so that's saying a lot! 

I'd like a clear explanation of which of my loans are eligible for cancellation and refund, per the XXXX lawsuit, which payments are eligible for refund, the total refund, and when I can expect to receive the check. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover was selling off their student loanss to XXXX. They said we had loanss 60 days past due and we received nothing about these loans and when we called in they said they were in Forbearance. We were given the wrong information and nothing in writting. When we foundd out it may affect our credit score we paid everything in full over {$9000.00}. They said we would still be given a ding on our credit score. I have been self employed for XXXX  years with perfect credit and now as a co signer my credit is ruined for XXXX years. Discover will not work with us even with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.

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 2025-01-06 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: TX

Complaint narrative:
I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.

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 2025-01-06 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: Incomm Holdings Inc.
State: MA

Complaint narrative:
I purchased ten {$1000.00} visa gift cards from XXXX XXXX. These visa gift cards are issued by XXXX XXXX  and managed by Incomm. XXXX XXXX, XXXX and Incomm have conspired to make these gift cards almost impossible to use. 

First, they do not let you register these gift cards to a name or address. As a result, the gift card is frequently declined when trying to use online because it can not be verified against a name or zipcode. I asked XXXX XXXX  about registering the card and they said it is not possible. XXXX sells gift cards that you can not register online. XXXX even has a website for " card registration '' where it says " Planning to use your XXXX XXXX for online purchases? '' Yet, the visa card I bought can not be registered for online purchases. The link to this site is at : XXXX XXXX XXXXXXXX XXXX, XXXX and Incomm know that by not allowing someone to register the card they are making it very difficult to use the card online. 

Second, I used to be able to pay my income tax and property tax bills with these cards. Federal income taxes and my town accept credit cards for paying tax bills. XXXX XXXX, XXXX and Incomm apparently no longer allow these visa gift cards to be used for tax payments. This is not advertised to buyers of these card and no where in the terms of conditions does it say you can not use these cards for taxes. I would not have purchased these cards if I was aware of these limitations. 

I would strongly urge the CFPB to look into these issues. XXXX, XXXX and Incomm have almost certainly placed such onerous restrictions on these cards to make them hard to use and to obtain breakage. These types of practices are terrible for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains accounts that are incorrect and do not belong to me. This situation is not only unjust but also concerning, as I have never engaged with or authorized any actions related to these accounts. If these errors are not thoroughly investigated and corrected, I will be forced to seek legal recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains accounts that are incorrect and do not belong to me. This situation is not only unjust but also concerning, as I have never engaged with or authorized any actions related to these accounts. If these errors are not thoroughly investigated and corrected, I will be forced to seek legal recourse.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by an individual named " XXXX XXXX '' ( The " Fraudster ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/sale of illegal and outright fraudulent " service '' all of which aim at contributing to the goal of robbing and defrauding clients, through predetermined cycle of client losses to gains. 
Money was transferred from my account in the total of XXXX USD.

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 2025-01-06 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: CA

Complaint narrative:
These cards can not be used online for ANY purchases. Ive added to XXXX pay successfully, but even with that, NO purchases can be made online. I have made complaint after complaint and now have approx XXXX $ left on these cards that I will never use. 
This is all over the internet as a problem and can not figure out how to use these. I do not like shopping in stores very often and forget i have these BULGING in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I was contacted by IC System on XX/XX/year>, who advised me that I owed XXXX to XXXX XXXX XXXX in XXXX Indiana, which is my doctor 's office. They advised that they do not purchase debt, but the amount was owed to XXXX XXXX XXXX and they were attempting to collect on their behalf. I asked for a debt verification letter including any original contract or promissory note. I never received any such letter. 

I went to the doctor 's office on XX/XX/year>, and they advised that I do not owe any amount at this time as it is still going through insurance. On this day, I also called IC Systems back, then they immediately attempted to collect the amount again. I advised them to check with XXXX XXXX XXXX, as I had verified with them that I did not owe them anything at the time, and that if they continued to contact me I would be contacting an attorney, as this was a violation of the FDCPA. 

On XX/XX/XXXX, received a letter from IC systems advising the amount was past due, as asking for my attorney 's information. I contacted the billing department of the doctor, who advised me again that I do not owe any amount at this time, IC Systems is not affiliated with them, and they are most likely a scam. I have now placed a call to an attorney 's office to look into trying to get representation in this matter.

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