vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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.

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Incorrect Negative Account on My Credit Report Due to Identity Theft Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an erroneous account appearing on my credit report, which I believe to be a result of identity theft. I am requesting the immediate deletion of this account from my consumer reports. 

Details of the Incorrect Account : Credit Acceptance Date Reported : Assuming the date on my credit report is correct date open shows XXXX of 2018. 

Upon thorough examination of my credit report, I discovered an account that I neither recognize nor have any association with. This account is being reported as a negative item, significantly impacting my credit score and financial standing. Subsequent investigation and communication with the creditor have confirmed that this account is the result of identity theft. 

Despite taking immediate action to dispute the fraudulent account and providing evidence of the identity theft, it remains on my credit report, posing a severe threat to my financial reputation and well-being. 

The inclusion of this fraudulent account on my credit report is not only unjust but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I am entitled to accurate and up-to-date information on my credit report, and the presence of this fraudulent account undermines this fundamental right. 

Request for Action : I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and facilitate the expeditious removal of the fraudulent account from my consumer reports. The continued presence of this erroneous account not only damages my financial credibility but also exposes me to potential financial liabilities that I am not responsible for. 

Enclosed with this letter are copies of relevant documentation, including the police report, correspondence with the creditor, and my credit report highlighting the erroneous account, for your review and investigation. 

I urge the CFPB to take prompt and decisive action to rectify this situation and restore the accuracy and integrity of my credit report. I kindly request that you keep me informed of any actions taken to address this matter. 

Thank you for your attention to this urgent issue. I appreciate your assistance in resolving this matter swiftly and effectively.

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 monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-03-26 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXXXXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Celtic Bank /Continental these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a refund on a XXXX airline flight that was purchased with Chase XXXX. They owe me the money for the refund amount of {$800.00} since the money transfer process is completed from XXXX 's account. The refund was bounced back to a Chase mastercard that I do not owe- its a corporate MasterCard. I have been in contact with Chase XXXX to locate this refund for 2 months without success. The Chase customer service is unhelpful and unresponsive. I have tried to contact them through X ( XXXX ), filed a complaint with Chase, and called them 5 times already. Each call ends with a scheduled call back that they never end up doing. Chase bank owes me the {$800.00} with interest since XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-25 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: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-26 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: MA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a legal separation from my wife since XXXX. One of the stipulations was that upon the XXXX XXXX turning XXXX the house was to be sold and XXXX would have the first right to purchase it. 
When XXXX, my XXXX  child turned XXXX and since he was just starting XXXX, I did not push to have the house sold and I figured that when my case went before a judge after taking into account was that I put the initial {$10000.00} down payment, paid the mortgage for 5 years and put {$40000.00} in reparations and updates into the account I also owed her {$10000.00} at XXXX statutory interest and so that would have been at least {$25000.00}. She was responsible for all mortgage payments since XXXX and so I really didn't think I would even get {$100000.00} but I was Ok with that. 
But she decided to submit an application to refinance the house, with only {$47000.00} left before it was paid off, because she was laid off from her job in XXXX and had no income, she made out the application claiming we were married, that I lived at the same address and that it would be my primary residency, she did not put down that she was receiving alimony because then her being married would be a lie, she knew all my personal info- XXXX XXXX, mothers maiden name place of birth,, date of birth etc. and she forged my signature. The same day I was looking at apts, because after living at XXXX XXXX XXXX XXXX XXXX XXXX I decided to rent an XXXX XXXX so from about XXXX to XXXX I was shown about 7 apts and then I signed a lease agreement about XXXX at the rental office on XXXX XXXX. The date that I signed the lease agreement was XX/XX/XXXX and I allegedly helped fill out an application to refinance the property at XXXX XXXX XXXX and signed it and from what I understand this occurred during the same time that I was looking at apts and signing a lease She did get the refinance on the house and the amount was for {$150000.00} and she paid off the existing loan and put {$100000.00} into her bank account, after all she was unemployed so now she had money to make her mortgage payments. 
I did not know about this until about 18 months ago.I saw that there was a new mortgage listed on my credit reports for 30 years and she had given them no information to be contacted in case of a default. She has also taken out at least 10 credit cards, using my identity, from Chase and I believe that she has opened and closed as many as 20 credit card accounts with other companies and she is not stopping, because even when I am declined my credit score goes down. 

The main point of the comm is that I never took out a mortgage with XXXX XXXX XXXX XXXX have submitted all my evidence to Chase but yet have not received a reply from them. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
OneMain expected its employees to upsell borrowers on every loan. Employees were incentivized to push more products, and company training materials directed them to upsell them even when consumers had already declined the products on previous loans. Salespeople were evaluated on the basis of their sales rate and could even be fired if they did not upsell enough. 

The CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I discovered an inquiry that I believe is inaccurate and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-03-25 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: NY

Complaint narrative:
I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a letter as well as my Identification

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 2024-03-25 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: NY

Complaint narrative:
I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a letter as well as my Identification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My student loans at Mohela are currently in paid ahead status until XXXX  2024. Because of this, I suspended my monthly auto debit payments for XXXX 2024 by calling Mohela directly . The XXXX payment was never taken out. However, the XXXX payment of {$230.00} was debited from my account on XX/XX/XXXX, despite being told by a Mohela rep that that would not happen. I contacted Mohela about getting a refund on XX/XX/XXXX, but never got a response. I tried contacting them again on XX/XX/XXXX after giving them several weeks to respond, and sat on hold for XXXX hours, despite not calling during peak hours. This is my regular experience with Mohela. Extremely long holds just for mediocre service. You even have to click through multiple prompts ( about XXXX minutes worth ) just to get in line for a live human. As soon as someone finally took me off hold, their call center closed and the call was dropped. Can you please help me get this refund and urge Mohela to hire more reps for their call centers? Going through this on a regular basis with them is extremely demoralizing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. Experian, XXXX and XXXX are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law. 

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).

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 2024-03-25 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: TN

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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