vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law

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 2025-01-02 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: LA

Complaint narrative:
I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-02 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: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-01-02 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: OCMBC, Inc
State: TX

Complaint narrative:
I closed on a house with XXXX XXXX XXXX in XXXX of 2024 with the first payment of {$3900.00} due on XX/XX/2024. 

On XX/XX/2024, I made a {$2000.00} partial payment to XXXX XXXX. 

On XX/XX/2024, I received a letter from XXXX XXXX saying they had sold my loan to OCMBC Loan Stream. 

On XX/XX/2024, I made another {$2000.00} partial payment to OCMBC Loan Stream, meaning I paid {$4000.00} total for the XX/XX/2024 due date. I called OCMBC the same day explaining the partial payments and asked if the over payment of {$56.00} would be applied to the principle, and they told me yes. 

On XX/XX/2024, I received a letter from OCMBC Loan Stream saying they had sold my loan to XXXX XXXX, 12 days after they became my servicer. 

XXXX XXXX  only showed that I had paid {$3900.00} for the XX/XX/2024 due date, and the over payment was not applied anywhere. They told me to contact OCMBC and find out where the {$56.00} went, but OCMBC told me the loan had been sold and they had transferred everything. Both companies gave me the round-around and no one wants to help. I understand {$56.00} is not a large amount, but I did not appreciate these mortgage servicers not doing their job and stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AL

Complaint narrative:
Dear Mohela, I am writing to formally dispute an incorrect late payment that appears on my credit report. Upon reviewing my report, I noticed that a late payment was reported for XXXX and XXXX. I believe this information is inaccurate and request that it be corrected or removed as soon as possible. 

I kindly ask that you investigate this matter thoroughly. If you find that the late payment was reported in error, please update your records and notify the credit bureaus of the correction. Additionally, I would appreciate receiving written confirmation once this issue has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. Please consider this letter my formal request for an investigation and resolution of this issue. 

If you require any further information or documentation, please do not hesitate to contact me at XXXX. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: DE

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, On or about XX/XX/year>, I deposited a check for {$3000.00} into a Chase ATM. The following day, I discovered that my account had been closed without my knowledge. Upon contacting Chase customer service, I was informed that the account closure was due to inactivity for 60 days. I was advised that a cashier 's check would be mailed to my address within 7-10 business days. However, after this period elapsed without receiving the check, I called again and was told that a legal copy of the check would be sent within another 7-10 business days. After waiting again without resolution, I visited a branch on XXXX XXXX, where a manager contacted customer service on my behalf. I was informed that a claim had not been filed, and the representative filed one for me, assuring that I would receive my funds within 1-2 business days. After waiting an additional day without receiving the funds, I called again, only to be told to wait another day. Despite multiple requests to speak with a supervisor, I was repeatedly assured that my funds would be forthcoming, yet they never arrived. I was informed that the funds had been mistakenly issued to the closed account, raising concerns about how funds could be deposited into an account that was no longer active. On XX/XX/year>, I was told that my funds should arrive by XX/XX/XXXX. On XX/XX/XXXX, I found that no funds had been deposited into my account. After contacting Chase for the twentieth time, I was informed that the check had been returned to the issuer on XX/XX/year>. If the check was indeed returned on that date, I question why every representative I spoke with assured me that my funds would be forthcoming. It is unacceptable that I was misled for over a month, especially as a single mother of XXXX. The lack of thoroughness in reviewing my case and providing accurate information is concerning. I urgently needed these funds, and this situation could have been resolved weeks ago. I feel that no one was competent enough to manage my case, as I was consistently given false information. I intend to file a formal complaint, as this experience is entirely unjust. Following the change of my direct deposit, I will be closing my remaining accounts, as this has been an unprecedented and disappointing experience with a bank that clearly lacks concern for its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-02 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 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:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My information was exposed in a data breach XX/XX/year> and will like a deletion of incorrect information. 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit 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 2025-01-02 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: NY

Complaint narrative:
Im utterly confused and distressed after discovering inaccurate accounts on my credit report today. I checked my report as I usually do, but this time, there were errors that make no sense to me. I tried refreshing the page, thinking it might just be a technical error, but the discrepancies didnt go away. Please, I urge you to thoroughly examine the documents Ive submitted to resolve this issue once and for all.

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 2025-01-02 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:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach.

The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : 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

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 2025-01-02 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:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : 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

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 2025-01-02 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2025-01-02 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2025-01-02 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal helding my XXXX dallar. i call and ask when i can had those money back. paypal tell me to wait until they feel like to let me had my money back. i say i will sue and call the police. they say go head.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX and a separate account with Navy Federal Credit Union. However, I have never authorized Navy Federal Credit Union to report any information about my XXXX XXXX XXXX XXXX account to XXXX or any other credit bureau. 

After speaking with an XXXX representative, it was brought to my attention that Navy Federal Credit Union has been reporting my XXXX XXXX XXXX XXXX account information to XXXX without my consent. Furthermore, the information they are reporting is inaccurate. Specifically, they have reported a balance of {$2100.00} for my XXXX account, which is incorrect. The actual balance is {$1900.00}. This unauthorized reporting constitutes a breach of my privacy and has been flagged as fraudulent. 

Additionally, I noticed another discrepancy involving a company called XXXX XXXX. This company has reported a collection account on my credit report to XXXX, claiming it is a recent debt. However, this account was fully paid off in 2019. It is fraudulent and misleading for them to report it as a new debt within the past three months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XX/XX/year> ], the following information was removed from my credit report : Creditor 's Name : [ XXXX ] Account Number : [ XXXX ] Date of Deletion : [ XX/XX/year> ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion.

2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

Sincerely, 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 non-monetary relief