vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-10 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: IL

Complaint narrative:
his address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX TN XXXX and XXXX XXXX XXXX XXXX, TN XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. Please notify me in writing once the correction has been made or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
his address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX TN XXXX and XXXX XXXX XXXX XXXX, TN XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. Please notify me in writing once the correction has been made or if additional information is needed.

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 2025-01-10 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: SC

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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage is stating that I have an escrow shortage of {$6200.00} and of today and my payment will go up {$400.00} a month start in XXXX. I had a minor increase of {$14.00} to my insurance from last year and I they pay my insurance and taxes and I have never missed a payment. They can not explain why and said that they can not do an analysis at this time. Please tell me what I should do?

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Creditors I have never done business with are contacting me saying, I have debt with them. I have never signed or consented to any agreement. My information has been breached and I want these companies removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
i have inquiries in my credit report but not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities

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 2025-01-10 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: NJ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
The company tried to solve my previous complaint XXXX on XX/XX/XXXX unfortunately I made the mistake of providing my account number with an extra XXXX 
Have contacted the company through email and phone call to resolve my mistake but this time I'm not getting a response back. 

Have contacted the company through email and phone call but have not heard from them. 

I emailed XXXX XXXX an Executive Resolutions Team when he notified me that transaction XXXX XXXXXXXX was denied to correct my mistake but there is no response. 
Also emailed XXXX XXXX who was helping me but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
On XX/XX/year>, I received at XXXXXXXX XXXX a text message from Harris & Harris Collector. Their texted # XXXX. Their website : XXXX XXXX XXXX XXXX https : //hhcollect.co/Harris. 
Their website looked strange and there wasn't a space between Harris & Harris. In addition, I don't have any outstanding debts so I assume it was fraud and will report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2025-01-10 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2025-01-10 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: CA

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX while severely impacting my financial stability and everyday wellbeing.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I graduated this year from my final degree my XXXX. As it stands I had more than a decade of student loans between XXXXXXXX XXXX XXXX  and then my XXXX. Originally I was told that to get access to XXXX as a non-profit medical provider, I'd have to consolidate all of my loans, and I was approved for that under the XXXX plan. My application was received by MOHELA weeks before everything was put on pause in the courts. I got a letter stating they had put me under the standard repayment plan so I called and they were like oops ok no you don't own XXXX a month you are " in process '' in adminitrative forebearance since your application is in process but is now on hold. So they put me in " administrative forbearance '' since they have not yet been able to process that fully and start payments. Essentially I am in limbo and stuck. I just realized that my credit score is tanking because they are charging me almost XXXX XXXX dollars in interest in an ongoing manner because I can not make payments, my application is stuck due to the pause/freeze, and apparently interest is still acrugin instead of being applied off through XXXX since nothing is active yet so essentially I am being absolutely tortured by a huge loan and interest pilinig on even though I literally can not make payments, they can not process my application yet fully to start those, and its out of my control. I want to know if I have recourse as the interest they are charging is INSANE and I am stuck through no fault of my own just sitting watching it pile on and drive my credit score down constantly to the tune of XXXX points at a 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 2025-01-10 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: OH

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 2025-01-10 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: OH

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 2025-01-10 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: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: MO

Complaint narrative:
I downloaded the moneylion app on XX/XX/XXXX. They were offering money giveaways and once in the app, they offered rewards for gaming. So I earned said rewards ( with a few in game purchases to help hit the offered reward goals ) and tried to set up a XXXX account to be able to withdraw the rewards. Went through the process and was auto denied because my social didnt match the name on the account. I couldnt change it in app. So I called them after frustrating exchanges with a chat bot and talked to XXXX on XX/XX/XXXX. He at first said there was nothing I could do but then after being pressed, said I could change my name in the app if it was put in by accident ( typo ) I said that it was an accident since I didnt see a disclaimer saying the legal name should be used when signing up. I submitted the documents to them and was told the issue would be reviewed/resolved in XXXX business days. It was hard to keep track of that with the holidays so I counted and it had been over XXXX business days since I submitted the documents. So today XX/XX/XXXX I called them. I spoke with XXXX and explained the situation and requested a supervisor, after a few deflections and XXXX minutes of holding, I was transferred to XXXX XXXX I was essentially told that there was nothing he could do and that the information I was given from XXXX on XX/XX/XXXX was false. I mentioned the documents to him but those had no weight in the situation since I put the name XXXX ( legal middle name XXXX which Ive gone by my entire life ) when signing up for the app. Nothing could be done. No resolution was reached or even attempted. I mentioned that when trying to sign up for the XXXX account there was a disclaimer for the ssn # saying it couldnt be changed in the future. I asked why I didnt notice a disclaimer for the name when signing up for the MoneyLion app and was basically blamed for not using my legal name which is the root of the issue. 
Complaint reference number : # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am co-signed on my sons student loan and have been getting calls from Mohela 6 times a day? research mentions XXXX rule? I believe this should be covered. They have called every day for the last 9 days and I have gotten XXXX so far today? No message just constend calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 non-monetary relief
Consumer complaint received 2025-01-10 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 open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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