vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I discovered that Affirm Inc. had reported a fraudulent account under my name to the credit bureaus. The account number XXXX was reported without my authorization, and after contacting Affirm Inc., a representative confirmed that the account did not match my personal information and was fraudulent. Subsequently, XXXX removed this fraudulent account from my credit report. 

However, despite this resolution, in XX/XX/year>, Affirm Inc. reported another fraudulent account under my name, this time with account number XXXX. I contacted Affirm Inc. again, referencing their identity theft dispute case number XXXX, but the fraudulent account remains on my credit report. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ). 
I also have recorded telephone conversations from AFFIRM INC. stating that he will flag the account as fraudulent. 

I have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and contacting the credit bureaus, yet Affirm continues to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: IN

Complaint narrative:
There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from XXXX XXXX XXXX is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from XXXX XXXX XXXX is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
I submitted a dispute for an account listed on my Credit Report as XXXX XXXX XXXX due to MULTIPLE FCRA violations and multiple and XXXX XXXX compliance violations as described in the XXXX 's XXXX. Experian resolved my dispute and stated that the account will remain on my credit report, without providing any context as to how they came to this conclusion. As of XX/XX/year>, this account is out of compliance with FCRA and the XXXX XXXX reporting guidelines. The account is also being reported with inconsistencies and discrepancies across XXXX, Experian, and XXXX such as The Date Last Active XXXX, Account Status XXXX, and Date Opened XXXX of which ALL of them are reporting inaccurately. I request information on how Experian validated this information? These reporting discrepancies are outside of FCRA the XXXX 's XXXX compliance. Unless this account is deleted from my credit report, my next communication with Experian will be a formal notification of my intent to take legal action against the company, known as a XXXX notice. Experian must demonstrate full compliance with all requirements and standards of FCRA and XXXX 's XXXX Compliance mandates. Please see the attached report for a complete list of violations, inconsistencies and discrepancies related to this account.I al

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX from Chase. I have excellent credit and have never been late on a payment. I was denied because I have applied for and opened XXXX credit cards in the last 2 years. I have reviewed the Terms and Conditions associated with this credit card and there is no mention of a rule that says you can only open up to XXXX credit cards in the last XXXX years. I consider this false advertising as I made application not knowing that an undisclosed rule would exclude me. Besides the time wasted, my Credit Score was lowered by a hard inquiry that I couldn't have possibly known would end in a rejection. Since Chase has made a hard inquiry on my Credit Account and seen that my credit is excellent, I ask that they reconsider my application for this card and provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MN

Complaint narrative:
A XXXX XXXX  appears to be opened in my name XX/XX/year>, I am not responsible for this debt. please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: MN

Complaint narrative:
A XXXX XXXX  appears to be opened in my name XX/XX/year>, I am not responsible for this debt. please remove it 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 2024-10-24 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/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 2024-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I FILED A COMPLAINT ON XX/XX/year> TO XXXX, XXXX AND EXPERIAN REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.

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 2024-10-24 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXXXX XX/XX/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 2024-10-24 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: TX

Complaint narrative:
I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.

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 2024-10-24 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: MN

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
My recent statement for my XXXX XXXX rewards card account cycled and it is still reflecting the APR interest of 30.24 % which is the same prior to the Federal Reserve interest rate decrease and it should be reflecting 29.74 % instead therefore I am being overcharged

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.

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 2024-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
XXXX  offer programs to discharge student private loans from school by not only found but been charged guilty for illegal fraudulent practices. My forms was sent to them multiple times from XX/XX/XXXX to XXXX and replied to me that it will take 60 days to complete. They betray my consumer trust on handling it properly by transfer my private students loan to Mohela company whom already under scrutiny for mishandling student loans, and later discover they denied my school discharge form. Mohela doesnt have those type of programs which does explain it, meaning XXXX illegally transfer my loans and broke promises to freeze my transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MA

Complaint narrative:
My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in wenger v.trans union corp, no 95-6445 ( C.D.Cal.nov. 14, 1995 ), you may be liable for willfulw non-compliance.

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 2024-10-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXXXXXX  ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 1 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for willfulw non-compliance.

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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone opened a best buy credit card and charged XXXX dollars to the account. I never opened the account and have not used best buy in over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my 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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
Interest capitalization events occurred on the 10 loans serviced by Mohela on XX/XX/year>XXXX  and XX/XX/year>. These loans are in an administrative forbearance due to court issued injunctions. {$12000.00} in interest was incorrectly capitalizied on my account causing balances to increase. Please correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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 need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.

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