vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX #, XXXX which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX Account XXXX : XXXX account from my credit report. XXXX. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within XXXX calendar days, as required by law. Please confirm receipt of this letter in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5700.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$610.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account XXXX XXXX date XXXX XX/XX/XXXX bal. {$0.00}. 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Back in end of XXXX I got a notification that my credit card was used for a purchase. I did not make this purchase, and I called my credit card company right away. They closed that card, and sent me a new one. I started my dispute with them, and gave them all of my information. They ended up denying my claim, so I sent in a second request, and also sent over video/camera evidence for them to prove it wasn't me. I have been a credit card customer with them since XXXX, and have one had to dispute two things ever. They ended up denying the second claim stating that the company said I made the purchase myself, when I did not. Transaction date - XX/XX/XXXX, amount- {$600.00}. My credit card company - Fifth Third Bank. XXXX XXXX - XXXX XXXX XXXX. Now, the video and camera evidence was sent to show them I was never at the game, those have the time/date stamp on them. I have been doing great business with them for years, and I feel cheated that they didn't help me out. I called within five minutes when I got a notification on a charge that was not me. Also during this whole process I have been hung up on at least 10 times trying to get a hold of the team. I never knew my second claim was denied until I called about it. Per law, they need to send out mail stating this. All they did was re add the charge and finance on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In late XXXX XXXX XXXX I closed my account with XXXX XXXX. In late XXXX I received a card from XXXX XXXX XXXX  and I called to again advise them the account had been closed and was not used whatsoever. They apologized for the error. 
In XXXXXXXX XXXX XXXX I was advised by XXXX XXXX and Experian that I had been marked with an overdue payment from XXXX XXXX XXXX. I contacted XXXX XXXX immediately and they told me they would correct the error. I also submitted an appeal to XXXX XXXX and Experian regarding the incident to correct my report. They have advised I must submit a complaint to CFPB along with supporting documents of this concern. This error has had a substantial impact on my credit score affecting job applications and financing to the negative in my character.

Primary points 1 Card was cancelled and paid in full in XXXXXXXX XXXX XXXX 
XXXX A New card was issued without my request or authorization and has never been activated or used. 
XXXX XXXX XXXX charged me a fee and interest which I protested and they did in fact make the adjustments, however, they did not correct the late charge reporting with credit reporting agencies. 
XXXX XXXX XXXX has opened an appeal on my behalf today, with a request to report the incident to CFPB and send them a copy of the complaint by US Mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/year>, I received the attached email, notifying me that my XXXX billing statement was sent beyond the normal 21 days prior to the due date. Shortly, thereafter I contacted Mohela and confirmed this statement : If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you may contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month.

Mohela confirmed that I was owed a refund and would process the refund. I was never paid this refund. 

In XX/XX/year>, my account was transferred to XXXX. XXXX has also not given me this refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT MEDIATION XXXX {$840.00} I have reached out to this creditor on several occasions, this account is reading that I owe {$840.00}. I don't owe them any money and would like to have this account removed from my credit report. They have failed to provide me with any information of a breakdown or reason why this account is showing on my credit report. I've reached out to them for a validation letter including any type of information providing this account belongs to me. My information was involved in a data breach and I'm afraid this account was a result of that unfortunate circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against XXXX, TransUnion and XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to XXXX, TransUnion and XXXX for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, XXXX, TransUnion and XXXX has failed to provide the required documentation or a valid explanation within the legally mandated time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against XXXX, XXXX and Equifax for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to XXXX, XXXX and Equifax for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, XXXX, XXXX and Equifax has failed to provide the required documentation or a valid explanation within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: RICHLAND LOAN PROCESSING CENTER, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the account listed under my name with XXXX XXXX. While I am currently enrolled at XXXX XXXX, I believe I have been a victim of identity theft. The account in question was created fraudulently, without my authorization or consent. 

Details of the Fraudulent Account : Creditor XXXX XXXX XXXX Current Balance : {$3500.00} Account Type : Education Loan Date Opened : XX/XX/year> The documentation provided in association with this account lacks the necessary evidence to prove my involvement : XXXX. No Wet Ink Signature : There is no physical, wet ink signature confirming my authorization or consent to this loan. 
XXXX. No Valid Identification : The documentation provided does not include any identification proving that I initiated or agreed to the terms of this account. 

As a victim of identity theft, I understand that the creditor and reporting agencies are required to take this matter seriously. Prompt action should have been taken to verify the legitimacy of the account, and I am requesting immediate corrective measures to remove this fraudulent account from my records. 

Relevant Laws Supporting My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unverifiable information. The reporting agency and creditor are required to investigate and remove any unverifiable data within 30 days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : If your company is involved in collection efforts, under 15 U.S.C. 1692g ( b ), you must cease all collection activity unless valid proof of the debt is provided, including my consent, identification, and a signature. 
XXXX. Identity Theft and Assumption Deterrence Act : If this account was created without my consent, it is a federal crime under 18 U.S.C. 1028.

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

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I need to address an issue with a collection account on my credit report that has already been fully paid. Despite settling the debt, this account is still being reported, which is unfairly harming my credit. As per credit reporting guidelines, once a debt is resolved, it should no longer appear as an active collection.

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

Complaint narrative:
I incurred this debt over time, prior to the pandemic that began in XXXX. I do not remember when I opened the account, nor do I remember my account number. 

In XX/XX/XXXX, I was summoned to XXXX XXXX XXXX XXXX XXXX MA, in a small claims action filed by TD Bank, the holders of Target Credit Card accounts. The attorneys they retained were : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX I appeared in court at the required time and place on XX/XX/XXXX. The case was continued to XX/XX/XXXX, however, a notice of dismissal was filed by TD Bank 's attorneys on XX/XX/XXXX, and the case was disposed by agreement -- settled -- on XX/XX/XXXX. 

Therefore, there is currently no debt owed to them ; this is a matter of public record, docket number XXXX at XXXX XXXX XXXX ( XXXX ). 

this has been appearing on my credit report for nearly 5 years now as a current debt, and it needs to be removed. It has affected my credit for far too long. I haven't gotten anywhere by filing disputes with the credit bureaus, and my attempt to contact Target directly resulted them asking for this information, but nothing being done about it. I have had no further contact from them. 

The attachment is a printout of the record found online, and includes all the information I described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have been informed by XXXX that I have been a victim of data breach that happened in 2017, XXXX and XXXX XXXX expressed the same sentiment as my information has been exposed to XXXX different breachs subsequently after the XXXX breach I would like the collection and the credit card account to be deleted from my report in a timely manner however they failed to do .that is the base of my complain and I seek deletion of the items 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called to inquire if they could refund a late fee due to my autopay not being set up for that statement. I also asked why am I being charged credit card protection fees. The representative explained to me what it was and I requested to be opted out of this. She stated she would and was refunding my {$30.00} late fee. 


On XX/XX/XXXX I called asking why am I being charged still for credit protection fees when I called in XXXX to cancel that service. The representative stated they would have to review the call in order to refund said fees and interest. 

Today XX/XX/XXXX I called to inquire why these fees are still on my account and where is the refund of {$190.00} plus the APR charged fees associated with these transactions. The representative explained they need to review the call. I stated this was supposed to be done back in XXXX and told be 72hrs. I requested a supervisor who stated : I see here in XXXX you requested to cancel the credit card protection and the amount owed it {$190.00} however we need to review the call for XXXX to ensure it was our error and that can take 3-5 business days. I stated you just said you can see that I called to cancel in XXXX but it was not done so why is the call being reviewed again. I am currently on the phone writing this and being transferred to another supervisor. I am beyond baffled that he admitted it and now wants to have the call reviewed again. I dont think they will ever refund my money and thats why I am filing a complaint hoping you all can help me.

Company response to consumer: Closed with monetary relief