vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
1. Portfolio Recovery Assoicate : Said acct XXXX was opened XXXX XXXX. They are trying to collect {$1800.00} dollars and it has been past due as of XX/XX/year>. 
They have another acct XXXX was opened XX/XX/year>. They are trying to collect {$3100.00} dollars and it has been past due as of XX/XX/year>. 

XXXX. XXXX XXXX XXXX : said acct XXXX has been past due as of XX/XX/year> in the amount of {$580.00}.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) 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. 

I am filing this to report multiple fraudulent accounts appearing on my consumer TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I demand these items removed in 4 days. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following derogatory accounts listed on my credit report : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Remarks : Collection/Charge-off XXXX XXXX  XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Remarks : Collection XXXX  Account Number : XXXX Date XXXX : XX/XX/XXXX Remarks : Collection

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: PA

Complaint narrative:
I am disputing incorrect information on my credit report that appears to have been caused by identity theft. Specifically, there are addresses listed on my report that do not belong to me and were likely added without my knowledge or consent.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing incorrect information on my credit report that appears to have been caused by identity theft. Specifically, there are addresses listed on my report that do not belong to me and were likely added without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Letter for Unauthorized Inquiries XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am disputing unauthorized inquiries on my credit report. Below are the details of the disputed inquiries : Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX XXXX Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian XXXX Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian I did not authorize these inquiries. I request that the CFPB investigate and direct the companies to provide proof of my authorization. If no such proof can be provided, I request the removal of these inquiries from my credit report. 

Thank you for your attention.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian kept reporting inaccurate information about a XXXX XXXX account. Company claims I owe debt. I called. Disputed I owed nothing. I asked them to send proof. The account number is incorrect from the records I have from XXXX emails.The debt was sold to another 3rd party collector ( illegal ), XXXX  as seen in the attachments I have provided. 
Experian may have sold my information to 3rd parties as well which I did not consent to and also provided a revoked POA for Experian as well as these said companies.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On the XX/XX/2024 a sum of {$180.00} Was charged from my account at XXXX. 
I reported it to my company TD Bank and they refund me because my account was compromised. I went to the bank and they took my existing TD Bank card and said they would send me a replacement by mail. I never received my replacement card. 
Then onXX/XX/2024I noticed {$960.00} was waithdrawn from my account. I did not withdraw this money as I never received the card In the mail. 
I reported it to TD Bank and they refused to refund me back my money. They stated that the money was withdrawn at an ATM machine By me. I never received the replacement card. I should not be responsible for this

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
I have submitted an application to switch from the SAVE to PAYE plan in order to continue count towards public student loan forgiveness (PSLF). Per StudentAid.gov/saveaction and Department of Education guidance, if Mohela cannot (or will not) process my application to switch repayment plans, they must remove me from the SAVE forbearance and place me into a 60-day processing forbearance: If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. XX/XX/XXXX I called and spoke to 3 Mohela representatives from different (escalating) departments, each Mohela representative responded that accounts in SAVE forbearance cannot be placed in processing forbearance which is inaccurate based on others experiences in a similar situation and not outlined anywhere in the FSA guidance. Nowhere does the US Dept of Education or FSA guidance state that Mohela CANNOT process applications for borrowers on SAVE who are seeking to switch to PAYE. And the updates issued on XX/XX/XXXX by the US Dept of Education, explicitly state that borrowers on the SAVE plan who want to earn credit towards PSLF SHOULD switch to a PSLF-eligible plan (at which point they will be eligible for a 60 day processing forbearance); PAYE is a PSLF-eligible plan. Further, the guidance notes that processing is still paused for CERTAIN IDR plans, but PAYE is NOT one of those plans. In the coming weeks, the Department expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. Specifically, the Department will begin processing borrowers applications to enroll in: IBR, ICR, PAYE. See - https://www.ed.gov/highereducation/manage-your-loans/save-plan.

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: 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: AZ

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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: 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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NE

Complaint narrative:
On XX/XX/XXXX I noticed an email form Discover that said my credit card limit had been reached. I hadn't used my credit card in months as I was just trying to make the payments and not rack up anymore debt. Now, this part is my fault but I hadn't been logging in to check my statements because I hadn't been using my card, but when I logged on there was about {$3000.00} ( including interesest ) spent on that card that I did not do. I called Discover immediately on XX/XX/XXXX and went through the purchases I made and didn't make. They informed me to file a police report. I called the non-emergency police in XXXX, XXXX and filed a report. I gave him the information I had and then later dropped off a list of all the fraudulent charges to the police department. I am still in possession of the card, so the police officer believed my card had been skimmed. At this point it was just a waiting game. Discover had immediately began reversing the charges for me in XXXX. As of XX/XX/XXXX I noticed they put all the charges back on. I called them today, XX/XX/XXXX and asked why. She informed me that they had decided this wasn't fraudulent activity because I am still in possession of the card and that the " sequencing of purchases '' continued after the fraud was reported. She informed me she could reinstate the fraud claim, but in the meantime I should check in with the merchants for any information ( I'm not a cop can I even do that? ) and check back in with the police to see if they have any video evidence that it wasn't me. I will be contacting the police department again today, XX/XX/XXXX to try to get more information, but I am confused. I did not make these purchases and discover is not helping me.

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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My information was compromised through a few Data breachs. I have accounts that are not mine or I did not open on my credit report. 15 USC 1681-The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information

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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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