vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
There was a breach of information and I believe I was one of them. Ive been getting unsolicited calls from loan companies that I never inquired and I believe there are some credit cards that may have been obtained using leaked information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Well Fargo did a modified in XXXX, I was told by the representative that my modification would be placed at the end of the loan. I found later that a Ballon payment was placed on the loan. I was told after If i pay my house off, I would have a XXXX Ballon payment and if it's not paid, you can lose your home because you have to have XXXX on hand or you lose your house.

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00}

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the dates described below unauthorized charges were charged to my Chase checking account originating from a game associated with my XXXX play account : XXXX. XX/XX/year> - {$4.00} XXXX. XX/XX/year> - {$2.00} XXXX. XX/XX/year> - {$15.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$5.00} XXXX. XX/XX/year> - {$51.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$31.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$11.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$13.00} XXXX. XX/XX/year> - {$15.00} XXXX. XX/XX/year> - {$19.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$19.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$29.00} XXXX. XX/XX/year> - {$29.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$32.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$4.00} XXXX. XX/XX/year> - {$65.00} Once I realized, I immediately inquired with the merchant and advised that such charges were fraudulently withdrawn from my account. They conducted an internal investigation and baffling enough they declined the request to reverse such charges for services I never requested nor rendered. I then inquired with XXXX, explained the situation and they too declined the request. Lastly, I went to Chase, an institution I've had a long standing relationship with and egregiously enough they too refused to remedy the situation. This goes against all consumer rights ( 18USC1028, CFPA, etc. ) and has led me here in hopes of getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$410.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
XXXX credit card company sent me to collections and dropped my credit score over XXXX points for late pay of the annual fee. However, I never received any paper or email bills from the company stating I had a balance due. I only received a collection notice. I have had that account for years and never been past due or late. The company refused to make any attempt to resolve or assist. I contacted Equifax for a dispute, they only documented costumer disagrees. XXXX late payment of XXXX dollars, when I had no idea I owed that XXXX XXXX should not drop my credit over XXXX point! There should be some resolution process for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I submitted a dispute and have not heard back from them and am requesting the inaccuracies be removed from my account

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 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
On the morning of XX/XX/year> I transferred {$500.00} from my bank account to Skrill. After receiving the funds they immediately restricted my account. I can't use the funds for payment and I can't transfer the funds back to my bank account. 

Skrill sent an email asking me to respond to 3 questions when they restricted the account. I responded within 5 minutes of receiving the email on the morning of XX/XX/XXXX. I received an automated response that said I would hear back from them within 48 hours. After 48 hours, there was no response, and there still has been no response 11 days later. 

I opened a case with their help center in the evening of XX/XX/XXXX, but there has been no response to that case other than the automated response that said they would get back to me soon. I opened another case on XX/XX/XXXX, just asking for a status update, but there has been no response.

If you look at online comments about Skrill, there are many, many people who have had the same experience I'm having. Skrill receives their money and then restricts their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Texas Guaranteed
State: OK

Complaint narrative:
There is an XXXXXXXX XXXX  loan on my credit report and it is passed the year for it to be removed. I have tried to get in contact with someone about this issue and have not received any response. I would like this loan removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Dear Consumer reporting agencies I'm requesting a method of verification for the identity theft report I filed on XX/XX/year> its been over 4 days and nothing has been resolved. According to Section 611 ( a ) ( 6 ), I understand that you are required to share how this information was verified by detail.

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 2024-12-29 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
Collection Account from RADIUS GLOBAL SOLUTION LLC with account # XXXX and a balance of {$15000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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 2024-12-29 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: MI

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00}

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 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am currently in forbearance due to the XXXX litigation, as Mohela has confirmed in numerous correspondence. I was first notified of the forbearance on XXXX XXXX, 2024 ( see attached notice ), and Mohela confirmed that my loan is in forbearance as recently as XXXX XXXX, 2024 ( attached ). 

Per these correspondence, no interest should accrue during the forbearance period and my interest rate should be set to 0 % during the forbearance period. As Mohela explained : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' However, interest has continued to accrue despite the forbearance. See attached screenshot from my Mohela dashboard, which shows the interest is set at 6.125 % rather than 0 %, as it should be per Mohela 's own explanation. 

I have continued to pay down my loans during the forbearance period, but have had to pay hundreds of dollars in erroneously accrued interest. See attached screenshot of my payment history, which shows I made payments on XXXX XXXX, 2024 and XXXX XXXX, 2024 ( both during the forbearance period ) which included accrued interest of {$86.00} and {$380.00}, respectively. Today, I made another payment that included {$410.00} in erroneously accrued interest. 

I have requested an explanation from Mohela about why I am being charged interest in error, and have not gotten any response. Instead, I've received automatic ( and erroneous ) notices that, contrary to other correspondence, interest WILL continue to accrue during forbearance. See attached correspondence from XXXX XXXX, 2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The debt is not mines and i don't have any knowledge of the account. I did not authorize it. I think it's a part of identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXXXXXX XXXX Balance {$5500.00} XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX  XXXX XXXX on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX CO Inquired on XX/XX/year> 2024

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 2024-12-29 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: IL

Complaint narrative:
The bills from XXXX and XXXX for cellphone services appeared on my credit report but it was from when I was underage and wasnt me so I asked for verification of debt because it wasnt me and none of the credit bureaus have responded. I am requesting that it be deleted from all three credit bureaus.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: SC

Complaint narrative:
15 U. S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!

Company response to consumer: Closed with non-monetary relief