vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Number : XXXX Account Name : US DEPT OF EDXXXX I want to emphasize the gravity of this matter and my expectation XXXX XXXX XXXX and XXXX XXXX. XXXX to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that i will sod dumagos, inciuding but got limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U, S.C 1092k./ 1. Defamation of Charactor 2. Negligent Enhancement of Identity Fraud 3, Violation of the Fair Credit Reporting Aci 4. Violation under 15 U, S. Code $ 10810- XXXX XXXX XXXX XXXX  : XXXX XXXX, Violation under 15 US Code 168 in ( b ) - Civil liability for wiltral non comobiance 6. Failing to comply with 15 USC 3692 ( g ) 7, Violation under 15 U.S. Codo 1681b Permissible purposes of consumer soports 1. Under 15 U.S.C. 16811 ( 9 ) Method of venification 2. Violations undor 15 USC 168 ) a ( 4 ) right to privacy 10, Violations under 15 U, S. Code {$1600.00} - Requirements relating to intornation costained in consumer esports I am taking this matter very serioust, and 1 demand that you take amme the necessary information to facilitate this process. I kindly request th sove the frandulent accouet from my credit report. I have provided all provide a timeline for the resolution of this issue. 
Your prompt attention to this matter is greatly appreciated.

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 2024-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You were notified that my information was compromised in the XXXX data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and XXXX XXXX breach claim id and remove the following accounts from my credit report within XXXX days : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29 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: CA

Complaint narrative:
XX/XX/year> I disputed an account with Experian regarding a debt amount being incorrect. I submitted receipts, as well as dates for payments made to XXXX XXXX XXXX XXXX to account number XXXX in amount of {$74.00}, yet the amount being reported is inaccurate. I have proven that the amount owed is inconsistent with what I am being pursued for, and the incorrect balance has remained on my credit report. Both Experian, and XXXX XXXX XXXX XXXX have made serious errors on my behalf and this has left my credit worthiness in an unfair status. Due to this error, I have been denied for financing.

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 2024-05-29 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of 15 USC 1681s-2. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29 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: IL

Complaint narrative:
FCRA 605B requires the deletion of any incorrect accounts from my credit report. These accounts have been inaccurately reported. I should be awarded {$1000.00} for each false entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In XX/XX/XXXX, I sold a vehicle financed by Ally Bank. As a result of that transaction I am owed a XXXX refund check in the amount of {$380.00}. The relevant paperwork was sent to Ally by the purchasing dealership 's representative. By XX/XX/XXXX, I still had not received the refund. Between XXXX and XX/XX/XXXX I contacted Ally at least nine times. I was given conflicting information on each call, until finally I was directed to submit by email another copy of paperwork previously sent to them by the dealership. After doing so I did not receive any response. I telephoned again only to be told to resubmit the paperwork to a different team, which I did. At that time the Ally representative stated more conflicting information regarding the document. Ally has been sent the relevant document three times, yet Ally has not sent the XXXX refund check.

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 2024-05-29 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: MD

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-29 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-29 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report.

Please reinvestigate these matter and delete items as soon as possible.

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 2024-05-29 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: MS

Complaint narrative:
On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting Transunion of the fraudulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and transunion hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681cXXXX they should have blocked this information in 4 days. I have done everything Transunion has asked now I'm requesting an transunion employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29 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: 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 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 2024-05-29 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: OR

Complaint narrative:
MOHELA initiated charging me {$640.00} per month for loan payments in XX/XX/XXXX when student loan payment pause ended. However, prior to payments pausing I was only paying {$110.00} per month to XXXX servicer and I have not been required to re-certify my income since the pause was started in XXXX. As of XX/XX/XXXX At XXXX I spoke with call center representative XXXX who reported that Im currently on an XXXX plan, paying {$640.00} per month and dont need to renew income until XX/XX/XXXX. XXXX and her supervisor reviewed my file and stated that there is no reported income shown that MOHELA is basing my repayment off of. Call center supervisor confirmed they could not provide justification for how my payment amount was calculated and MOHELA is declined to provide me with a refund for the overcharges. I am owed over {$4200.00} already, increasing monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
For complaint XXXX TransUnion closed my complaint and claimed they sent a letter requesting more information. I never received a letter from TransUnion. Additionally they sent me an email with my dispute results with XXXX security to view the update. But the multifunctional authorization failed to send me an authorization code to log in. I believe TransUnion is doing this to avoid addressing consumer complaints.

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 2024-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
FCRA 605B requires the deletion of any incorrect accounts from my credit report. These accounts have been inaccurately reported. I should be awarded {$1000.00} for each false entry on my credit file.

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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: ID

Complaint narrative:
I had to change my autopayment because I had to change banks. Went in and setup autopayment. For some reason it only made one payment. Got notification a payment was missed they are unable to explain why it did not go through. I went in and setup autopayment again and it says it is setup. But since was on XX/XX/XXXX. It did not start till XXXX XXXX again missed autopayment. My letter stating autopayment was set up mentioned nothing about not processing the XXXX payment. So another payment was missed/ late. I have never missed a payment since I purchased this home. Since Roundpoint mortgage. Very frustrating convoluted process to get an autopayment processed. It can only be done online versus on the phone ... Their website is having issues and they are not willing to accept the fact that they are having issues. My account is current and supposedly set up for autopayment for XXXX XXXX But I have no faith in their system or company. I wish I could change providers. Ultimately I want the late fees removed and additional interest credited. I truly believe they have a system in place to intentionally cause issues that cause late payments and interest to create additional profits at the clients detriment. This should be investigated further. It is not fair to be stuck with a provider that I did not purchase a loan from to treat me like this and have no recourse... 


My contact info is XXXX and my email is XXXX if you need to get a hold of me in a timely manner. 

Thank you for your help with this manner. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
You are in violation for reporting the wrong balance for the account XXXX XXXX XXXXXXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief