vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately 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 2024-04-16 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: MD

Complaint narrative:
I submitted a complaint regarding the reporting of XXXX XXXX XXXX of an account with data inaccurate. I requested this account be deleted for inaccurate reporting. I received a letter back from XXXX after pointing out the discrepancies XX/XX/16 that it meets FCRA. I have attached the document which clearly shows an open account which a collections account should not be reporting open and it also is reporting past due which is also a violation. As such I am requesting damages in the amount of XXXX as well as the removal of the account from both my XXXX account as well as my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. 

Upon reviewing my credit report provided by Experian, I discovered troubling discrepancies that require immediate attention. Specifically, there are inaccuracies in my personal information and fraudulent accounts listed on my report. 

Personal Information for Experian : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within Experian 's records. I have requested the immediate deletion of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX, '' to ensure the accuracy of my credit profile. 

CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, NC XXXX Additionally, there are addresses listed in Experian 's system that do not correspond to my current residential address. I have explicitly requested the removal of any address entries that do not align with " XXXX XXXX XXXX, XXXX, NC XXXX '' to maintain accurate information for future transactions. 

Fraudulent Accounts : After a thorough review, I have identified the following accounts that do not pertain to me : Armed Forces Loans Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$1400.00} XXXX  Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$490.00} These inaccuracies and fraudulent accounts are deeply concerning and could potentially have adverse effects on my financial well-being if not addressed promptly. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian takes immediate action to rectify these issues. These accounts do not belong me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. 

In conclusion, I implore your prompt attention to these matters and request that all necessary actions be taken to remove these inaccuracies and fraudulent entries from my credit report. Your cooperation in resolving these issues swiftly is crucial in safeguarding my consumer rights and financial stability. 

Thank you for your assistance in addressing this urgent matter.

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 2024-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have credit inquiries on my credit report that i don't recognize. Its hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CO

Complaint narrative:
I paid off a loan in full XX/XX/2023. I received a statement stating I paid in full dated XX/XX/2023. This loan was for loan sequence 1 of my account. This loan was removed from my account because it no longer had a balance and has not been on my account for the past 10 months. End of XXXX I see this loan has been placed back on my account with a XXXX dollar balance and now interest is accruing. I called Mohela and waited 40-60 minutes to reach a representative. The representative said the loan I paid in full was under " review ''. This loan has been paid off for 10 months. I was not notified my loan was being reviewed. They didn't give me an explanation as to why it was under review or the reasoning for the sudden XXXX dollars added on to my account. I asked, if my account is under review why would they put a random fee on it rather than waiting until the review has been complete. The representative nor the others she was consulting with could answer my questions. They transferred me to a line that was supposed to set me up with a supervisor call and to input my phone number, of course that line didn't work and it disconnected the call. I called back again and was on hold for over 30 minutes and the line was disconnected. 

Per written documentation that has been sent back and forth Mohela is trying to say the day I paid off my loan there was a balance for XXXX dollars more. Yet two weeks later I received a paid in full status and the loan was no longer on my account. I have been paying my loans during the forebearance to work on chipping away at my balance. How can a company give no details or explanation and just add money back in to an already paid off balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX XXXX  Acct : XXXX. This account was paid off in XXXX of XXXX, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing 2 months as charge off. XXXX XXXX reversed a payment over XXXX XXXXXXXX then post account in negative, which is against the fair reporting act. 
This account has been removed by XXXX and I attached proof. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. 

Item # XXXX : I dispute XXXX  XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. Account is more than XXXX XXXX XXXX. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 non-monetary relief
Consumer complaint received 2024-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX i came to the realization that multiple transactions were done on my XXXX  account and my coinbase account using my debit card to a total amount of {$3600.00}. These were transactions were not done or authorized by me and when i realized it i promplty called XXXX XXXX XXXX and also called my financial institution Bank of america to dispute the charges. None of the companies were of any help, stating that the transactions seem to have been authorized by me. That's absolutely not true and i have only filed a claim once with bank of america in the 12 years that i have been with them. XXXX  from what i have heard are terrible as far as disputes go. The funds that were transferred to XXXX  were used to buy bitcoin and the crypto was sent somewhere. Same with the funds from coinbase. This has put a huge financial strain on my family since we are now out {$3600.00} and have had no empathy from the financial instution that i am supposedly a preferred member with. All i want is to be refunded the funds that were taken out of my account. It took them over a week to investigate and say that this was apparently authorized by me. This is unacceptable. My family and i need need our funds back asap.

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 monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: AZ

Complaint narrative:
ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON FILE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-16 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: AZ

Complaint narrative:
ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON FILE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-04-16 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: MI

Complaint narrative:
For over one year, I have diligently attempted to address the inconsistencies between the information provided by Experian and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Experian does not align with the data furnished by the other two credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Experian 's reporting practices. Experian 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Experian 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.

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 2024-04-16 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: MA

Complaint narrative:
I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXXXXXX XXXX the holder of my mortgage. XXXXXXXX XXXX XXXX mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXX 's collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MA

Complaint narrative:
I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXX XXXX, the holder of my mortgage. XXXXXXXX XXXX XXXX mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX  to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXX XXXX collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In early XXXX I received a prepaid debit card " as a result of a credit balance or overpayment on my Chrysler Capital account '' for {$250.00}. Card is issued by XXXX XXXX XXXXand administered by XXXX XXXX XXXX XXXX XXXX. I would like this refund in the form of a check which I am entitled to get. Yet it has been difficult to do. 

For background : I had a car lease with Chrysler Capital which expired in XX/XX/year>. 

I have tried calling the customer service number on the card various times. But the number is only for activating the card or finding out card balance. I have also emailed prepaidhelp XXXX XXXX  and XXXX ( the latter is included in the document provided with the card ) to no avail. 

They certainly don't make it easy to get your money. 

This is the second time that Chrysler Capital has sent me a refund in the form of a prepaid card. The last one was in XXXX for {$250.00}. When asked why they sent me a debit card instead of a check, I was told that Chrysler Cap does not issue checks under {$500.00}. So, why send me two prepaid cards instead of a check? ( Fortunately, I was able to get that check. ) I don't think it's fair for Chrysler to just go ahead and make a deal with a credit card company to send out prepaid cards in lieu of checks. At the very least they should ask the customer for their preference. After all, they have all the contact information. 

Thank you for your help.

Company response to consumer: Closed with explanation