vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: DC

Complaint narrative:
Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate and incomplete personal information on my credit file as maintained by Experian. Specifically, the following personal identifier information is incorrect or unverifiable, and I demand immediate action to correct or remove it in full compliance with FCRA regulations and Metro 2 reporting standards : 1. Personal Identifiers : I do not have any other names, aliases, or previous addresses that should be reported. 
I do not have any other Social Security Numbers ( SSNs ) or dates of birth, and I object to any retention or reporting of these. 
I do not authorize the reporting of any other telephone numbers, employers, or co-applicants. 
If any of these personal identifiers are being reported, I request their immediate deletion and proof of your authority to retain them. 
2. Specific Disputed Accounts : XXXX XXXX  ( XXXX ) ** : The information reported for this account contains multiple inaccuracies, including but not limited to : Creditor Remarks : Experian reports Account has been closed due to inactivity, while XXXX and XXXX report conflicting information about account cancellation. These remarks are inconsistent and do not adhere to the required standards for accurate reporting. 
Account Cycle Identifier : This is missing or incorrectly reported across bureaus, violating Metro 2 compliance. 
Account High Balance/Original Balance : Discrepancies in balance reporting across Experian, XXXX, and XXXX. 
Account Type and Creditor Type : Variations in the reporting of account and creditor types ( e.g., Miscellaneous Banks for XXXX and XXXXXXXX XXXX XXXX XXXX for XXXX ) are inconsistent and non-compliant. 
The account status reported for these items is also inconsistent and unproven. I dispute that these accounts are accurately linked to my financial history. 

Request for Action : Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal and state laws, I request the following : 1. Immediate removal of any unverified or inaccurate personal identifiers, as detailed above. 
2. Full investigation into the listed discrepancies in the credit report and immediate correction or removal of the above-mentioned account information, including XXXX XXXX and any other affected accounts. 
3. Proof of compliance with the Metro 2 format standards and FCRA requirements in your handling of this dispute.

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 2024-12-04 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 under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXXXXXX XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My student loans are in forbearance with Mohela and I am currently in the SAVE forbearance. I was told verbally that interest would not accrue during this time period but in a recent email it says I am still accruing interest. I was told multiple times the interest would be 0 % until the forbearance is over and there is a plan in place for SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am writing to address serious concerns regarding issues I have found with my credit report. During my review, I noticed multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are impacting my financial stability, and I urgently need your assistance to resolve them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report that I can not explain. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but nothing changed. The inquiries remained. I need this issue addressed urgently and ask that the documents I provided be reviewed thoroughly so I can have peace of mind.

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 2024-12-04 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: TX

Complaint narrative:
Experian located XXXX XXXX XXXX XXXX, TX XXXX To Experian I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas XXXX. I am also disputing XXXX XXXX acct # XXXX located at XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and the last account is XXXX XXXX XXXX XXXX XXXXXXXX. The last one is XXXX  XXXX act # XXXX I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within 15 days of this letter. Failure to investigate and correct this inaccurate information within 15 days will result in me being forced to take legal action for damages per notice of {$1000.00} for each violation of my consumer rights. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX Date 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 2024-12-04 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:
Dear Equifax, I need this account off immediately. It is a hindrance to me from getting housing and from other credit opportunities. This account is inaccurate it needs to be verified for it to be placed on my consumer report. It has not been verified and your investigation has not solved my issue. I need this account to be deleted ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about the actions of " XXXX XXXX XXXX XXXX XXXXXXXX '' regarding a foreclosure notice I received today, XX/XX/XXXX. Below, I have detailed the issues and my concerns : ( 1 ) Discrepancies in Foreclosure Information I received a foreclosure notice dated XX/XX/XXXX from " XXXX XXXX XXXX XXXX XXXXXXXX '' indicating a foreclosure court date of XX/XX/XXXX. However, when I called and spoke to an agent today, I was verbally informed that the system does not reflect any scheduled foreclosure court date. This inconsistency raises serious concerns about the accuracy and reliability of the information being provided by the company. 
( 2 ) Questionable Validity of the Foreclosure Notice The foreclosure notice I received lacks a signature, which I understand is typically required for such legal communications to be considered valid. This omission calls into question the legitimacy of the notice and whether proper procedures are being followed. 
( 3 ) Potential Fraudulent Activity The conflicting information about the foreclosure date and the unsigned notice raises concerns about potential fraudulent or deceptive practices by " XXXX XXXX XXXX XXXX XXXX '' ( 4 ) Dispute of Debt Validity I also dispute the validity of the debt associated with this foreclosure notice. I believe the debt in question does not reflect my approved and recorded loan modification agreement, which I have provided to the appropriate parties. Any debt calculations based on the original loan terms or improper application of my payments are incorrect and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed XXXX {$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 explanation
Consumer complaint received 2024-12-04 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: NM

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-04 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 explanation
Consumer complaint received 2024-12-04 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 dont know whats going on, but inaccurate accounts have suddenly appeared on my credit report. Ive always been careful to check my credit, but today there were errors Ive never seen before. I thought it might just be a browser issue, so I refreshed it, but the mistakes didnt go away. Im begging you to look at the documents Ive sent and resolve this so I can stop feeling so overwhelmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, my husband sent me XXXX dollars for food and cash app restricted the transaction due to the subject title which was XXXX. My husband regularly puts silly comments or comments of reference in the title but cash app flagged the transaction for some odd reason. 

They sent an email requesting more information about this transaction and I explained this to them. On Monday, XX/XX/XXXX cash app froze my account with my rent money in it. I have been inquiring about the reason for 2 days now and cash app refuses to give an update or resolution only stating there was a suspicious transaction and they froze the account for my safety. They asked me to call in to clear the matter, which I did, and they continue to refuse to release my funds. If I am not able to pay my rent on time I will be fined. 


That gave yet to respond and Im beginning to think they are scamming me. I have called and called and they keep saying we sent this to our escalation team but no word about how long this would take to resolve. Ive explained my situation with no response from cash app. 

With most financial institutions they ask you to verify your identity then release your funds. I need help getting my money from them and further information about how to prosecute for this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accoun # XXXX *account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

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 2024-12-04 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX DEAR CREDIT BUREAU XXXX I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1 ) A FIRM OFFER OF CREDIT 2 ) INSURANCE 3 ) AN APPLICATION FOR EMPLOYMENT 4 ) A COURT ORDER The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : Per 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY. 
THANK YOU SINCERELY, 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 2024-12-04 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: TX

Complaint narrative:
I sent a letter to the court clerk they responded back and said they dont report these to the credit bureaus I need this to be removed off my public records immediately

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