vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit XXXX in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

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 2023-12-04 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: FL

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Dueto the covid-19 forbearance program regulations it states that no late payments are to be reported the financial credit bureau during the time of covers forbearance period XXXX Account XXXX : XXXX This is violation of my rights. please update to never late XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it 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 explanation
Consumer complaint received 2023-12-04 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: OH

Complaint narrative:
All three credit reporting agencies Equifax, XXXX, and XXXX have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services. 

The Accounts that are being reported as late are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In reviewing my credit report I noticed that I have a " collection '' account listed from XXXX XXXX XXXX. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXX XXXX XXXX ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA state from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: SC

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 explanation
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to Missouri in XX/XX/2023 and have resided here since. Upon leaving Oregon I paid all debts in full in term of utility bills, XXXX XXXX was included. There was no unpaid balance. I did not open any account in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX  I paid off my NEW XXXX credit card- {$66.00} before cc delivered. The Credit Card NEVER ARRIVED! 

On XXXX XXXX while I was APPLYING for a Balance transfer on my auto loanI saw my credit score had plummeted XXXX Points!!!!! Dropping it below the REQUIRED score or XXXX!! 

I call XXXX and spoke to financial department! I explainedmy card never arrivedI paid in full-By law I must be 180 days delinquent AND they Must have attempted to get payment!!!! Before turning over to collection agency. 

THAT I NEEDED THEIR FAULSE COLLECTION CORRECTED IMMEDIATELY- so I could do my Balance Tranfer within 72 hr-to save the {$120.00} interest on car loan! 
They said 30 days!! THE FALSE DOCUMENTATION just cost me {$120.00} I need this corrected immediatelyI need THEM TO REFUND ME that {$120.00} & see my score restored asap to get this accomplished! 

NONE of this is my fault!! The Credit REPORTING system is SOSOSO BAD & it can destroy one in minuteswith false info THEN we the consumer Pay the price Physically, emotionally and Profound Stress!!! PLEASE HELP. PLEASE

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 2023-12-04 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: PA

Complaint narrative:
The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the removal of this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and 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 non-monetary relief
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Greetings, CFPB. I am reaching out to you guys today regarding XXXX of the XXXX credit reporting agencies ( XXXX and Equifax ). I also reached out to Equifax and XXXX letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at Equifax and XXXX, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I paid off all of my XXXX  loans ( serviced by Mohela as of this fall ). The balance showed {$0.00}. I reached out to Mohela to ask about how to close out my account and if there was anything I needed to do on my end to do so. I wanted a notification/ letter from them that stated my loans were completely paid off. 

They have completely ignored all my requests and their phone answering system has hung up on me. I can not get ahold of anyone despite my best efforts. About a month after my balance read {$0.00} I was charged over XXXX dollars in interest. I have reached out to them again and again asking how to rectify this and close out my account since I paid everything off so my empty account does not keep accruing interest. They have not responded to anything from me and I have not been able to get a hold of anyone on the phone. This feels criminal. Are they going to keep charging me interest forever? How can they even charge interest on an account where the entire balance including principal and interest is {$0.00}? Isn't XXXX still XXXX? 

Even if my balance wasn't completely paid off and I wasn't having this issue, it feels criminal that they are not responding to my messages and make it so impossible to get anyone on the phone. They are completely unreachable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I contacted cashapp support with an issue that I needed help resolving due to not having reached a solution when trying to resolve the way that they had directed me to after having contacted them via chat. They asked me what the issue was and I had responded by letting them know that I had sent money to the wrong person in the amount of {$200.00} and they asked me to select the transaction that I needed assistance with. I did just that and they went on to respond with a list of information they needed from me ( full legal name of the person I meant to send the funds to originally, their cash tag, and their phone number and/or email ) which I quickly replied with the information requested just for them to answer back refusing to further assist me and gave me some tips on how to prevent the issue from happened again in the future. They had said they are unable to reverse the transaction or refund it and that the only step I can take to reach a proper solution is to send a refund request to the person I had accidentally sent the funds to. Well, I did just that and of course, that person declined my refund request for {$200.00}. Says a lot about that person 's character. Anyway, I proceeded to call cash app support by phone and I was asked the same questions and given the same responses which ended with me being denied having the funds reversed or refunded since its a completed payment. I know that it is not impossible for them to get my money back and to pull it from the persons account that it was accidentally sent to. So I asked to speak to a supervisor to further assist me and they kept me on hold for abojt XXXX minutes and told me there is no manager available and that I could have them forward me by email to a manager and they would contact me at their earliest convenience. Whatever that means... I then asked them why they couldn't reverse the funds and she told me she has provided me with all of the information there is to provide and that there is nothing else there is to tell me that could answer my question and then hung up on me. I went to the chat page for customer support and asked to have a manager contact me and was basically told that they have addressed the current issue and there is nothing else they can do. {$200.00} is a lot of money to just give away to someone that it's not meant for. That was all I had and I just have to accept that someone else received it and I'm out of pocket. That is not okay at all. I don't know how else to get the help k need so that I can get my funds back that I am entitled to. So this is my next attempt. I hope this will be my final attempt and be the answer I need to finally resolve this matter. Thank you for listening to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
EXPERIAN CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST

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 2023-12-04 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: MN

Complaint narrative:
Greetings, CFPB. I am reaching out to you guys today regarding two of the three credit reporting agencies ( Transunion and XXXX ). I also reached out to XXXX and Transunion letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at XXXX and Transunion, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-04 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: OH

Complaint narrative:
I am requesting the removal of this fraudulent inquiry 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