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

Complaint narrative:
XXXX data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with XXXX breach. XXXXXXXX XXXX XXXX account # XXXX paid or Fraudulent account # XXXXXXXX XXXX XXXX XXXX XXXX, Closed/Never late or Delete 2. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXPaid, Closed/Never late or Delete Account # XXXXXXXX XXXX XXXX  Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete XXXX XXXX XXXX  XXXX account # XXXX - Paid, Closed/Never late or Delete XXXX XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit.

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
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 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, TransUnion and XXXX violations of Fair Credit Reporting Act ( CFRA ).

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 2024-04-04 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: FL

Complaint narrative:
Equifax data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with Equifax breach. XXXX. XXXX XXXX, account # XXXX paid or Fraudulent account # XXXX, XXXX XXXX XXXX XXXX, Closed/Never late or Delete XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete Account # XXXX -- - Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), XXXX XXXX XXXX ) I will be filing a lawsuit. 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
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. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, XXXX and Equifax violations of Fair Credit Reporting Act ( CFRA ).

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

Complaint narrative:
Kindly eliminate these inquiries. They pertain to matters beyond my knowledge, and the company initiated them without my authorization.

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

Complaint narrative:
Experian was notified on XX/XX/2023 that they were reporting inaccurate information on my credit report regarding account XXXX XXXX XXXX XXXXXXXX. It has been 11 months since my dispute letter and only XXXX and XXXX have removed this account. Experian failed to provide information as to how they validated this account, and it has caused me to believe that they did not do an investigation. I will attach my dispute letter which is dated, and time stamped. I am demanding that Experian follow suit and remove the account from my credit report due to FCRA violations.

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 2024-04-04 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: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-04 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: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024 I informed Experian that they were in violation of the FCRA by not reporting my address properly on my credit report. According to the FCRA a consumer credit report means any written or oral report issued by a credit reporting agency. I called Experian to notify them of their mistake and the representative told me that I have to spend my money to mail them my ID & information instead me giving them my info orally if I wanted my address corrected case # XXXX. Experian deleted my address without my permission and accused me of doing so. Experian also told me that I would not generate a credit score without a primary address prohibiting me from purchasing a home according to my realtor.

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 2024-04-04 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: OK

Complaint narrative:
I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX  XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of information

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

Complaint narrative:
I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The information reported on my credit summary is incorrect my birthday is incorrect the amount is incorrect i have been getting charged with collections and derogatory marks. All in all. This is all false info being projected to my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of this account. Please investigate and remove this account 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 2024-04-04 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: FL

Complaint narrative:
After doing some research I have found that XXXX, XXXX, Equifax has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

XXXX, Equifax, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
They are calling people and telling telling them that I put them down as a reference and for them to tell me to contact them, but they are calling anybody and everybody they can find associated with me that I did NOT write down as contacts. I have voicemails from the people and the latest one is today on XX/XX/2024 but I have proof of occurrences counting in the double digits of them contacting people that I never spoke of, or gave them permission to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is still reporting a US Dept Of Education Loan account XXXX that was forgiven, as being open and with a balance. XXXX and XXXX removed the account when it was forgiven, but Transunion still has it showing as open etc.

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 2024-04-04 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: ProCollect, Inc.
State: IL

Complaint narrative:
I have requested a debt validation as well as the proof of the agreement bearing my my signature stating that I have agreed to consume this debt. 


The matter of the fact is I have not signed anything tying me to this debt nor ever spoke with anyone at pro collect. I have tried to reach out to this company to speak with XXXX XXXX and the people at pro collect are really rude and have hung up on me without trying to hear me out or help me. She asked for my social over the phone when I refused hung up on me. 

This situation has caused me distress

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 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: IL

Complaint narrative:
I submitted an application to consolidate my student loan balances on XX/XX/XXXX to take advantage of the IDR waiver/forgiveness plan. At the time, there were three balances ( two serviced by XXXX and one by XXXX ) outstanding. As part of that application, I requested to be placed on the REPAYE- Now SAVE repayment plan. I was placed in an administrative forebearance during this time.

There was no action taken on this consolidation request for over 90 days. As the deadline was quickly approaching to take advantage of the IDR waiver, I began receiving past due notices from both XXXX and XXXX that my loan payments were not received ( XXXX XXXX from XXXX ). I submitted payment to XXXX in XX/XX/XXXX to keep the loan current, but was more concerned as to why I had received no correspondence surrounding the status of my consolidation request or payment notices for either loan in XXXX. 

I reached out to the studentaid.gov website where I initiated the consolidation request to inquire about the status of my loan consolidation and noted that my servicers were showing me as past due in their respective systems while information on the dashboard indicated my request was still in process. I was directed to speak with my servicers directly as studentaid.gov did not handle payment matters, however as part of my consolidation request I had also elected a new servicer. I was directed to view the dashboard regarding the status of my consolidation request and so began the circuitous effort to determine the status of my loan consolidation request as well who was my current servicer and when and how much they needed to be paid. 

My consolidation request was processed by XX/XX/XXXX, however I have now been placed in a standard repayment plan with no record of the number of payments that were counted toward my IDR repayment plan. My loan has been reset with another 30 years of payments. I have been paying on these loans for XXXX years and now I've been reset to pay for another XXXX. I contacted my servicer ( Edfinancial ) and inquired as to why I have been switched to a different plan. I was told that I need to resubmit a new form to be placed on a new plan. Time is running out as I understand in order for me to be on one of these plans eligible for forgiveness, I would need this paperwork/process complete by the end of XX/XX/XXXX. 

I want to be placed back on the REPAYE/SAVE plan that I was on with all of the benefits availed to those on those plans - previous payments counting toward forgiveness in XX/XX/XXXX years. My loan balance has ballooned XXXX from XXXX until now with each consolidation/new form submission request.

I would also like to know my payment count toward the forgiveness goal.

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

Complaint narrative:
FCRA 605B necessitates us to eradicate any flawed accounts from my credit record. Can you verify the documents? Some of the recorded accounts are erroneous in terms of reporting, with inaccurate amounts and dates reported.

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc
State: NC

Complaint narrative:
The debt was for a leased security camera. The debt was paid after they threatened me with legal action in XXXXXXXX XXXX XXXX It is still showing up on their end as not paid. They will not let me speak with anyone who can help me all they say is there is still a balance and its been sold to a collection agency and when I call that agency they say they dont have my file anymore. Im worried that this is still affecting my credit. It is against the law for them to say I still owe this when I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
? They are refusing to reverse the charges. 
I paid the full amount before the due date and they are still insisting on charging me the interest. I was also told that if i don't pay the interest they would be adding on late fees

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