vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: MA

Complaint narrative:
Actually I have 2 problems with Experian. First I have been calling Experian since XX/XX/XXXX because lenders can not see my credit report, me neither. In XXXX I disputed addresses showing inaccurate in my credit report, after that I wasn't able to get my credit report from any of the providers, no XXXX no Experian app, no XXXX. Anytime I called Experian they says the problem is already fixed and wait from 24 to 72 hours, but today have passed this period like 12 times and I still no able to see my report. 
Also when I log in today in my Experian web and trying to dispute to see if there is addresses or no i realize there was not any address and many unauthorized inquiries, such like : 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 
I need to get this problem fixed immediately please, they are hurting my ability to obtain credit.

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 2024-10-13 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: OH

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX  experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed that some accounts are inaccurate. I have not done business with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I reviewed my credit report and noticed that some accounts are inaccurate. I have not done business with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Multiple times in XXXX  starting from the month of XXXX, up until XXXXXXXX XXXX XXXX I wrote to the collector informing them that the information that they reported on my credit is inaccurate and that is damaging and harming my credit. This also means that this also preventing me from building my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-10-13 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: SC

Complaint narrative:
Please note these accounts and inquiries are not mine. I need help removing this. Data breach must have stole my social ss # this is unfair.

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 2024-10-13 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: SC

Complaint narrative:
Please note these accounts and inquiries are not mine. I need help removing this. Data breach must have stole my social ss # this is unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: GA

Complaint narrative:
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt.

The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.

Please Send updated 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 2024-10-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

JPMCB has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by JPMCB with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-13 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: PA

Complaint narrative:
I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  I tried depositing {$1500.00} all in XXXX at the Wells Fargo in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at their atm The machine ate my money, reset, black screen. No receipt, no money back out, and not reflected on my account. Please Wells Fargo provide me a provisional credit while you investigate this,

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 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XXXX See this prior complaint. 

XXXX and or/USAA took funds from my XXXX account to cover a USAA credit card payment and there is still no explanation as to what happened to the payment, which USAA does not recognize. 

Furthermore, USAA is charging me interest now. 

{$120.00} on XX/XX/XXXX unexpectedly appeared on my USAA account as a finance charge. 

Please explain and what happened to the check from XXXX. 


There has been no feedback from either company to the complaint above.

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 2024-10-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have looked at my credit report and I have noticed fraudulent auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 USC 1692e false and misleading representation DELETE THIS FRAUD ACCOUNT THANK YOU

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone opened a Transunion account, also an XXXX account, in my name. I would like to delete this XXXXXXXX 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 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: NY

Complaint narrative:
I had an account with XXXX for a small balance and a set interest rate. Without any notice, or opportunity to pay the balance, I was told XXXX would be shut down. I was unable to access my account etc. then, I got an email from SST, but their email was alorica email address and they indicated that they were transferred my loan and I needed to pay before they report to the credit companies that I am late on payment on XX/XX/year>. The website they provided to set up an account was not working, so I called. I was told that multiple people had trouble accessing the website and that I could give my bank details via phone. I told the worker I did not feel comfortable doing so on XX/XX/year>, and I refuse to pay and give my personal information when he is unable to provide a website and I can see details of this supposedly high balance. I continue to get emails asking me for an amount of {$85.00} but there are no other balance details provided, and the website still does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Nelnet, Inc.
State: CO

Complaint narrative:
I submitted a complaint on XX/XX/XXXX ( ID number XXXX ) and the lender responded, but did not address the main concern. I would like to issue a new complaint or reopen the original complaint. 

XXXX XXXX XXXX addressed the reason why the interest rate increased, which they explain was due to a missed payment before 36 months. I understand and accept the increased interest rate. Although, I have 40 months of on-time repayment history for the life of the loan. 

My main reason for reopening this complaint is that XXXX XXXX XXXX did not address why the number of payments was significantly reduced from XXXX payments remaining to XXXX payments remaining. The company is not accounting for the time in which I was in deferment while obtaining my XXXX XXXX XXXX at the XXXX XXXX XXXX nor my XXXX  at XXXX XXXX XXXX XXXX when calculating the repayment period. 

If necessary, I can provide a history of payments and proof of enrollment. Below is a general timeline of my loans and history. I would like the servicer to restore the number of repayments back to XXXX  months given I was enrolled at least part time during the below timeframes. 

Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX to XX/XX/XXXX : 3 months of on-time payments. XXXX ) XX/XX/XXXX to XX/XX/XXXX : in school deferment period ( XXXXXXXX XXXX XXXX XXXX XXXX ) ; XXXX  months no payments required. XXXX ) Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX to XX/XX/XXXX : 36 months of on-time payments. XXXX ) XX/XX/XXXX to XX/XX/XXXX : in school deferment period ( XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX  months no payments required. XXXX ) Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX : late payment In summary, the original loan was to be repaid in XXXX months. 

I have made XXXX full payments while in the standard repayment periods. This means I should have approximately XXXX payments remaining. The servicer needs to account for the periods in which I was in deferment in their documentation and calculations of my monthly repayment amounts. In the first submission with this complaint D number XXXX ), statements were provided that also support XXXX total months remaining to repay. The remaining balance of my loans paid over the full XXXX  monthly periods should be how my total monthly payment is calculated. Given all of the above, I would like the complaint initially filed to be reopened until complete resolution is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Experian consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.The following accounts were opened in my name. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity The Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I asked the company the verify that the debt was valid which they did not. I do not believe this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit report. 

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 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 2024-10-13 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: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
Accounts on my credit report are not mine and need to be removed

Company response to consumer: Untimely response