vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been incarcerated since XX/XX/2018 and im unaware of the said accounts. Please remove this account from my credit report, 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 non-monetary relief
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been XXXX  since XX/XX/year> and im unaware of the said accounts. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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 was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. Ive always checked my credit report regularly, and this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The wrong accounts stayed there. This is extremely frustrating, and I need the documents Ive sent to be reviewed carefully so I can stop worrying about this issue for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. I routinely check my report, but this time I found unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. I'm extremely frustrated and need the documents I've submitted to be reviewed immediately, so I can stop worrying about this issue once and for all.

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 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a XXXX XXXX XXXX ( XXXX ) administered by the US Dept of Education. The loan defaulted in XXXX, as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took XXXX XXXXXXXX XXXX until XXXX to default this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed to have BOTH a COVID administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per US Dept of Ed COVID orders .... XXXX began reporting my defaulted XXXX loan to the credit bureaus in XX/XX/XXXX. There was also a US Dept of Education moratorium on negative credit reporting on Defaulted XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly 2 years before the credit reporting moratorium end date, causing housing issues and farther hardship.

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 2024-09-23 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: American Student Assistance
State: PA

Complaint narrative:
This is a XXXX XXXX XXXX ( XXXX ) administered by the XXXX XXXX XXXX XXXX. The loan defaulted in XXXX, as a result of hardship caused by job loss during the XXXX pandemic. I don't know why it took XXXX XXXX Assistance XXXX XXXX XXXX XXXX this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed XXXX have BOTH a XXXX administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per US Dept of XXXX XXXX orders .... XXXX began reporting my XXXX XXXX  loan to the credit bureaus in XX/XX/XXXX. There was also a XXXX XXXX XXXX XXXX moratorium on negative credit reporting on XXXX XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly XXXX  years before the credit reporting moratorium end date, causing housing issues and farther hardship.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a XXXX XXXX XXXX ( XXXX ) administered by the XXXX XXXX XXXX XXXX. The loan defaulted in XXXX, as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed XXXX have BOTH a XXXX administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per XXXX XXXX  of XXXX XXXX orders .... XXXX began reporting my XXXX XXXX  loan to the credit bureaus in XX/XX/XXXX. There was also a XXXX XXXX XXXX XXXX moratorium on negative credit reporting on XXXX XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly XXXX  years before the credit reporting moratorium end date, causing housing issues and farther hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-23 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: GA

Complaint narrative:
I am writing to bring to your immediate attention a serious violation of my consumer rights regarding unauthorized hard inquiries appearing on my credit report. After a thorough review of my credit file, I have identified several inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-23 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: NY

Complaint narrative:
My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
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 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I spoke with a XXXX in the escalation department and she confirmed that my surety report was used to discriminate against me to deny my extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-23 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: NJ

Complaint narrative:
Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file. 
Specifically, the inaccuracies include : XXXX. Account Number : The account number differs from what is reported on XXXX. 
XXXX. Date Last Active : The date last active is inconsistent. 
XXXX. Date of Last Payment : The date of last payment is incorrect. 
XXXX. Last Reported : The last reported date is inaccurate. 
XXXX. XXXX XXXX : The payment status is incorrectly reported. 
XXXX. High Credit : The high credit amount is inaccurate. 
XXXX. Date Opened : The date opened is inconsistent. 
I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within XXXX days. 
Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The company is a bank, PNC. In XXXX I applied for and was approved for an installation loan by BBVA ( before the bank became PNC ). The interest rate was fixed and monthly was {$180.00} and for 48 months. 
I received an invoice from PNC that my last payment will be {$530.00} due in XX/XX/XXXX. 
For the record, I never missed a payment or made payment more than the allowed grace period. 
I called PNC on XX/XX/XXXX and was unable to get an explanation why I'm being asked to pay more that the regular {$180.00} payment. I called again today and was given a convoluted answer that the amount ballooned during the transition from BBVA to PNC. I'm still trying to find out why the amount changed from {$180.00} to {$530.00}. The rep guessed that it may have happened during XXXX XXXX. For the record I never requested forbearance or skipped payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have found that inaccurate information continues to be reported, despite my previous disputes. The bureaus have verified this information as accurate, but I have provided proof with the attached letter showing it is incorrect. This ongoing reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information.

Continuing to report these inaccuracies without proper verification is also a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires furnishers to update and correct any information they provide to credit bureaus that they know or should know to be inaccurate. 

I respectfully request that this inaccurate information be removed from my credit report immediately, as the evidence I have provided shows it to be erroneous. Failure to remove this information could result in further violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Paid debt in full in XXXX, amount being reported is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Student loans that should of been Federal Loans went to private loans in XXXX there were XXXX loans totaling {$60000.00}. We have all other loans that are federal for XXXX students. Navient made this mistake like they did for many other students during this period. We were not disclosed the interest rate as well. Many phone calls were made to no resolution. For the last XXXX years we have been making payments. Our current loan dept. is {$60000.00} at an interest rate of 14 %. We have already paid {$60000.00}. but still ow {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communica- tion with a consumer in connection with the collection of any debt, a debt collector shall, un- less the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written no- tice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any por- tion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt, or any portion there- of, is disputed, the debt collector will obtain verification of the debt or a copy of a judg- ment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2024-09-24 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:
I discovered unauthorized inquiries on my credit report this morning and have no idea why. I checked my report as usual, but this time there were strange discrepancies. I even refreshed the browser thinking it might be a glitch, but the inquiries remained. Im really frustrated and I need the documents I sent to be reviewed carefully, so I dont have to worry about this anymore.

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 2024-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC
State: MI

Complaint narrative:
I was a victim of identity theft. Account shows on my credit report as a charge off. I requested a 1099-C as verification. Never received XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$580.00}

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 non-monetary relief