vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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 am submitting this request to formally dispute certain items on my credit report that I believe are the result of fraud. I have identified the following items as fraudulent, as they do not belong to me and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX, XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance XXXX {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2024-08-24 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: LA

Complaint narrative:
Experian, XXXX, and XXXX are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
RE : Dispute of 30 day late payments Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account XXXX : XXXX XXXX  Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made a XXXX full payments on XX/XX/year> and XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing full payments means that I was not late.

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 2024-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
I purchased a Vanilla Visa card on Friday XX/XX/year>. I placed {$300.00} on the card and it was stolen, before it was even taken out of the cardboard wrapping. I thought maybe it was in my car, as my car was full. ( This gift card was purchased for my best friends celebration of life. She was murdered. We were best friends for 30 years and one of our favorite things to do was to go to the mall at XXXX time and put money and a card in an envelope, hand it to strangers, and hide and watch them open the card. We loved seeing their faces light up. ) so this card was going to be part of the celebration. My car was full as she didnt have any family and I was the only one to throw it for her. When I finally got my car clean, no gift card. I called the company, Incomm, right away to report it stolen. They had me email a copy of my drivers license, verification of address, and a copy of the receipt. I sent it in and got a receipt confirmation. I called the next day to confirm the card got cancelled and to know the balance as of cancellation. Customer Service kept telling me to allow 10 days. Who makes you wait 10 days before canceling a card that is reported as stolen. All I wanted to know was if the card was cancelled and the balance. They couldnt even provide that info. I said I was fine waiting for the funds, and allowing them to investigate, but I was not ok with them taking 10 days to cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
I received a letter dated XX/XX/year> from XXXX XXXX XXXX stating that in pursuant to the XXXXXXXX XXXX XXXXXXXX settlement my federal student loans will be discharged. I have contact Mohela my student loan servicer on several occasion in regards to my account and provided Mohela with a copy of the discharged letter. Mohela has stated that my account is approved for discharged under the borrowers defense against repayments, however my account is still reflecting a balance. And when ever I contact them in regards to this balance they would not provide me the details I am requesting. Mohela refer me to other agencies such as XXXX who in turn tells me that they have limited access to my account, I will have to contact Mohela who owns my accounts. When I try to contact Mohela via telephone I unable to reach anyone and when I contact them via email they do not provide me with all the details of my account and refer me. I would like to know the details of my account that is still reflecting administrative forbearance incurring interest, why is my account reflecting a balance when I was approved for the student loan forgiveness. 
Once I make contact a day later my account will reflect a XXXX balance then after a few days/weeks it will reflect a balance again, interest and a payment amount. This is very frustrating going back and forth without being unable to speak with someone in order to get the complete details regarding my account from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.

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 2024-08-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.

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 2024-08-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

Complaint narrative:
I am submitting this request to formally dispute certain items on my credit report that I believe are the result of fraud. I have identified the following items as fraudulent, as they do not belong to me and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX, XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance XXXX {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-24 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: NC

Complaint narrative:
On XX/XX/2024 a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on XXXX XXXX and Trans Union credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. 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 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 2024-08-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on Experian XXXX and XXXX XXXX credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. XXXX XXXXXXXX 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 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 2024-08-24 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: FL

Complaint narrative:
I am writing to request the deletion of the following information from my file. The items I am requesting to be deleted are listed in the attached report. did not make the charges in question. 
I have reported and have enclosed copies of the Federal Trade Commission Identity Theft Affidavit for your reference. 
Please delete these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The Response below from Comenity Bank/Comenity Capital Bank is a lie since the unauthorized hard inquiry still shows up on my credit report, causing significant distress and potential financial harm. I have call logs from Comenity Bank/Comenity Capital Bank that they harassed me by calling me after they found out they made a mistake. Their repeated evasion of the unauthorized hard inquiry when asked about it is evident in these call logs. They also appear to misrepresent themselves to consumers and XXXX, as XXXX keeps saying, " we didn't get any information from Comenity Bank/Comenity Capital Bank but we are trying to remove it and its hard since Comenity Bank/Comenity Capital Bank doesn't inform us of anything. Also my credit report clearly shows the unauthorized - Hard Inquiry " Inquiry details. 
COMENITYCAPITAL/XXXX  XX/XX/2023 '' Comenity Bank/Comenity Capital Bank already has a lot of complaints from consumers due to its illicit activities. 
There should be Monetary relief of ~ $ XXXX since my credit score took a ding by some points due to their unauthorized hard check, which prevents me from obtaining the best rates in loans, mortgages, etc. 

Below Are Comenity Bank/Comenity Capital Bank lies/evade their wrongdoing : " Company 's Response " We previously requested that the credit reporting agencies remove the inquiry from the credit report. We reached out to XXXX, and they confirmed they could not find an inquiry about this. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because Capital One has refused to provide a copy of the original contract related to an account that is currently reported on my credit report as a " Collection/Charge-Off. '' Despite my repeated requests under the Fair Credit Reporting Act ( FCRA ) for documentation bearing my signature that verifies the debt, Capital One has not provided the requested documentation. 

In a letter dated XX/XX/scrub> 2024, Capital One stated that they do not have a paper copy to send because the application was taken over the phone or the internet. However, this does not absolve them of the responsibility to provide the necessary documentation as required by law.

The failure to provide this documentation is obstructing my ability to verify the legitimacy of the debt. Moreover, it is causing significant harm to my financial well-being by negatively impacting my credit score, which affects my ability to obtain credit, particularly as I am preparing to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this is my follow up complaint for the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$710.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}.

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
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase, order # XXXX, from XXXX XXXXXXXX XXXX XXXX through XXXX on XX/XX/year>. It was for a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I used PayPal Credit ( Synchrony Bank ) through my XXXX account. I did not receive the item. I was advised to contact the shipper ( United States Postal Service ) and to file a dispute so the money would not be released to the seller. I complied with both requests. I was contacted by the shipper ( XXXX ) pertaining to the claim I filed and was advised verbally as well as in writing that the package with the tracking number ( XXXX ) given me by the seller did not have my address on it. I sent a copy of this letter to PayPal Credit XXXX XXXX to date to no avail. They just keep sending me a standard letter stating that they have contacted the seller and was given papers showing the package was delivered, As far as I am aware they have not contacted the shipper to verify the actual address on the package. According to the shipper they can not release the actual address on the package showing where it was delivered to, to me because it is not my address and they do not want me going there. In conclusion, I made a purchase, I still have not received that purchase or a refund. I would really like to have this resolved. I am not a thief and I don't see why I should have to pay for something I DIDNOT receive. I have copies of all chats and correspondents if you require them. Thank you for looking into this I really appreciate it.

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
Consumer complaint received 2024-08-24 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: LA

Complaint narrative:
XXXX, Transunion, and XXXX are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2024-08-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX, XXXX, and Equifax are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
Recently I locked at copy at a copy of my credit report amd noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX. Account Number : 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