vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
( See attached ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, il [ XXXX ] XXXX last 4 of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that XXXX XXXX does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein 1 of 4 of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX trademarks used herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and noticed XXXX XXXX # XXXX is reporting a bunch of inaccurate late payments. 

XX/XX/XXXX and and XX/XX/XXXX - are both reporting 30 days late. 

XX/XX/XXXX, XXXX is both reporting 60 days late Every month after that is reporting charged off re-aging my account each month. 

The credit Bureau have a responsibility to make Sure everything thats reporting on my account is reporting accurate and complete. Please delete this account immediately as it is harming my credit. I will attach the credit report as my proof and a copy of my ID as proof of identity.

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 2024-12-03 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and noticed XXXX XXXX # XXXX is reporting a bunch of inaccurate late payments. 

XX/XX/XXXX and and XX/XX/XXXX - are both reporting 30 days late. 

XX/XX/XXXX, XXXX is both reporting 60 days late Every month after that is reporting charged off re-aging my account each month. 

The credit Bureau have a responsibility to make Sure everything thats reporting on my account is reporting accurate and complete. Please delete this account immediately as it is harming my credit. I will attach the credit report as my proof and a copy of my ID as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
XXXX XXXX received payment for the dbet by selling and also recieved tax credits by filing 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-03 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: WA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries mentioned below be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$920.00} Unauthorized Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries mentioned below be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern : Capital One My accounts WERE INCORRECTLY charged, due to first party fraud & account takeover, due to Identify theft. Due to first party fraud & identify theft, personal accounts were OPENED and used incorrectly while I was in the hospital. No one was authorized to open an account with Capital One CREDIT CARDS or TO be able to go in my personal checking account and withdraw money. There was fraud on my account, and I will upload all supporting documents including letters and emails that it was not me and I was not aware of suspicious charges or debit that was taking place on this or these accounts, due to the facts I was in the hospital from XX/XX/XXXX - XX/XX/XXXX. I would like for my funds to be credited back by check and all systems be update over the company so all delinquent past or present Capital One credit obligation ( s ) be removed from my name and account. 

Based on your application information, there are too many delinquent past or present Capital One credit obligation ( s ) Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Thanks, In advance Capital one XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm filing a complaint about an incorrect address on my Equifax credit report. The address " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX '' is not mine. My correct address is " XXXX XXXX XXXX, XXXX, NJ XXXX. '' This mistake could affect my credit, and I believe it violates the Fair Credit Reporting Act, which says credit reports need to be accurate. Im requesting that they be removed as soon as possible to ensure my personal information is accurate and up to date. Also, check how this error happened to make sure theres no fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MOHELA
State: MO

Complaint narrative:
In XXXX XXXX XXXX I had 5 payments left to complete the Public Service Loan Forgiveness program. I made 4 payments which I contacted you about previously because the payments were missing from my account. MOHELA found them and applied them to my account, but they did not apply them toward " due dates ''. There is a forbearance on my account, which I have asked repeatedly for them to remove, but they refuse. I called the Department of Education who said I should apply for a different repayment schedule. I applied for and was approved by the Dept of Ed for the ICR plan at a lower payment amount. MOHELA is now refusing to apply that repayment schedule. They are stating that it is the fault of the Department of Education. When I call the Department of Education, they are saying that it is basically whatever MOHELA says and there is nothing they can do. They have on their website that changing the repayment plan is an option, but it is NOT. I have a letter from MOHELA that states I can end my forbearance immediately, but when I try to do that, they refuse because they can not and WILL NOT put it back into SAVE or onto ICR. The Department of Education said I could apply for a " Buyback '' to get my PSLF completed, but that they will tell me a dollar amount that I have to pay off in order to get that benefit. I already paid all 5 payments under the ICR repayment amount. I completed my required employment on XX/XX/XXXX. I don't want to pay another $ XXXX amount in addition to the over {$950.00} that they are holding onto. MOHELA said to get a refund, I would have to wait over 90 days and I don't trust that the refund process will actually work at this point, so I didn't request a refund. It shouldn't be a refund, they should apply that money to the 5 due dates and then process my PSLF. One other thing - during all of this - interest is accruing. They are charging people interest while on a forbearance that people do not want. And if they ever do put a payment plan back on, it will be go-forward which is forcing me to work a lot longer in public service than I want to/need to. That is not fair at all. If I want to retire or quit - I can not due to this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MD

Complaint narrative:
Case Id from US Bank Card Member Services XXXX On XX/XX/year>XXXX XXXX XXXX  made an unauthorized withdrawal of XXXX from my checking account using a debit card. 

This started when I signed into XXXX XXXX. The screen looked exactly like XXXX XXXX except the screen said my account was on hold and to call a specific telephone number, which I did. The person I then spoke to spoke perfect English. He asked me whether I made recent purchases in XXXX XXXX XXXX XXXX. I said definitely not. 
This person then offered to help me to get my money back and to stop it from happening again. I fell for it totally. 

He got me to open and transfer to a XXXX XXXX account {$1100.00} which his computer would recognize and the amount would not be taken from my checking account. I fell for it. 
Later I contacted my bank, US Bank in XXXX XXXX Missouri within minutes of the call. I spoke to someone in the fraud department. They promised to help me, however they did not. 
I made several calls to the US bank fraud department. The case was escalated. At each level they said they did not have the authority to make a decision. Eventually the case went to a " supervisor '' Now all through all these calls, I could never speak to the same person. Each call went to a phone back. And I had to start over to explain what happened. And for each call I asked for the documentation to indicated to the bank I made the transaction voluntarily and received benefit. 
They explained the benefit I received was my name, phone number, address, birthdate, and social security number. I tried to explain this was not a benefit and the information is readily available on the Dark Web. 

I never received the document they spoke of ever though I requested it several times. They promised several times to send it top me. 

So at this time XX/XX/year> I am out {$1100.00} and the bank says the case is closed. I have not received the document the bank received from XXXX XXXX. 
The Case Processor at US Bank is XXXX and the number is XXXX. They are staffed 24 hours per day, 7 days a week.

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 2024-12-03 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: MI

Complaint narrative:
This was a total waste of time. They sent me a copy of my report but still don't send a copy to requestor. My security questions don't reflect items in my report. I can't get past the security questions on my own report. Thanks for nothing I was denied a XXXX XXXX because they didn't provide a copy of my report. I can't use XXXX XXXX cause they say hey can't prove it's me on my transunion.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXyncb/ Amazon Plcc , Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a Credit Card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$2200.00} under the account number XXXX that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 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 hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 Theft Criminal Complaint # XXXX ) 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to XXXX as well as TransUnion and XXXX as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : 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 2024-12-03 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: CA

Complaint narrative:
I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to XXXX as well as XXXX and Equifax as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My identity was stolen. Someone applied for this without my permission or consent. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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