vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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 am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized items removed from my credit file. 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX  - Account : XXXX - Date : XXXX XXXX - Amount : {$2100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX XXXX - Amount : {$640.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1800.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$670.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$260.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$430.00} XXXX. XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX - Date : XXXX XXXX. XXXX - Date : XXXX ( listed twice ) XXXX. XXXX XXXX NA - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX  XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one accepted payment then places an illegal unjustified restrictions on my account and is preventing me from using my credit limit, I need my account restrictions removed and account a promise that this isn't going to happen again as a show of good faith I want my credit limit increased aswell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
Reporting accounts XXXX XXXX and XXXX XXXX that doesn't belong to after. After submitting proof and ftc report the credit bureaus refused to remove accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Reporting accounts XXXX XXXX and XXXXXXXX XXXX that doesn't belong to after. After submitting proof and ftc report the credit bureaus refused to remove accounts.

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 2024-11-25 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-25 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 non-monetary relief
Consumer complaint received 2024-11-25 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: MO

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft related to a data breach. 
The fraudulent activity associated with my identity has resulted in unauthorized accounts and inquiries appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX  o Account Numbers : XXXX, XXXX, XXXX o XXXX Reported : XX/XX/XXXX and XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$8800.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$2300.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Numbers : XXXX, XXXX o Dates Reported : XX/XX/XXXX and XX/XX/XXXX o Balances : {$2100.00} and {$520.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1700.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$150.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$4200.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MO

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft related to a data breach. 
The fraudulent activity associated with my identity has resulted in unauthorized accounts and inquiries appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX o Account Numbers : XXXX, XXXX, XXXX o XXXX Reported : XX/XX/XXXX and XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$8800.00} XXXX. Creditor Name : XXXX/XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$2300.00} XXXX. Creditor Name : XXXX XXXX CO o Account Numbers : XXXX, XXXX o Dates Reported : XX/XX/XXXX and XX/XX/XXXX o Balances : {$2100.00} and {$520.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1700.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$150.00} XXXX. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$4200.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-25 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: TX

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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 explanation
Consumer complaint received 2024-11-25 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Xfinity My mobile device no longer could get calls or make calls. I used another device to contact customer service only to be told by the representative that there was three calls placed, from someone identifying themselves as me. That individual took my phone number XXXX and transferred it to my daughters XXXX XXXX. Took my daughters phone number and it became obsolete and then my phone was given another new number in its entirety. Which was XXXX. 

I asked numerous questions, I asked for security, they refused to give me any information. 

Of course immediately due to security reasons and lack of the ability to protect my privacy and the privacy of a minor child I terminated the contract with XXXX. 

This needs to be removed from all 3 credit bureaus as it is affecting my score and ability to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I received a letter from XXXX XXXX in XX/XX/year> stating a credit card that i had had for years was being cancelled due to low credit score. After checking with Experian, XXXX, and XXXX I realized there was a fraudulent credit card issued by XXXX to someone named XXXX. This was a case of identity theft. After contacting XXXX I received their Identity Theft Affidavit. I returned it with all the requested information including a XXXX XXXX Police Report, dated XX/XX/year>, CR # XXXX. 
I received a letter from XXXX, XX/XX/year> stating that the account had been closed as a fraudulent application account. They stated that XXXX submitted a request to Experian, XXXX, and XXXX to have the account deleted from my credit file. 
XXXX and XXXX complied and my credit report filed has returned to normal. 
However, despite all attempts to correct the fraudulent credit card on my Experian report, they claim in an email received today, XX/XX/year> that the XXXX original fraulent claim is correct. I have sent multiple letters to Experian including the following : copy of the fraud packet requested by XXXX, copy of XXXX Police report, utility bill stating our Wyoming home address at the time the fraudulent card was opened in Arizona, copy of drivers license, Social Security number and copy of military ID. The dates of the letters sent are XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I would like your assistance to resolve this issue.

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 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the discharge of all my student loans due to XXXX  's misleading practices, misrepresentation, and failure to provide accurate and timely information regarding my repayment options. Throughout the life of my loan, XXXX  misinformed me by discouraging me from enrolling in an Income-Driven Repayment ( IDR ) plan, even though I was eligible. Had I been properly informed of the IDR option earlier, I could have made more affordable payments, and potentially qualified for forgiveness much sooner. Instead, XXXX  repeatedly pushed me into forbearance and deferment, which caused my loan balance to balloon due to capitalized interest, significantly increasing my debt. 

This mishandling of my loan has caused me severe financial strain, hardship, and emotional distress. It has negatively impacted my mental health, leading to XXXX and significant relationship strain, as well as difficulties with child care. I have also experienced feelings of sadness and envy toward those whose families could afford tuition, while I have been burdened by an ever-growing loan balance that I have struggled to repay. XXXX  's actions have made the entire student loan process unnecessarily complicated and stressful, and their lack of support or guidance during this time has been unconscionable. 

As a XXXX  for the past 25 years, I have dedicated my career to helping others, including working with underserved populations and for nonprofit organizations. I have been eligible for the Public Service Loan Forgiveness ( PSLF ) program, especially given my service during the COVID-19 pandemic, when I was forced to care for COVID XXXX  due to my commitment to saving and improving lives. Despite my dedication to serving others, XXXX  's actions have exacerbated my financial difficulties, and I believe I am entitled to have my loans completely discharged due to their gross mismanagement and neglect. 

I respectfully request that the CFPB take immediate action to investigate these practices and work towards the full discharge of my student loans. The stress and suffering I have endured as a result of XXXX actions have been unacceptable, and I am seeking resolution and relief. 
THANK YOU FOR CONSIDERATION REGARDING MY REQUEST FOR RESOLUTION REGARDING THAT MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This happen 2 years ago, and final recipient not match with current claim, they are manipulate XXXX  XXXX, and ask him to write to them without my acknowledgement, I already call them and let them know I do not want to renew my contract. And final recipient also not match with what send it to us. They manipulate XXXX  XXXX and ask him to write email to use aganist him. There is no clause in my contract said written notice required and I call them in one moth, and last recipient is showing XXXX, where is {$1500.00} come from. Last recipient attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
the file was under investigation about a year ago and I disputed it again becuase the file failed to check an address assoviated that is not mine they even told me when I called that no we have no information how ever they keep reporting so I thionk are they playing or they do not understand me as they hardly spoke english i dispute as I do not recognize or have accepted that this is my debt as I do not understand why the credit agencies is reporting it when I know the other credit agencies are not all accounts no 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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