vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On [ XX/XX/XXXX, I discovered that my personal information had been compromised in a data breach, resulting in unauthorized accounts and transactions. 

I took the following actions : Contacted the companies involved : I reported the fraud and requested that the affected accounts be frozen or closed, as required by the Fair Credit Reporting Act ( FCRA ). 

Filed a police report : I reported the theft on [ Insert Date ], in accordance with the Identity Theft Enforcement and Restitution Act of XXXX. 

Notified the credit bureaus : I contacted XXXX, Experian, and XXXX to place a fraud alert, in compliance with the Fair and Accurate Credit Transactions Act ( FACTA ). 

Filed an FTC Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on [ Insert Date ], as per the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am taking steps to protect my identity and prevent further misuse of my information, including requesting credit monitoring and fraud alerts as required by applicable state and federal laws.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Good day, I cant emphasize enough how frustrating and overwhelming this situation has been. Out of nowhere, I discovered a debt that I have no knowledge ofcompletely unverified and not mine. To make matters worse, Ive been bombarded with harassing messages and calls from various platforms, each using different tactics to intimidate me. I never imagined facing threats of legal action over something I have no connection to. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. The constant harassment and the presence of this false debt on my credit report have taken a serious toll on my mental health, leaving me anxious and unable to sleep for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, I am writing to seek assistance with a serious issue I have encountered with PayPal. My husband transferred a total of {$20000.00} to my PayPal balance between XX/XX/XXXX and XX/XX/year>. PayPal charged a 3 % fee for these transfers. On XX/XX/year>, I attempted to withdraw these funds to my bank account, but due to issues with the transaction, I contacted PayPal support. With the help of the support agent, we split the transfer into smaller amounts of {$2000.00}, {$3000.00}, and {$1000.00}, successfully transferring {$15000.00} to my bank account. 

However, after completing these transfers, my PayPal account was locked, and the funds were reversed from my bank account to PayPal due to " suspicious activity. '' I filed a complaint requesting the return of my funds and the removal of the account restrictions. I submitted all necessary documents to verify my identity, my husband 's identity, and the legitimacy of the funds. Despite this, my complaint was denied. 

As a result, my funds have been held by PayPal for over two weeks, and I am unable to access or use them. This situation is causing significant financial inconvenience, as PayPal is not only holding my money but also benefiting from it without my consent. Additionally, PayPal charged my husband a 3 % fee for the transfers. 

I kindly request your assistance in resolving this matter by returning my funds and compensating for the financial losses incurred due to my inability to access my money. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon examining my credit report, I noticed a number of accounts that I believe were added fraudulently. Please ensure these accounts are blocked and removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I have identified unauthorized activity on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries : Fraudulent Account XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$89.00} Fraudulent Inquiries 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 2024-12-02 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 am writing to inform you that I am a victim of a data breach that has led to unauthorized accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit report. These accounts were fraudulently opened or reported in my name without my consent. 
Unauthorized Accounts : 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 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 2024-12-03 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: NC

Complaint narrative:
While reviewing my credit report, I noticed several discrepancies in billing. The reported late payments are not reflective of my usual payment behavior. Kindly resolve these errors and update my account. Thank you!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found fraudulent inquires in my credit report.please remove that XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IA

Complaint narrative:
I have discovered several fraudulent accounts and unauthorized inquiries on my credit report that are the result of identity theft. The accounts in question, including those from XXXX XXXX XXXX, XXXX XXXX XXXX, and others, do not belong to me and were opened without my authorization. Similarly, inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX are unauthorized and are also the result of identity theft. 

These inaccuracies have caused significant harm to my credit profile, including a lower credit score, and have impeded my ability to access financial services. 

I have invoked my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) to have these fraudulent accounts and inquiries permanently blocked and removed from my credit file. Despite my formal request to the credit reporting agencies, they have failed to take the appropriate corrective actions. 

I have included documentation to support my claims, including proof of identity theft. I expect immediate action to remove these fraudulent accounts and inquiries from my credit report.

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 was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have asked them to provide me validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ), which requires debt collectors to provide consumers with certain information and rights related to debt validation.. I recently received your communication regarding this debt on [ date of correspondence ], which stated the amount of stated amount owed to original creditor 's name. They have not provided information asked for.

Validation of the Debt : A detailed accounting of the debt, including the original amount, interest, fees, and any payments or credits applied.

Identification of the Original Creditor : Documentation establishing the original creditor, including proof that you have the authority to collect this debt.

Proof of Your Authority to Collect : Copies of any agreements that demonstrate your authorization to collect this debt on behalf of the original creditor.

Verification of My Responsibility : Documentation that establishes my legal obligation to pay the debt, such as a signed agreement or contract.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do not owe XXXX a debt and they do not have a contract listing i owe them this debt and it is reporting inaccurately so it needs to be removed due to the fair credit reporting act

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, an auto loan account opened at XXXX XXXX XXXX XX/XX/2018 account # XXXX XXXX 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 XXXX XXXX XXXX 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 THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER 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 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: NY

Complaint narrative:
This is not my account. I'm disputing this because this account or a part of a data breach which my XXXX XXXX XXXX was stolen. Please remove this account. as I am a XXXX XXXX XXXX XXXX due to a data breach I have never authorized this and have never had any agreement with or done any business with this company.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I am filing this complaint regarding Midland Credit Management. They have been repeatedly contacting my phone number in an attempt to reach an individual who is deceased. I have informed them of this fact, yet the calls persist, disrupting my household and causing undue stress. 

This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), as these calls are unwarranted and harassing. I request that Midland Credit Management immediately cease all communications to this phone number and update their records to reflect that the individual they are seeking is deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: DC

Complaint narrative:
I enrolled in the SAVE plan for my federal student loans. 
As described on the FAFSA website, " If you are in the SAVE forbearance : As described above, XXXX has placed borrowers currently enrolled in the SAVE Plan ( previously known as the Revised Pay As You Earn, or REPAYE, Plan ) into a general forbearance because their servicers are not currently able to bill them at the amount required by a recent court order. Interest will not accrue under this forbearance, which will last until the legal situation changes or servicers are able to send bills to borrowers at the appropriate monthly amount. Furthermore, time spent in this general forbearance will not count for PSLF or IDR forgiveness. '' I am currently accruing interest on my student loans being handled by MOHELA. 
I have received a letter to this effect from MOHELA. 
My loans list the current interest rate at 0 % for all loans. 
I am accruing interest. This is illegal.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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

Complaint narrative:
Today, on XX/XX/year>, I waited over 5 hours on the phone to speak to somebody at MOHELA. I first waited an hour and a half to speak to a rep who could not assist me. He transferred me to another department, where I waited almost 4 hours to speak to someone, and then they closed for the day. I also sent them this written documentation today, which describes my issue and requests in detail : Hello, here is my situation : I received a letter on XX/XX/year> saying my SAVE loans that are in forbearance are still accruing interest, even though they should not be, according to all other documentation on your website ( please reference this message that you sent to me for context ). When I compare the " unpaid accrued interest to date '' in the letter to my loan balances, it seems that those interest amounts have indeed been added to my balances .... My questions are : 1 ) is additional interest accruing on my loans under the current 0 % rate? 2 ) if not, why did I receive this notice about accrued interest if my interest rate is 0 %? 3 ) why is interest accruing in the first place if I'm under the SAVE plan and I've been paying my monthly minimums on time? There should be no interest at all. In fact, I've done research on this topic, and the interest should be subsidized each month - see this XXXX thread in XXXX for an explanation : XXXX XXXX XXXXXXXX 4 ) I would like a detailed breakdown that explicitly distinguishes between my principal and unpaid interest as well as written documentation that no unpaid interest has been or will be capitalized into my principal balance as long as SAVE conditions are met, which they have been 5 ) I would also like for you to subsidize all of my interest that has been paid and will be paid in the future. Thank you for your help, I really appreciate your assistance on this important matter.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation