vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Meta Payments Inc.

Complaint narrative:
So i went to the atm and take out some money and saw that my balance was way less than it supposed to be i went into the bank and got a draft form the bank and they said i have a processing payment from XXXX for XXXX usd XXXX xcd so when i look into it it seem as though none of my account were charged to pay this amount i try to reach out to XXXX and was told to provide proof when i did i was later sent to the ad XXXX support page which did not help me this is because none of my pages have access to my credit card so no payment should not come from them. The issue is someone made an order that is not me and the bank already told me to reach out to XXXX i try my best to get it returned and refunded but the process seem so sketchy. please send back the amount taken and cancel i can see form my online banking that the payment is still processing it is not valid and shame on the persons who use my credit card to pay for XXXX subscription

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
I am submitting this complaint to request the immediate removal of an unauthorized account that appeared on my credit report due to identity theft following the Equifax data breach. The account in question is listed as XXXX XXXX XXXX ( Account Number : XXXX ). 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am entitled to the deletion of any fraudulent account or information resulting from identity theft. I have submitted all required documentation, including an identity theft report and supporting affidavit, proving that this account was fraudulently created and does not belong to me. 

This unauthorized account has caused significant harm to my credit report and financial well-being. I respectfully request immediate action to remove this account and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: WY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. The account in question for {$660.00}, listed under XXXX XXXX, XXXX requesting proof of my responsibility for this debt, or any legal obligation to pay it, under the provision of the Fair Debt Collection Practices Act, Section 809 ( b ). I kindly request the following documentation : The amount of the debt and any additional charges such as interest or fees ; Documentation that shows I agreed to pay the alleged debt ; prove that this companys license to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX XXXX XXXX XXXX {$39000.00}XXXX XXXX XXXX  BA balance {$0.00}, XXXX XXXX XXXX XXXX {$15000.00XXXX XXXX balance {$90.00}, XXXX XXXX XXXX {$930.00}.

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 2024-11-22 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: LA

Complaint narrative:
Since the data breaches, there are multiple accounts showing up that are not mine. I need them deleted immediately as they are hindering me from obtaining a mortgage loan.

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 2024-11-22 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: LA

Complaint narrative:
Since the data breaches, there are multiple accounts showing up that are not mine. I need them deleted immediately as they are hindering me from obtaining a mortgage loan.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX on XXXX  up to XX/XX/2024 i notice money was being taken out of my account causing XXXX accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
on XXXX on XXXX up to XX/XX/2024 i notice money was being taken out of my account causing three accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD

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 2024-11-22 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: SC

Complaint narrative:
There are inaccuracies on my credit report showing late payments, which are inconsistent with my history. Please address and update.

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 2024-11-22 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.

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 explanation
Consumer complaint received 2024-11-22 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: NV

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
In XXXX of 2023 I had a hacker or unauthorized person access my account. These people were buying and selling XXXX  and XXXX. I noticed a couple of day late and reached out to Robinhood to resolve this issue. They were no help and denied wrong doing. What the unauthorized user did was do a bunch of large instant deposits and purchased mainly XXXX and withdrew it into other XXXX XXXX  without the funds ever clearing which made my account go into a deficit. The amount is close to {$36000.00}. I reached out to Robinhood and it took time for them to lock my account. Worst part is they locked ME out of MY account, the actual owner and allowed the people to continue to do unauthorized transactions. I have only deposited money into this account never withdrew a dime. There was close to XXXX transactions within a week period. I have emails to back this up. Stating I am not the one doing these transactions and I cant stop it because you locked me out. I asked to speak to a manager or supervisor who is from the United States as everyone I talked to had trouble with the language and I kept getting denied or ignored. In some cases they literally copy and pasted the same responds, didnt even have the decency to change a single word which really showed me how much they didnt care and were trying to make it go away. A couple of times they said they escalated it and would reach back out and never did I had to do a new claim several times. How can you lock me out but have other people still in there doing false transactions then keep saying there was no issue with my account and it was me and clearly it was not. Not sure how people got into my account but once I noticed and told them they allowed them to keep doing transactions which makes them at fault as well as having to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
All of my student loans have been forgiven under the rules of XXXX, effective XX/XX/XXXX. Forgiveness took almost all year, was done in increments, and was completed in late summer, and I was still making payments through XX/XX/XXXX before I was put in forbearance to wait for the forgiveness process to complete itself. 

However, MOHELA, the servicer assigned to me, never reimbursed the payments I made that exceeded the XXXX payment PSLF requirement. I am owed reimbursement for payments made after my effective forgiveness date, and MOHELA has ignored my questions about when this reimbursement would occur, and, in fact, has communicated nothing about reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I recently submitted a request to block my accounts however, it appears that this request has not yet been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 2024-11-22 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: SC

Complaint narrative:
Unauthorized hard inquiries listed under 15 USC 16c-2 need to be removed as they are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I initially reached out to Jefferson Capital and requested verification of the debt in question on account XXXX for XXXX XXXX. In response, they sent me one statement, but it did not provide sufficient evidence to confirm that I owed the debt. 

Following this, I called Jefferson Capital to request additional documentation to substantiate the debt. However, I did not receive any further information or documents. 

On XX/XX/XXXX, I sent a written follow-up request by mail, explicitly asking for the purchase agreement for the debt and requesting that the documentation be sent within 30 days. As of today, I have not received the requested information. 

I am seeking the CFPB 's assistance to address this issue and ensure that Jefferson Capital complies with my request for proper debt verification as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I am writing to request corrections to the personal information on my credit report, as it is currently inaccurate. This issue has been causing significant trouble with my credit applications, which is extremely frustrating. Additionally, Ive noticed that the incorrect personal information seems to be leading to the appearance of unknown and inaccurate accounts on my report, further complicating my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
XXXX was requested to delete Hard inquires that was not authorized on my consumer credit report and they failed to uphold to 15 USC 1681 and 15 USC 1602. The following inquires are not authorized and need to be deleted. XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), XXXX ( XX/XX/year> ), XXXX-XXXX  ( XX/XX/year>. I ALSO WANT ALL ADDRESSES THAT ARE NOT CURRENT DELETED, ALL PHONES NUMBERS THAT ARE NOT CURRENT, AND NAMES THAT ARE NOT MY CURRENT NAME DELETED.

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