vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
Experian : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : 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 2024-03-08 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: GA

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. 

Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX  i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage has been misappropriating funds toward my payments. They have been taking money in and out causing extraordinary late fees. I have a great deal of distress in my life due to the co-owner abandoning the property in which they are now in hospice care. I am doing everything I can to catch up with my mortgage. I had a customer care agent inform me they have locked my account and will shread my payments unless it is XXXX by XX/XX/year>. I worked out a plan that was going to get the account current on XX/XX/year>. I was able to call back and speak to another customer care agent that accepted my payment plan. I don't know what they are doing with my payments and I feel like I am being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
Recently, I was able to sell my late Mothers Home. After the sale, I was left with {$7700.00}. I went to deposit the check at Commerce Bank to pay off my credit card and close the account. I deposited the check and was told I would have to wait seven days to access the funds due to multiple overdrafts on the account. I have overdraft protection on my account, and when the account goes negative ( usually due to bank fees since I only use the account to pay on the credit card ), the overdraft protection will deposit money into the account. I dont understand why I am being punished for overdrafting the account while I have overdraft protection. 
Additionally, when the credit card deposits funds into the account, I pay a fee for the cash advance, too. It seems overly aggressive, and I wanted to make the CFPB aware of Commerce Banks treatment of its customers. There have also been times when Commerce Bank was the cause of the overdrafts. On XX/XX/2022, Commerces system prevented pending deposits and only allowed scheduled debts to be taken out. This caused my account to go negative due to the bank system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
Dear Equifax My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Re : Discrepancy in an Experian Address Change Dispute Report Number XXXX Dear Experian Dispute Resolution Team, I, XXXX XXXX XXXX XXXX am writing to address a persisting issue regarding the recent address change dispute filed with my Experian online account, under report number XXXX. Despite my initial complaint and subsequent investigation, the discrepancies in my credit report have not been rectified. 

On XX/XX/year>, upon reviewing and printing my Experian online credit report, I have verified that my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX ) was accurately documented in my online Experian account. However, on XX/XX/year>, I have discovered that my address had been tampered with. It appears that unauthorized individuals, under various names, including possibly fictitious or identical aliases, accessed my Experian online credit file account and omitted my apartment unit number, XXXX, associating it with false identities. 

Promptly on XX/XX/year>, I have filed an online dispute with Experian, providing evidence of my correct address through the uploaded first page of my contractual rental lease agreement with XXXX XXXX XXXX XXXX, operating as XXXX XXXX XXXX ( See Exhibit A ). Additionally, upon reviewing my Experian credit report, I have noted incorrect address ID numbers associated with the XXXX XXXXe Apartment complex ( address ID numbers XXXX and XXXX ) ( See Exhibit B ). 

Following the dispute submission, I have received an email notification from Experian stating that my " dispute is completed, '' and the " dispute report number XXXX results are ready for review '' ( See Exhibit C. However, upon review, it became evident that the discrepancies outlined in the initial dispute remain unresolved. My residential address still lacks the XXXX XXXX XXXX XXXX 

I am deeply concerned about the unauthorized alteration of my residential address and the potential implications of my identity theft problems. It is distressing that I received no notification from Experian regarding the change to my address between XX/XX/year>, and XX/XX/year>. This further raises suspicions that individuals using false identities have gained control of my Experian online account.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent multiple letters to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to validate several accounts being reported on my credit report and to provide me with copies of any documentation associated with these accounts, bearing my signature and that I formally request that this information be immediately deleted from my credit file under my Social Security number. I have also sent multiple Failure to Investigate letters with nothing being verified. The credit reporting agency claim the accounts were verified but did not furnish proof, these laws were violated 15 USC 1681s -2 ( b ) and 1692 ( g ). I also stated in my letter I do not consent to e-Oscar or any means of automated verification. They continue to update the credit file with continued negative information under my Social Security number. They have violated my privacy, I can not move nor can I apply for another job with this negative information being reported. The credit bureau has violated my rights by not properly investigating my dispute. I have not given them permission to put anything on my report. I want these accounts deleted from the credit file they maintain under my Social Security number. These are the accounts I have previously disputed : 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 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
To whom it may concern I previously had XXXX, and was changed to Mohela. I kept on getting phone calls saying that I was approved for student loan forgiveness. Not knowing if this was a scam or not I didnt give any of my information out so I tried to call Mohela and can not get a hold of anybody. They keep raising my payments and Im trying to get on a repayment plan but trying to figure out why they keep changing the amount do to the interest are effecting my amounts. Ive stayed on the phone waiting and I can not get a hold of a person. I want to make sure that the phone calls that I was receiving about me being approved for student loan forgiveness were legit not a scam, I dont know what else to do but to contact you guys to help me. My account number with Mohela is XXXX. Below it is my email my phone number my email does have a Y in it its not a G. 


Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please see the attached letter which was received today XX/XX/24. First, the information is incorrect. See attached screenshot of the Truist app XXXXtaken today XX/XX/24 at XXXX. 

Clearly indicates that {$200.00} was due XXXX so not even 30 days late. 

They will get their money-heck, they are charging interest on it anyway-so they need to chill out and stop sending threatening letters. They are wasting paper and killing trees.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
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 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 non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Violated privacy reported late payments 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
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Violated privacy reported late payments XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
Violated privacy reported late payments 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
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: OH

Complaint narrative:
For the past 3 months a technical issue has prohibited me from accessing my Klarna account via Mobile or the website. When I try and login to Klarna I receive the following error : 'To use Klarna you must login with your mobile number. ' I have tried using my email and get the same response. I have not changed my phone number and Klarna was working perfectly fine for well over a year before this issue. 

I have several loans that have missed payments due to unknown reasons. But, I can not log into my account to find out. Klarna is sending harassing letters telling me to login to my account and make a payment. If I have issues making a payment I am told to visit the Klarna support site which I can not also log in to. 

Klarna is now threating me with collections, account termination and has charged several late fees for an issue that is clearly on their end and not mine. Klarna touts that it fired it's support staff and now uses AI based support, but their systems can not even figure out a basic login loop.

Company response to consumer: Closed with explanation