vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my 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 2024-03-20 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: OH

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I received alerts from XXXX XXXX I had applied to multiple credit card/ retailers, but I did not. I immediately check XXXX  froze credit account and disputed false information such as address and telephone number. After reviewing credit reports the last 2 months I did not notice any new accounts and assumed nothing was approved. On XX/XX/year> I received email alert of a new account was open with XXXX XXXX I did not apply or open a new account. I tried disputing account and inquiries with Equifax who states inquiries are valid so will stay on account for 2 years, presently still awaiting results to close account/remove inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NV

Complaint narrative:
I want this address removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, since I do not recognize this address and it may be fraudulent, therefore I want this address removed, I have been having this problem for a long time and no The credit agency solves it and I want them to solve it.

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: WA

Complaint narrative:
On XXXX XXXX at XXXX i sent {$1200.00} with a company called Taptap mainly which sends money across XXXX XXXX have tried to reach out to them like two times a day ever since the transaction was initiated, have got no help to date and that's why am raising my compliant to either be refunded or send founds to the recipient.to also help others who might be in the some situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day. 
Account information below ACCOUNT NAME : CAPITAL ONE Balance {$4700.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Date the creditor last reported information about the account balance. 
Credit limit In open-end credit, the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. 
{$4000.00} Account info capital one credit card Account number : XXXX Open/closed Date opened Indicates the date an account was opened. 
XX/XX/XXXX Account type Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Past due amount The balance currently reported as past-due by the company holding the account. 
{$4700.00} Highest balance The highest amount that you have owed on an account to date. 
{$4700.00} Monthly payment Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX INVESTIGATE THIS ACCOUNT ABOVE AND REMOVE OR DELETE ACCOUNT 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE AND COMPANY CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
I have reached out to them several times to try and figure out why Im in forbearance. They also wont take me off. They told me that one of the reasons was due to the fact I filed a borrows defense application and that I was approved but they have to finish things up and that take time. They sent me something I was approved but I was not approved. I emailed them and by the time they responded they said that I reached out by phone so my issue wasnt an issue. I cant get a straight answer from these people. They call and tell you something different each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 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: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my 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 2024-03-19 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 urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my third time submitting this request. Please review attached documents. 
I have included the previous claim so you can read the situation at hand. 
Capitol one, in response, requested a letter from my institution ( XXXX ) stating that the payment should not have been returned. I communicated this with XXXX and they provided me with the letter I have included in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had several loans with XXXX that all went to collections at once. In the span of less than 2 weeks, I paid off every single one about a year later. 1 was done on a particular date ( Loan ID XXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other XXXX were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). 
I have disputed this so many times with Experian ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact XXXX, they say that THEY confirm the balances are all paid. 
When I contact the collection agency they used, XXXX, they say they see my payments as all being made but that the report has to cone from XXXX to Experian to confirm it. And then Experian again still says it remains. 
This has now been paid off for nearly 3 years but still shows as me owning a balance while all the other accounts show as paid.

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 2024-03-19 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: MS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue regarding the account with the following details : Account Name : EASTERN ACCOUNT SYSTEM I Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Creditor can not locate individual. {$580.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$580.00} ( as of XX/XX/XXXX ) Recent Payment : N/A Monthly Payment : N/A Original Balance : {$580.00} Highest Balance : N/A Terms : 1 Month As of the most recent update in XX/XX/XXXX, the account remains in a past-due status with a balance of {$580.00}. However, I would like to highlight some discrepancies and provide clarification regarding the situation : Creditor 's Inability to Locate Individual : The status update mentions that the creditor can not locate the individual. However, I am currently residing at the same address provided during the account opening, and there have been no changes in my contact information.

Lack of Communication or Notification : I have not received any communication or notification regarding the outstanding balance or attempts to collect the debt. There has been no correspondence, phone calls, or letters from your company regarding this matter. 

Absence of Recent Payment or Monthly Payment Information : The account details indicate that there have been no recent payments or monthly payments made towards the outstanding balance. However, I have not been informed about the payment options or provided with any means to settle the debt. 

Status Update : While the status was updated in XX/XX/XXXX, there has been no further information provided regarding the efforts made to locate the individual or resolve the outstanding balance. 

Given the discrepancies outlined above and the lack of communication regarding the debt, I kindly request that you review the status of the account and provide clarification on the steps taken to address this matter. Additionally, I would appreciate receiving information on how to proceed with resolving the outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX

Complaint narrative:
On XXXX I saw an ad by PRMG recruiting real estate agents to be paid as loan originators XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
According to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-03-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There has been unauthorized use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief