vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief
Consumer complaint received 2025-01-06 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX  impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AL

Complaint narrative:
I applied for SAVE repayment in XXXX. I was not able to get into the program before the courts blocked it. Thus, Mohela has placed me in 2 month blocks of admin forbearance as they try to figure it out. I am not supposed to have interest accrue during this time. However, my Mohela account shows that I am. No one can tell me why or how this will be fixed. I also have just been notified I am late for a payment on XXXX XXXX though I called on roughly XX/XX/08 to be placed in another 2 month forbearance. I shouldn't have to call every two months to be in a forbearance. I also shouldn't have a late payment while in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I recently checked my credit report & noticed some inquiries that don't belong to me & I ask that they be removed from my credit report thank you.

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 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email for a month of XXXX promo for 50 % off of my payback amount. I responded to the email XX/XX/XXXX. XX/XX/XXXX {$310.00} was deducted out of my account instead of honoring the 50 % off of {$310.00}. I reached out to the company via phone and waited while the representative went back and forth talking to someone about my email offer for the month of XXXX. The representative told me that they can not honor their XXXX promo because it was for the {$310.00} only. It didnt make sense so I requested to speak with a supervisor. The representative told me that I should receive a call from the supervisor in 30 minutes. No one ever called. I had to take out another loan that day because the money that was deducted from my account was deposited by my school that morning. The loan repayment was due XX/XX/XXXX, I was told that I couldnt use the XXXX promo for 50 % off for that loan After I received the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I sent dispute letters to the creditor and credit bureau asking to show proof of this is my debt no proof i get. But I keep getting update as accurate account but no proof shown to me. Company I.C Systems

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
I use Robinhood for my IRA, buying and selling stocks. 

They have restricted my account for no reason and have not told me why. 

I have tried to reach out to them but my only option is to request a call. Ive been waiting several days for a call even though the app says it will happen within 30 minutes.

Ive tried to cancel and request a new call countless times.

I need access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I formally dispute the reporting of an XXXX XXXX business account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a business account that does not belong on my personal credit file.

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX XXXX XXXX prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA.

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Equifax : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed XXXX  Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX XXXX Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 formally dispute the reporting of an XXXX XXXX business account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a business account that does not belong on my personal credit file.

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX XXXX XXXX prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA. 

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed Experian Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX XXXX Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
XX/XX/year> {$2200.00} XX/XX/year> {$420.00} They Attempt to collect a debt due to my health issues right now and cant continue working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have sent Equifax several paperwork showing that my information was stolen through a data breach. I have sent them police report. Also my new address that I have not been living at the address on my license several years. also, I let them know that I had 31 hard inquiries that I did not do that. They need to remove old phone numbers they do not belong to me and addresses. They do not belong to me. They agree to delete it within 72 hours still yet to do so they keep asking me to send them in the same proof of identity, which is my drivers license and Social Security card and lease and also information showing that my information was stolen during the data breach which I have done several times I do not have an active fraud alert on my account with them which I should. I do not know my credit card with them because they would not tell me as well and I sent in the paperwork once again. I have sent it over 100 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding the account XXXX XXXX  ( XXXX ). According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 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: NC

Complaint narrative:
XXXX XXXX needs to expunge all reference to any collection against me immediately and permanently. I hereby submit my filed identity theft report submitted with the Federal Trade Commission. I was never given warning that a collection was poste4d on all three credit bureaus, and this needs to be deleted permanently. I am requesting a full reinvestigation from the credit bureaus for removal. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
I loading the epower app then star charging monthly fee for not reason I call try to stop them never stop now sending me emails to update my subscription I never did

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a 12 month CD on XXXX to expire on XXXX in the amount of {$240000.00} account no. ( XXXX ) from Marcus by Goldman Sachs. I asked if I was able to withdraw my interest at that time which was {$4700.00} without a penalty and they said yes, I gave them permission and they transferred that amount into my Chase checking account only {$4300.00}. When I inquired about the short fall nobody could give me a reason. Soon after that transfer was made the account was liquidated and a {$3000.00} penalty was charged from what I was told. I did not give them permission to liquidate the account. I have made several calls to Marcus and have spoken to 15 customer supervisors & nobody has been able to answer my question of who authorized the liquidation of the account or has been any help I would appreciate any help that you can provide to assist. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from TransUnion agency stating that a deletion had been removed from my credit file XXXX XXXX a week later on XX/XX/XXXX it was added back to my credit file this time with no account number or any personal information that was affiliate to me.

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 2025-01-06 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-06 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: IN

Complaint narrative:
i just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) you also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance 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

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 2025-01-06 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: GA

Complaint narrative:
The account is closed and was scheduled to be removed from the report a year ago

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 2025-01-06 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: PA

Complaint narrative:
I recently provided hard inquiries on.my report that I didn't authorize. There were XXXX on total, XXXX were removed. I contacted equifax again to see if they removed the XXXX inquiries. They have not & inform me I needed paperwork from your company There are the remaining inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information continues to appear on my credit report despite multiple attempts to have it corrected. I am filing this complaint against XXXX, XXXX, and Equifax because they have failed to address these inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 

The credit bureaus have violated the FCRA in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported on my credit file when it should have been removed based on the legally required timeframes.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have failed to properly reinvestigate the disputed items and did not provide adequate documentation to support the continued reporting of this information.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit reporting agencies did not follow reasonable procedures to ensure the maximum possible accuracy of the information on my credit report. 

I am requesting that the CFPB investigate these violations and ensure that XXXX, XXXX, and Equifax comply with the FCRA by removing the inaccurate information and addressing the procedural failures described above.

Company response to consumer: Closed with non-monetary relief