vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
I am writing to formally request the immediate blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries were made without my authorization, in violation of my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Multiple Entries ( Detailed Below ) {$0.00} XXXX XXXXXXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XXXX XXXX, XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$9700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$350.00} Fraudulent Inquiries XXXX XXXX XXXX Multiple Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Multiple XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX 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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nationwide Capital Services, LLC
State: NY

Complaint narrative:
I get several calls a week just threatening different lega actions, but never information about the debt itself. I told them that first of all tell me who I supposed owe and they never do. I also told them that if I did owe anyone they have been notified of my XXXX XXXX  and therefore they must stop calling me immediately. Yet, they continue several times a day. I can't afford an attorney to got after them for damages of violating Federal bankruptcy stay orders. They call from different numbers everytime. Here are a few of them. 

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
There are numerous credit inquiries on XX/XX/year> that are not mine nor did I initiate credit inquiries. I have not recently applied for any vehicle or consumer loans. These credit inquires are coming from various states. Coupon booklet showed up to my home address from XXXX  XXXX XXXX and I have contacted them to dispute. Upon reviewing my credit reports with all XXXX agencies, it doesn't appear to have loan balances. I have placed a credit freeze with all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: WI

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

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 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I am a recipient of a NIH Loan Repayment Program grant, which pays $ XXXX of my medical school student loans debt every 3 months to Mohela XXXX XX/XX/XXXX through XX/XX/XXXX. I am on a Pay As You Earn repayment plan, which currently has my monthly payments set ~ {$200.00}. Prior to Mohela switching servicing platforms this past summer in XXXX, my loans would all state " Paid Ahead '' with the next due date listed as many years in advance. Now, despite the fact that a {$10000.00} payment was made by the NIH to Mohela at the end of XX/XX/XXXX, Mohela states that I owe another ~ {$200.00} payment on XX/XX/XXXX. I have sent a message and have tried to call many times. Most recently, yesterday, I was on hold for XXXX minutes prior to being cut off when the initial agent tried to transfer me to a supervisor. Then, I called back and was on hold for another XXXX minutes back before the " transfer '', after which I was on hold for an additional XXXX minutes prior to the call being disconnected, presumably because the Mohela office had closed for the day. I have submitted a complaint through FSA. This is infuriating. There is an error on their part, and because I can not get in contact with anyone, I will need to pay what is supposedly " due '' in XXXX or have a hit to my credit score. I should note, I have many colleagues with the same NIH LRP grant, so I do know for a fact that Mohela has made an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ordered an item from Macys which was not received. Item was valued over {$500.00} dollars and was left outside by XXXX with out signature. My home is close to the street with school close and assessible to anyone walking or driving by. Dealing with a death in my family I wasnt aware of the missed item until weeks after and outreach Macys who offered to send a replacement or refund if replacement was not in stock. After months of call and the charge still appearing on my cad I was informed to get a police report and send to Macys. I did get the report and was informed that the funds would be removed. I was not getting statements to my home as Macys was sending my statements to my sisters home XXXX XXXX XXXX XXXX XXXX  XXXX. Unaware of the bill and that the funds were not returned I believed my Macys account had a XXXX  balance until I applied for a card in 2024 and saw the negative account from Macys. I outreached and Macys stated they would not offer a refund because it was too long gone. The account was closed at my request and a lawyer outreached Macys with supporting documentation with no avail. My account has been charged off by Macys but when I try to resolve they inform me that I owe over {$800.00} as there have been late fees added.

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 2024-11-15 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: AL

Complaint narrative:
In XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ XXXX, Equifax, or XXXX ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report. 

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ Experian, XXXX, or XXXX ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report. 

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-11-15 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and XXXX XXXX is removed from my XXXX and XXXX credit report but still reporting to Equifax. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and Credit Collections is removed from my XXXX and XXXX credit report but still reporting to XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Credit Control, LLC
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and XXXX XXXX is removed from my XXXX and XXXX credit report but still reporting to XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such 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 2024-11-15 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: MO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with Trans Union, XXXX, and XXXX have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX amount : {$10000.00}, XXXX XXXX amount : {$18000.00}, XXXX XXXX amount : {$17000.00}, and XXXX amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.

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 2024-11-15 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: CT

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these 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 2024-11-15 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: CT

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these 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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm Inc receiving emails everyday about {$890.00} and {$290.00} after i have notified each credit bureau they have been open fraudently. I've XXXX affirm accounts on my experian need to be disputed. 

15 USC 1692 ( c ) if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation