vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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 submitting this complaint to address an issue regarding late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I received a credit card from CashApp in the mail. I did not apply for a CashApp credit card and don't believe I have a CashApp account. The card had my correct name on it and indicated that the issuing bank is XXXX XXXX. Note that this account was opened despite my having a security freeze on my XXXX, XXXX, and XXXX accounts. 
I instructed CashApp to close the account and they reported that they would do so once I confirmed my name and provided photos of the card I received, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I did not open 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 2024-05-06 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: CA

Complaint narrative:
I did not open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank did not credit all the transactions that were unauthorized. My aunt is not going to be able to pay off {$2300.00} on her balance because those transactions were not made by her or me and also she dont use my card anymore because she does not have money and only spent {$250.00} using that card. Also, they did not credit back the transaction from last year that I and my aunt have been complaining about. It was for XXXX XXXX with the amount of {$420.00} and {$190.00}. My aunt called them already to verify those transactions and they told and sent us the statement showing that my aunt paid those in cash.

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 monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Ref : XXXX XXXX XXXX XXXX XXXXXXXX florida XXXX My complaint is with pennymac. 
A couple months back, Due to my health and job I apply for mortgage assistance. Which allows me at 1st To pay less than what I owe per month and then To defer my payment.down the road. During a recent credit check, on mine and co borrow on the mortgage notice late payments being reported. When speaking to customer service they never mentioned that was being reported. Because that was one of the questions that we did ask. They said penny mac was here to help me with the mortgage for now. Tell me about the program that we could apply for. Send in all the necessary paperwork. Yes the process took time because they kept asking for more additional paperwork. When everything was given from before. They did at the beginning.Make it more difficult For us to get on the program. Even when it was reported a while back loss of income. They did not make it easy for us to apply for this program. Now those late payments are hurting us. Even though we was told we was on the program and was not gon na be reported. Even we was told by customer service while we was working with them.Nothing was going to be reported. They destroyed my credit report and the co borrower 's credit report at the same time. Customer service misinformed us with uncorrect information. Even while on the program I still got calls to pay. Seems they misinformed customers about the program they offer, how it works and what to expect. I just want them to work with us. Knowing I had a loss of income. Provide the correct information. 

They tell us we are on the program and it appear we are not. It's very confusing. Because they got all or paperwork, each rep said we are on the program. That we was approve. Yet they are reporting us late. 

Then we find out today we was never on the program. When we was told we were before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I tried to obtained a copy of my credit file through the Transunion website at transunion.comXXXX. I answer all of the verification questions correctly and I was told that I cant gain access to my reports online because I didn't pass the verification. I answered everything correctly. This is now frustrating.

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 2024-05-06 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I'm the victim of identity theft I've been disputing things for over almost a year now and I'm getting real aggravated with it Victoria 's secret is a fraudulent account that got that my credit was used to obtain it I've asked for validation of debt I've asked for an itemized document of purchases made also they have sold the debt XXXX  XXXX  had sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that I am no I am not obligated I have no further obligation regarding this account and they will close the account and she's collections I have numerous times tried to get XXXX  to get off of my credit report because it is fraudulent and they refuse when I call them they refuse to do anything and they end up acting like they're transferring me and they disconnect my call they can not pull up this account because they said that they sold the debt so it's no longer in their hands they were also double reporting for multiple years XXXX XXXX  Victoria 's secrets and XXXX XXXX XXXX were both reporting negative reports on my credit report over the same account now how is the person to live in this world especially if they're a single mom and they have companies like this that don't follow the laws or investigate correctly I'm very very upset about this and I'm not going to dispute this one more time I have contacted the consumer advocate consumer advocate and they are working with my accounts but it's so frustrating that I try to dispute things with the company itself and they tell me they can't even pull me up because they sold the debt and and this XXXX isn't even mine so then I go to the credit bureaus and I resend my Federal trade commission report my identity theft report through please the report with the account numbers in it and they won't do anything so then I contact the cfpb for help and you guys don't do anything so what's a consumer to do with all this fraudulent XXXX on their credit reports that is going by the book and disputing accounts and filing identity theft reports and police reports and verify my identity and disputing every single month for a year and still nothing 's happening when this should not be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/year> to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. Transunion, XXXX, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.

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 2024-05-06 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:
The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, Equifax, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for 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 2024-05-06 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Loans were purchased from XXXX. Thousands of students were scammed by XXXX into taking out predatory private loans to attend fXXXX XXXX XXXX  schools such as the one I attended, The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) XXXX and my credit repaired. I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these XXXX XXXX  schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX XXXX XXXX XXXX schools. After the XXXX settlement, didn't XXXX also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " XXXX XXXX '' XXXX is liable for giving predatory loans in connection with XXXX XXXX  schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend XXXX XXXX XXXX colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to XXXX 's CEO ( Attached ) asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, Auto Loan Account # XXXX. This account is paid off and the lien has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on 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 2024-05-06 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I have been trying several years to close my CD from XXXX  with XXXX XXXX Morgan Stanley I have mailed the documents they have requested several times. 


I would like to the deposit amount mailed to my residence in XXXX XXXX as requested previously. 

My current state ID with current address is attached. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: VA

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 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: VA

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 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: TX

Complaint narrative:
The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, XXXX, and Experian are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over XXXX days since you were informed.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief