vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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:
Transunion is reporting inaccurate information on my credit report. XXXX XXXX  is at fault as well I have a {$0.00} balance with XXXX but as of speaking with them numerous of times I was not told about a balance thats allegedly owed until today XX/XX/year> this account is closed and was sold to a collection agency XXXX XXXX which says I owe them {$350.00} which is a different amount allegedly owed to XXXX XXXX which was {$140.00}. This company is violation of my rights and transunion is reporting this inaccurate information on my credit report. 15 USC 1681 I never gave this company to furnish or obtain my information this is violating my rights. 15 USC 1681 ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
On XX/XX/year>, MOHELA sent me a letter saying that, as I was enrolled in the XXXX Program, that my loans would be placed in forbearance & no interest would accrue. On XX/XX/year>, MOHELA sent another letter saying that even tho I'm in forbearance, interest has and will continue to accrue. It's confusing and seems really unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
To : Consumer Reporting Agency Subject : Request for Removal of Inaccurate Information Based on XXXX Deletion Dear Consumer Reporting Department, I am writing to inform you that after disputing the following accounts with XXXX, the accounts were fully deleted from my XXXX credit report as of XX/XX/year>. The accounts involved in the dispute were : XXXX XXXX Delaware XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Since XXXX has deleted these accounts from their records, the information should no longer be considered valid or reportable on my credit file with your agency. Therefore, I respectfully request that you conduct your own investigation into these accounts and delete them from my credit report as well, in accordance with the findings by XXXX. 

In accordance with FCRA Section 1681i, if the information reported by you can not be verified, it must be removed from my credit file within XXXX  days of this notification. As XXXX has already determined that these accounts were unverifiable and have removed them, I trust that you will take appropriate action to ensure that my credit report is accurate and up to date. 

Please be advised that if these unverifiable accounts are not removed from my credit report within XXXX  days, I will have no choice but to consider further legal action to enforce my rights. Under FCRA Section 1681p, I have the right to seek damages for any violations, including the right to sue for failure to remove inaccurate or unverifiable information. 

I expect to receive written confirmation that the accounts in question have been removed from my credit file within the legally required XXXX period. Should the accounts not be deleted, I will pursue all legal remedies available to me, including filing a lawsuit. 

Thank you for your prompt attention to this matter. Please notify me of the status of your investigation and removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got a copy of my credit reports and notice some fradulent 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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi, Thursday, XX/XX/XXXX at approximately XXXX XXXX., Someone hacked my PayPal account and made XXXX money transfers from my personal bank account to PayPal and then transferred that money from PayPal to his account. 
That person STOLE {$550.00} from me. 
I'm very worried, I need my money back, XXXX  please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
These accounts were fraudulently opened or inaccurately reported and are not mine. However, I chose to settle them to clear my report and obtain credit. Additionally, there are several unauthorized inquiries on my report. 

XXXX XXXX XXXX  Services Account # XXXX ( XXXX Account ) XXXX. XXXX XXXX Account # XXXX ( XXXX XXXX ) XXXX XXXX XXXX  Services Account # XXXX XXXX. Inquiries from : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a document from the company NetSpend at my home mail address. Approximately sometime in XXXX - XXXX of this year. I had missed this mail item on my kitchen counter and opened it up this week ( XXXX week of XX/XX/XXXX ) and realized the following : The company NetSpend had sent me a physical card with my first and last name, a routing number, an account number, and a bank name, stating that this card was ready to be activated and could get up to XXXX  days faster with direct deposit. Today, XX/XX/XXXX I contacted their customer service at XXXX ( XXXX ) XXXX, after XXXX attempts I was able to bypass the automated services and get a hold of a live representative. They confirmed that someone else had activated this card, using my first and last name without my consent or knowledge. They could not provide me with any additional information on the account or the email or phone number they used. They told me the first and last initials in the email listed on this account that did not match any of my personal email accounts. They provided me with the FTC phone number and instructed me to file an identity theft complaint on this account. They stated they could not further assist, as I needed to file a report with FTC, and they would receive further instructions.

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 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XX/XX/year> this loan was bought by XXXX into a new account this loan is still on my credit report preventing me from getting any loans stating I owe when I have no ownership of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: OR

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate Chase Auto Loan information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately

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 2024-12-07 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: NY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Bought XXXX XXXX Vanilla gift cards from XXXX XXXX, IL XXXX XX/XX/year> XXXX {$200.00}, XXXX {$100.00}. The XXXX {$200.00} ones were declined at store, called XXXX # they said they will issue XXXX ones. 
We have yet gotten anything, I have called several times and getting the run around. 
Ive saw reviews, see this is happening to alot of folks! 
Im nervous to use the {$100.00} for my niece XXXX present! 
Ive filed a local police report but they cant do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XX/XX/year> FirstPoint Collection Reso XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX To whom it XXXX concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : -The amount of the alleged debt. 

-The name of the creditor to whom the debt is allegedly owed. 

-A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 

-A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 

-Proof of your authorization to collect on this debt. 
I - request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. 

Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
Request for Correction of Credit Report Under the CARES Act To Whom It XXXX Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX XXXX this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the XXXX XXXX, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my XXXX XXXX and do not reflect the protections provided to me under the XXXX XXXX. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!

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 2024-12-07 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:
Request for Correction of Credit Report Under the CARES Act To Whom It XXXX Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX XXXX this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the XXXX XXXX, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my credit score and do not reflect the protections provided to me under the XXXX XXXX. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NV

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.

XXXX XXXX XXXX. Account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, ACCT XXXXXXXX XXXX XXXXXXXX XXXX account beginning with XXXX posted on credit report agencies has violated my rights 15 U.S.C 1601 15 U.S.C 1681IB 15 I.S.C 1692C has all been violated 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My credit report reflects an outstanding balance on my credit report for an XXXX XXXX XXXX XXXX XXXXXXXX, collection agency name is National Credit Systems, in the amount of XXXX, back in XXXXXXXX XXXX XXXX This information is inaccurate and as a result of this incorrect reporting it has negatively impacted my ability to get approved for a new place to live and now my XXXX children and myself are homeless. 

I did attempt to go to this complex to resolve this issue myself but they no longer exist it is a totally different apartment and the XXXX advised they have no record of me living there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company is violating my rights protected by the FCRA.

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