vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX scammed me and stole {$1400.00} for student loan forgiveness. They contacted me via email and phone in XX/XX/XXXX and convinced me they were with my student loan servicer. They obtained my social and debit info and proceeded to steal {$1400.00} from XX/XX/XXXX through XX/XX/XXXX when I finally realized there should be no upfront payment for student loan forgiveness. I told them to cancel this payment plan and asked for my money back but they insisted they are legitimate and that an income driven repayment plan was now in place and my student loans in the form of {$37000.00} would now be forgiven. 

XXXX Wells Fargo several times, who claimed to investigate the incident, and said they could not retrieve the stolen funds. 

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have been the legal financial conservator for my daughter, XXXX XXXX, since XXXX, XXXX. Truist Bank ( at that time, BB & T ) has had documents on file since XXXX, XXXX when I opened the conservatorship accounts. 
On XX/XX/XXXX, my daughter went into the bank and withdrew {$7000.00} from her accounts. I went to the bank and filed Affidavits of Fraud for these illegal withdrawals. I innocently told the bank that my daughter used these funds to buy a car. The bank wants proof that I have returned the car before they will consider replacing the funds. 

Are you able to help? 
I am deaf so email is the best way to contact me 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 2024-03-14 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: LA

Complaint narrative:
Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I need to get my unemployment funds off this Nevada XXXX card into my overdrawn checking account from XXXX. I have spent all morning calling Zelle and XXXX in trying to get money into my account so that they don't tack on a {$29.00} overdraft fee with no success. If the states are going to these payment/debt cards they need to make it easier in having the funds directly linked to bank accounts etc. I am computer literate and this whole process has not been thought out properly by the states implementing these cards and the banking system. In the mean time I am racking up overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Multiple accounts on report with these dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was late on a payment during 2020 due to no work because of Covid-19 payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to Covid hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within 30 days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX XXXX and Fair Collections and Outsourcing are weaponizing my credit report against me. I am not disputing the debt, I am disputing the fact that at no point did either of them report all of the positive payments made. The account is past the statute of limitations in NJ. This was placed on my credit for one reason, to force payment of a debt. This is reckless, unfair and an abusive use of the credit report. If they are going to report, then they should have to report from the very beginning. By only reporting the bad, it is false and misleading to current and future creditors of mine. The FCRA was not designed for this. 

I am open to negotiate with them, as soon as they remove this from my credit, as at no time did I know that the primary customer was not paying and following the lease. I was not contacted until it was placed on my credit, again, reckless and abusive. Simply remove this from my credit report, or report it as current, and I will pay it off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Leap Credit, LLC
State: MS

Complaint narrative:
I have informed this company multiple times that this debt was discharged in bankruptcy. I have provided the bankruptcy information and my attorney 's name and contact information. I have requested they stop contacting me. The continue to call, text, and email. The bankruptcy was discarged over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
{$700.00} I have requested : -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear CFPB, I am writing to dispute the accuracy of information being reported by XXXX XXXX  regarding an account that was sold to XXXX XXXX. The account with XXXX XXXX was opened in XX/XX/XXXX, with an initial balance of XXXX. Despite my efforts to resolve any outstanding issues directly with XXXX XXXX the account was eventually sold to XXXX XXXX on. 

Following the sale of the account to XXXX XXXX, I made a payment to XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX  continues to report inaccurate information regarding this account. Specifically, they are reporting inaccurate summary of payments, dates, and balance owed. Despite multiple attempts to rectify this situation with XXXX XXXX the inaccurate reporting persists. 

I kindly request that XXXX XXXX correct the inaccurate information being reported to reflect the account 's sale to XXXX XXXX and the payment made. Furthermore, I request that XXXX XXXX  cease reporting this account, as it is now under the ownership of XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any further information is required to assist with the resolution of this dispute. 

Sincerely, 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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The account ending in XXXX, account status : COLLECTION, owner : Individual, account type : XXXX, Creditor classification : XXXX, loan type : DEBT BUYERS ACCOUNT, creditor original name : XXXXXXXX XXXX XXXX  XXXX, opened : XX/XX/2022, balance : {$4700.00}. 
Collection account : MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX I have NEVER opened an account. This is Identity Theft. Never have I given consent/authorization to open this account on my name. Have never even been to XXXX. Clearly someone is using my identity to open numerous accounts. 

I require written communication this has been thoroughly investigated/this account has been CLOSED and completely DELETED off of my credit report and want to pursue legal action against this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've disputed accuracy and validation of account. Ask to provide verification method with contact name and info. Only to have and update to an old account that's 7 years plus and descriptors and my score plummet 30 more points. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from 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 2024-03-14 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The inquiries were not initiated by me and I firmly believe they are fraudulent. I implore you to conduct a detailed investigation and promptly erase them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have been employed by the federal government since XX/XX/2015 to present. My loans have been in good standing since, and I have followed the practice of certifying my employment so that my payment accounts could be properly recorded using the PSLF tracker. I should have XXXX payments certified/tracked however MOEHLA is reporting only XXXX. 

They keep stating that my employment has not been certified on their account despite sending me messages state my employer certification was processed. It's very difficult to reach a live representative. When I finally was able to speak to someone, he was a trainee and could not understand the problem or how to fix it. After staying on hold for nearly forty-minutes they transferred me to a number that was not a live person.

The information provided by MOEHLA is very inconsistent, confusing, and they refuse to update my PSLF tracker. As such, I will continue to pay on loans way past my eligibility for discharge date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation