vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that the XXXX XXXX XXXX XXXX is hit and miss. XXXX says they have no credit score on me at all. These credit bureaus are getting me denied credit basic on me receiving only {$5000.00} dollars a month income when my monthly income is over {$16000.00} XXXX a month. There claiming I'm under water by {$10000.00} dollars monthly, when I have never missed a payment. 

XXXX. XXXX - XXXX XXXX 2. XXXX - XXXX XXXX. Equifax - XXXX Overall, I have NO LATE PAYMENTS, and they changed my correct income of {$17000.00} per month to {$5000.00} per month, why I have no idea. 

According to the CFPB false and misleading information sent out by the three major credit bureaus is against federal requirements and must be corrected immediately. 

( 1006.18 ) False, deceptive, or misleading representations or means. 

Overall, my credit has been evaluated for over 50 years, it's impossible for me to have such low scores and NO SCOREs at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has come to my attention that the XXXX XXXX XXXX XXXX is hit and miss. XXXX says they have no XXXX XXXX on me at all. These credit bureaus are getting me denied credit basic on me receiving only {$5000.00} dollars a month income when my monthly income is over {$16000.00} XXXX a month. There claiming I'm under water by {$10000.00} dollars monthly, when I have never missed a payment. 

XXXX. XXXX - XXXX XXXX XXXX. Experian - XXXX XXXX. XXXX - XXXX Overall, I have NO LATE PAYMENTS, and they changed my correct income of {$17000.00} per month to {$5000.00} per month, why I have no idea. 

According to the CFPB false and misleading information sent out by the three major credit bureaus is against federal requirements and must be corrected immediately.

( 1006.18 ) False, deceptive, or misleading representations or means. 

Overall, my credit has been evaluated for over 50 years, it's impossible for me to have such low scores and NO SCOREs at all.

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 2024-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have been dealing with Mohela the past few years and their service is very inefficient and has cost me many months of work that could count towards PSLF but their service is slow and inefficient and this is costing me time and money. 
The last time I contacted Mohela was in XX/XX/2024 and this was about removing me from forbearance and putting me in a repayment plan for PSLF. They said to contact studentaid.gov. Studentaid has nothing to do with how the loans are handled. 
I was placed on in school forbearance from XX/XX/2024. I was both working XX/XX/XXXXXXXX XXXX XXXX but willing to do payments that count towards forgiveness. I talked to Mohela and requested those months to be placed on a repayment plan but they did not do anything. I waited 90 days and nothing changed on my account. I have been trying to contact Mohela by phone but they make me wait for 30 minutes each time I call and are not able to resolve the issue. The personnel is not well trained and does not know specifics on why this happened or how to fix it, they refer me to other departments and " special assistance ''. Nobody has been able to solve this issue and I keep losing months that I am working full time that could count towards my PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In regards to my previous complaint with this company, I have disputed this account in the past because it was due to identity theft along with 4 other accounts from this company. Those accounts were closed and removed from my report as well as this one.In XX/XX/2024 this company decided to place this account back on my report. I had the item blocked again. I submitted a complaint here recently and received a response that this company was verified with particular information. That information was all the information that was submitted in the FTC report beforehand as fraud and identity theft. I have tried to call this company in regards to this decision or reinvestigation but they refuse to speak to me about it. This information that they are claiming to verify me by is fraudulent information due to identity theft. I have already submitted affidavits and ftc reports and a police report in regards to this but they keep trying to attach this information to me. I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2024-11-26 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
If I understand correctly, on XX/XX/XXXX an XXXX XXXX XXXX XXXX  was opened fraudulently in my name through Concora Credit, and charged XXXX on the same day. When I became aware of this I called Concora Credit to dispute the charges and they said they would open an investigation. I was told they were unable to rule in my favor due to the follow reasons : XXXX provided records that confirm delivery at my current or previous address and billing statements have been sent to my current address. 

Concora Credit provided documentation of the transaction and it clearly says that each item purchased was picked up at the XXXX XXXX XXXX - They were not delivered to my house at all, as Concora Credit incorrectly claims. I called XXXX XXXX and I CONFIRMEND this is the case. 

Additionally the email and phone number provided by the perpetrator, are not mine. The signature is also not mine. Also, it's stated on the invoice that an Arizona ID was used. I do not have an Arizona ID card, only an Arizona Drivers license. 

This person had my personal information, which was leaked in a data breach by a major healthcare company. They likely had my name, social security number, address, email address, and phone number. I don't understand how sending billing statements to my house AFTER the card was opened and nearly maxed out is being used as evidence against me. Makes zero sense and should not be used as evidence at all. 

I was told by the fraud department that if I disputed the charges they would find the same result and that if I could provide video evidence that someone else made the purchases they would exonerate me, but I called XXXX XXXX and they told me they don't have security cameras at all. 

Several other credit cards were also fraudulently opened or attempted to be opened on or around that same time. Some of these applications were immediately denied. The successfully opened cards were maxed out immediately, these other credit sources sided in my favor. I would like to use these other instances of fraudulent activity to help exonerate me of these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Despite three dispute attempts, these credit bureaus have retained inaccurate and unverifiable items on my credit report, causing significant harm to my financial standing. 

Key Issues : Failure to Conduct Reasonable Investigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The credit bureaus marked disputed items as verified without providing factual documentation. 
Retention of Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Disputed items remain on my report despite the lack of proper verification. 
Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : My requests for the name, address, and contact information of furnishers have been ignored. 
Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The bureaus have failed to ensure the maximum possible accuracy of my credit file.

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 2024-11-26 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: MI

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.

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 2024-11-26 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: MI

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I called to validate the collection as well as to see why they are contacting me about an amount that has been written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Professional Debt Mediator regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Professional Debt Mediator that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase linked to my email XXXX. I had to move out of the US and lost my 2 factor authentication through my phone. I have been trying to recover my account through identity verification, but the system keeps failing. I have been in contact with the company 's horrendously bad customer support to get access to my account. They have repeatedly sent me the same link and same nonsensical procedures that fail over and over again. At this point my patience has run out and I would like to lodge an official complaint with you about Coinbase 's dishonest customer support. Please help me to get access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I came across some hard inquiries on my credit report that did not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I recently was notified that a debt collection was placed on my credit report for {$870.00} for money I owed to XXXX XXXX XXXX. I have not had an XXXX XXXX XXXX mobile account in more than 10 years. When I closed my mobile account with them, paid whatever balance was due and closed the account. The current one I have is for our XXXX subscription is up do date and current. I have never been informed of any debt with our current account. A few months ago I was notified of a collection agency who attempted to collect a similar debt from me. I disputed it and it was resolved and removed from my report. This appears to be a similar occurrence. They have my address listed to an address in XXXX and I have never lived in XXXX. I contacted XXXX to report this debt as fraud and they advised that I file an FTC 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 2024-11-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX Account name : XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX Account name : XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: AZ

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 anxiety. 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 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 2024-11-26 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: AZ

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 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