vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX sued me for credit card debt, but they bought the debt, and when filing the lawsuit, they presented it incomplete, without important documents, such as the XXXX, the authorization from the defendant where it is explained that she accepts the debt, my debt was with CITI BANK XXXX not XXXX XXXX XXXX, they did not add the breakdown of the credit card expenses, they only added the total amount of the debt, they are accusing me of unlawful enrichment, but they are not proving how I became rich, because they did not send the documents to support the lawsuit, they did not send me a letter 5 or 6 days before informing me that they had bought the debt, and I have a hard inquiries on my credit report because of them, they know that debt was a charge off and was closed by Citi Bank and XXXX reported the debt as a loss to the IRS. and they did not send me the document of the debt losses, and they are claiming in the lawsuit that they suffered losses when that part is not true.

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 2024-12-02 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, resulting in identity theft. Several unauthorized accounts and inquiries have appeared on my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and permanently removed from my credit file. 
XXXX Accounts : XXXX XXXXXXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$3400.00} XXXX XXXX XXXX - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$260.00} Fraudulent Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Hello. I have applied for the XXXX plan at least 4 times under Mohela and they continue to place me in standard repayment. I should absolutely qualify for XXXX, since I was already in it until XXXX of this year when a Mohela rep convinced me to consolidate my loans ( which I now hugely regret doing ). I sent in my XXXX plan recertification information at the same time as I applied to consolidate. For unexplained reasons I was removed from XXXX ( or any XXXX type program at all ) when my loan was consolidated months later. I reapplied for XXXX and I never heard from Mohela and I ended up calling them and they told me to apply again, which I have now done at least 4 times. This month, yet again, they have put me on the standard plan which will cost me nearly twice as much over the life of the loan as the XXXX plan. There is no reason for them to deny me since I was on XXXX with the same income previously, and my student loan amounts are higher than my annual income. Please help! Mohela continues to take more of my money than they rightfully should!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX AUTO XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: MS

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
INVESTIGATE ALL ILLEGAL IDENTITY THEFT AND FRAUD IN FIRST HORIZON BANK IN XXXX SC IN ILLEGAL UNDERGROUND ERGONOMIC ACTIVITY WITH BANK TELLER XXXX XXXX AND XXXX  XXXX XXXX XXXX XXXXXXXX OF XXXX IN COVERT OPERATIONS IN FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX IN THE CLAIMANT XXXX XXXX XXXX INVESTIGATE WITH IMPUNITY! 
XXXX XXXX IS CURRENTLY INVESTIGATING A XXXX  ACCOUNT ENDING # XXXX WITH XXXX  UNAUTHORIZED ACCESS IN CLAIMANT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
this company is violating my rights under they have not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently also violating my rights by using false and misleading information ' i have made previous attempts to fix these directly wit them and they are violating my rights XXXX entitled to {$1000.00} for every violation i listed they either pay me or delete this accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 non-monetary relief
Consumer complaint received 2024-12-02 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information XXXX have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-02 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:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( 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 2024-12-02 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:
XXXX  account is reporting inaccurate information which is contrary to FCRA requirements.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  account is reporting inaccurate information which is contrary to FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$490.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. UNAUTHORIZED XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$830.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
this company is violating my rights under they have not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently also violating my rights by using false and misleading information ' i have made previous attempts to fix these directly wit them and they are violating my rights XXXX entitled to {$1000.00} for every violation i listed they either pay me or delete this accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$490.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$830.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$490.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$830.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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