vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
My information was affected but the XXXX XXXX. My information was exposed, you must removed within XXXX days. Under section XXXXXXXX XXXX this information must be removed within XXXX days. Don't try to use the XXXX days to fix my entire credit file. My entire file was exposed to the 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 2024-12-30 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: LA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove 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 non-monetary relief
Consumer complaint received 2024-12-28 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 a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that XXXX, Transunion, and XXXX remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to 15 U.S.C. 1681c2(a) and FCRA  605(b).
Fraudulent Accounts:
1. XXXX XXXX XXXX
Account Number: XXXX
Date Opened: XXXX  Balance: $XXXX
2. XXXX
Account Number: XXXX  Date Opened: XXXX
Balance: $XXXX
3. XXXX  Account Number: XXXX
Date Opened: XXXX
Balance: $XXXX
4. XXXX XXXX
Account Number: XXXX  Date Opened: XXXX
Balance: $XXXX
5. XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Date Opened: XXXX
Balance: $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 2024-12-30 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: SC

Complaint narrative:
On XX/XX/year> Transunion mailed me a letter stating that they received my documents but the documents were unacceptable due to the reasons uploaded in the attachments. I have provided two current forms of qualifying documents attached.

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 2024-12-28 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,

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 2024-12-28 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I keep having credit inquiries on my credit report. I am in bankruptcy and I have not authorized any one to pull my credit, and this continues to happen. Also possible was included in my bankruptcy yet they continue to report my account as late payments.

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 2024-12-28 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I keep having credit inquiries on my credit report. I am in bankruptcy and I have not authorized any one to pull my credit, and this continues to happen. Also possible was included in my bankruptcy yet they continue to report my account as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Ive paid for credit repair services for a whole year with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: NM

Complaint narrative:
I am filing this complaint because my School Misconduct Discharge application for private student loans with XXXXMOHELA was denied despite substantial evidence of misconduct by the school I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The schools actions led to severe financial and emotional harm, and I believe the denial of my application was unjust. 

Details of the Issue : 1. Misrepresentation by the School : XXXX XXXX XXXXXXXX provided false information about graduate employment rates, post-graduation salaries, and career services. They promised over 80 % of graduates would secure jobs in their fields within six months and exaggerated expected salaries. However, I struggled to find relevant work in XXXX XXXX after XXXX in XXXX and have worked in XXXX XXXX XXXX jobs to survive. 

2. Aggressive Recruitment Practices : The school used high-pressure tactics to rush my enrollment, including repeated phone calls and emails claiming I would lose financial aid opportunities if I did not enroll immediately. They did not give me time to seek advice or fully understand the financial implications of student loans. 

3. Omission of Critical Information : The school failed to disclose the full cost of attendance and the heavy reliance on loans, misleading me to believe financial aid would largely cover my expenses. Additionally, they omitted that the program was not widely respected by employers, which I only discovered after struggling to find work. 

4. Lack of Career Support : Despite promises of robust career services, the assistance provided by the school was minimal and ineffective. I received no meaningful guidance in securing a job in XXXX XXXX, and many of my classmates faced the same challenges. 

5. Personal and Financial Harm : The schools deception has left me with overwhelming debt, limited career prospects, and emotional stress. My current job in a XXXX XXXX does not utilize my degree, and my previous XXXX XXXX role was merely a XXXX XXXX unrelated to XXXX XXXX. The financial burden and lack of return on my educational investment have significantly impacted my quality of life. 

Desired Resolution : I request the CFPB to review my case and advocate for the discharge of my private student loans based on the proven misconduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I ask for an investigation into XXXX/MOHELAs process for evaluating School Misconduct Discharge applications to ensure fair treatment for all borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
STILL REPRTING ON MY CREDIT REPORT STILL NO INFO PROVIDED TO ME ATTEMPTS TO CONTACT UNSUCCESSFUL & UN-NEEDED CONSIDERING I DO NOT HAVE ANY AGREEMENT OR KNOWLEDGE WITH THIS debt servicor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Business prepaid Gift Card. The terms of service say that this card is accepted anywhere that American Express is accepted, both online and in store. This card worked initially a few times but is now not being accepted at any online store or in person when I've tried at multiple US based companies. I've tried to use the prepaid card at XXXX on XX/XX/XXXX, the XXXX online store XX/XX/XXXX, at XXXX multiple times with an XXXX XXXX rep on XX/XX/XXXX and most recently XXXX XXXX on XX/XX/XXXX, and all transactions were declined immediately. I worked with an XXXX rep for about an hour on XX/XX/XXXX trying to get the charge through but American Express declined the transaction each time. 

The card in question is : American Express Prepaid Business Gift Card XXXX XXXX XXXXXXXX The card balance is {$340.00} with an additional {$0.00} locked up in XXXX {$0.00} pending transactions that never got released for a total of {$340.00} balance on the card ( I believe the {$0.00} was held when trying to place the order with the XXXX XXXX ). XXXX says this amount is held by Amex and not them. 

I would just like to be able to use the funds on the card as stated by the terms of service or I would like the balance refunded to me. 

There is a total of {$340.00} left on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that XXXX and XXXX is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires

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 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX -I was never notified of the remaining balance for {$840.00}. I never received any letters or documents of the balance. ( Sunrise credit services has taken over the account now it is showing I owe this balance ). 

According to FCRA XXXX XXXX, it is illegal to report any info on my credit report without my permission.

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 2024-12-28 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: AZ

Complaint narrative:
i have recently returned to the united states 2 weeks ago and discovered that someone has been using my identity, i have been out of the country for the past 11 years and had no idea that this was happening. someone opened up lines of credit under my name without me knowing about it whats so ever until i seen my mail that i was reciciving collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
i have recently returned to the united states 2 weeks ago and discovered that someone has been using my identity, i have been out of the country for the past 11 years and had no idea that this was happening. someone opened up lines of credit under my name without me knowing about it whats so ever until i seen my mail that i was reciciving collection notices.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX ncb is reporting a time barred debt opened on XX/XX/year> this should not be on credit please delete and update my information to report accurate information which is my right under fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
According to 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies that Equifax had a security breach where over XXXX XXXX consumers personal information was stolen from Equifax which violates my right to privacy Therefore causing settlements to be paid which acknowledges their wrongdoing to keep my personal information safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XXXX I requested a validation request, but you only provided a verification Subject : Follow-Up Regarding Disputed Debt - US DEPT OF THE TREASURY Dear TransUnion, Thank you for responding to my formal dispute submitted through the CFPB Complaint Portal . While you have stated that the item " Trade : US DEPT OF THE TREASURY '' was verified as belonging to me, your response did not address my specific request for detailed validation of this debt as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

To clarify, I am requesting : Evidence Used for Verification : Please provide all documentation and evidence relied upon during the investigation, including communication with the furnisher of the information.

Validation Details : Specific information regarding the debt, including : The exact amount owed.

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

The date the debt was incurred.

Documentation demonstrating that I am legally responsible for this debt.

Proof of assignment or transfer, if applicable.

A copy of the original contract or agreement, if available.

Under the FCRA, you are required to ensure the accuracy and completeness of all information reported in my credit file. Simply stating that the debt was " verified '' is insufficient without providing the requested details to substantiate the claim.

Additionally, if you can not provide this information, I demand that this item be removed from my credit file immediately. I also request that this debt be marked as " disputed '' until resolution is reached, as per federal law.

If this matter is not resolved promptly and satisfactorily, I will consider filing a complaint with the CFPB, the FTC, and other relevant regulatory authorities. I reserve the right to pursue further action to protect my rights under the law.

Please confirm receipt of this correspondence and provide a timeline for your response. I look forward to your prompt attention to this matter.

Sincerely,

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