vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following unauthorized collection accounts from my credit report : 1. UNAUTHORIZE COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} 2. UNAUTHORIZE COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all accounts and inquiries listed below that were fraudulently opened in my name. 
The following accounts are fraudulent and must be removed from my credit report : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$22000.00} In addition, I am disputing the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
From : XXXX XXXX XXXX Credit Reports Account : # XXXX Company : XXXX XXXX Date Opened : XX/XX/XXXX Individual Account Loan Type : Line of Credit Pay Status : Sold was charged off Date closed : XX/XX/XXXX I have contacted XXXX XXXX on several occasions and spoke with a representative. I informed them that I was unaware that this debt had been transferred to a collection agency. I informed them that I had never received from them a letter in the mail notifying me, that this debt would be transferred to a collection agency. I requested that XXXX to send me a certified copy of the validation notice or the assignment of debt letter. I informed them that I was supposed to receive this letter within 5 days telling me that the debt was transferred to an outside collection agency. They responded that they could not provide me with such letter. They informed me that I should contact the agency that they sold the debt to. I then contacted that company ( Velocity Investments LLC. I asked them as well to provide the assignment of debt letter or validation letter that they were supposed to send me via mail. They also informed that they can not provide any such document.

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 2024-11-11 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX : account name : 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 2024-11-11 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 recently received a copy of my Experian consumer report and noticed my FCRA rights were violated, there were over a dozen inquires in my credit file made by XXXX XXXX, i called Experian and was told they don't need to follow FCRA laws and hung up on me, the supervisor was very rude and nasty. XXXX XXXX gained access and did a credit pull of my consumer report several times without my written and verbal permission or consent. I did not give written permission or authorize for XXXX XXXX to gain access to my consumer FICO credit file to get my non public information. I demand that XXXX XXXX and Experian produce a legal binding Contract with the wet ink signature that gave them authorization to pull my consumer FICO credit report. I demand XXXX XXXX stop accessing my reports and Experian delete any inquires made by them. Delete inquires due to identity theft XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing a dispute regarding an incorrect late payment reported on my credit account. Kia Motors and I agreed to move the payment date to XX/XX/year>, and I made the payment as per our agreement. However, it was still reported as a late payment, which negatively affected my credit score.

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 2024-11-11 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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

Complaint narrative:
I am a victim of a recent data breach, resulting in fraudulent accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these unauthorized entries. 
Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$150.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-11 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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
I received a response for my initial complaint on XX/XX/XXXX from XXXX XXXX I am disappointed and to be quite frank, just flat out insulted. There was NO evidence or documentation sent with MY signature anywhere on it, proving validity of this account. She literally just sent a copy of a generic agreement that XXXX established in XXXX and typed up a summary of the attachment that I initially sent ; everything she stated was information that was just pulled from my copy of my credit report that I sent, very unprofessional. Please provide LEGAL paperwork showing where both parties have " signed '' and " agreed '' ( Myself & XXXX XX/XX/XXXXXXXX. ) for the opening of this alleged account or simply discontinue any collection activity ; including any reporting/collections from Spring Oaks Capital , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I was charged interest on an Apple Card when I bought an Apple device. The agreement was that I was not to be charged interest. 

This problem has been identified by CFPB.

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXXXXXX XXXXXX/XX/XXXX {$530.00} Late Payment : XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-11-11 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: NC

Complaint narrative:
I am a victim of a recent data breach, resulting in fraudulent accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these unauthorized entries. 
Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$150.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$530.00} Late Payment : XXXXXXXX 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Dear Porfolio Recovery Associates , LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Portfolio Recovery Associates , LLC. 
Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Please describe the issue you have repaying your loans or grants. 
My loan servicer, Mohela, is not processing my XXXX  plan application. I submitted a XXXX  request in XX/XX/year> which was never processed however they put me into the XXXX plan repayment which resulted in XXXX missed payments because I was waiting for my XXXX  application to go through. I called and was able to reach an agent to put me into forbearance although I am worried that these months will not count as qualifying payments for public service despite WANTING to pay an XXXX  rate. I resubmitted a new XXXX plan application on XX/XX/year> which has still not been processed as of XX/XX/year>. I received a letter saying I have again been placed in forbearance due to them not processing my XXXX  application, and any months in forbeareance would not count towards XXXX. 
I again called on XX/XX/XXXX and could not reach a customer service agent regarding this issue. I just get sent through a doom loop with no option to reach a real person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Credit Bureau, I am writing to bring to your attention an issue with my credit report. Upon reviewing it, I have noticed that there is an inaccurate address being reported by your agency. As a responsible consumer, I want to ensure that all the information on my credit report is accurate and up-to-date. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and fair information about individuals. Therefore, I kindly request for the incorrect address to be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your quick resolution of this issue. Thank you for your understanding and cooperation.

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 2024-11-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX, XXXX Regular XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$0.00} Late/Open XXXX  XXXX XXXX Date opened XX/XX/XXXX {$40.00} Late/Open XXXX XXXX XXXX Date opened XX/XX/XXXX {$33000.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX {$4.00} XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX {$330.00} Late/Open

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 2024-11-11 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: VW Credit
State: TX

Complaint narrative:
Your unauthorized derogatory marks have directly caused loan denials and increased interest rates across my accounts, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.

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

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received notice from Experian that there was a hard inquiry from XXXX XXXX XXXX XXXX. I did not have any contact with XXXX  and never have. I believe this is fraudulent and possible 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