vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
Dear Factor Trust XXXX XXXX XXXX XXXX, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

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 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 XXXXXXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed from my credit file. 
Accounts : 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 non-monetary relief
Consumer complaint received 2024-12-18 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:
Subject : Request for Blocking and Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed from my credit file. 
Accounts : 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : Accounts : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$950.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} Inquiries : 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 2024-12-18 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: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-18 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Wy, XXXX, XXXX, XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. 

Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, 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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I purchased an XXXX XXXX online on XXXX. I purchased this using my Goldman Sachs Apple Card on monthly installments. The item could not be delivered to me due to XXXX XXXX. XXXX canceled the order. However the Goldman Sachs Apple Card has charged me for monthly installment payments and taxes on the item for several months. 

I have made repeated calls to the Goldman Sachs Apple Card dispute team and to XXXX directly. They claim they put this into a disputed status but nothing has been resolved. I have made payments on these erroneous charges for XXXX months. I have spoken with supervisors at both Goldman Sachs and XXXX. No one has been cooperative or helpful in refunding this money that is owed to me. 

I can not believe that credit card companies like this are permitted to treat consumers in this way. It is unethical and unconscionable. I'd advise anyone considering an Goldman Sachs Apple Card to stay away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
Unauthorized inquiries have unexpectedly appeared on my credit report as of this morning, and I am clueless as to why. I routinely monitor my report, but this time I noticed irregularities that shouldnt be there. I even tried refreshing my browser in case it was a glitch, but the issue remains unresolved. I am beyond frustrated and insist on a detailed review of the documents Ive sent to resolve this matter swiftly and permanently.

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 2024-12-18 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: CA

Complaint narrative:
Subject : Request for Blocking and Deleting Inquiry Due to Data Breach I am writing to formally request the blocking and deletion of the following inquiry from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that this inquiry be removed from my credit file : Inquiry to be blocked and deleted : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year>

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 2024-12-18 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: NY

Complaint narrative:
Subject : Request for Blocking and Deletion of Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these inquiries removed from my credit file. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/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
Consumer complaint received 2024-12-18 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 a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX  XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX  XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}

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 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I applied for a payment plan with MOHELA as part of a loan consolidation application in XXXX. The consolidation was processed and completed in XXXX ; the XXXX application has not been processed yet. This is not my complaint, as I understand current litigation has paused processing of IDR applications. 

However, according to XXXX, " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. '' As someone approaching PSLF, this is very important to me. I have asked MOHELA to explain multiple times if I was ever in a processing forbearance ; their reps have given me no clarification despite XXXX email and XXXX phone conversations since XXXX. On my PSLF tracker on the XXXX website, my loans are showing " not eligible '' for XXXX from XXXX until now, even though I should have been on a processing forbearance at some point. MOHELA will not clarify what type of forbearance ( XXXX ) I was ever on, nor have they taken steps to remedy the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Someone applied for a Chase Credit Card in my name in XXXX of 2006. From my discussions with Chase this person was a work colleague/acquaintance of mine, XXXX XXXX XXXX who in now deceased. 
As a responsible adult, I have always paid my bills on time and maintained an excellent credit score, until I realized that I never had applied for a Chase Credit card and reached out to Chase Bank for a clarification. I explicitly told Chase Bank that I have never applied for a Chase credit card, not have I ever had one. 
Per my conversation with Chase Bank, the credit card application they are alleging was mine, was signed by XXXX XXXX, however when I requested a copy, they said they are not able to provide me with it. 
I dispute Chase Bank 's statements that I am liable for the balance, because even though I was tricked into making these payments, I never actually applied for this account, and never had a Chase credit card, which means that I couldn't possibly have made any charges to this account. 
As an elderly single adult who is struggling with health and medical issues, I am being harassed and bullied by Chase Bank and some its representatives throughout my attempts to get this account removed from my credit. I get several phone calls per week and this is stressing me out immensely. This issue is affecting the quality of my daily life and causing me further medical complications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XXXX XXXX I filed CFPB Complaint ID # XXXX and XXXX against XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had improperly XXXX XXXX hard inquiry on my XXXX credit report in XXXX with a credit line increase request. ( The date of the inquiry is also XXXX. XXXX. ) XXXX 's took honest and ethical action by immediately agreeing to delete the hard inquiry from my XXXX credit report. As of XXXX XXXX, this hard inquiry still remains on my XXXX credit file. This is the second time that XXXX and XXXX of my several XXXX credit cards have had issues " communicating '' concerning errors on my credit report, and each time XXXX blames XXXX on the creditor, when it's XXXX who has consistent issues removing inaccurate data when requested -- and this time is no different. I have attached a screen shot directly from my XXXX XXXX XXXX credit file -- obtained directly from their website -- that shows the XXXX XXXX XXXX XXXX hard inquiry is still reporting, and thus negatively impacting my XXXX XXXX. I believe XXXX has had sufficient time to remove this inquiry when asked to do so by XXXX XXXX. I have also attached the letter from XXXX 's that indicates they have requested the hard inquiry be removed from XXXX. I will not be caught in a back-and-forth game between the XXXX and XXXX, XXXX XXXX XXXX XXXX blame XXXX other for why the hard inquiry has not yet been deleted. I firmly believe, based on XXXX 's track record of failed investigations and improper management of consumer credit data, that it is them who bears the responsibility for this hard inquiry remaining on 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