vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, 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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested some enough from the company and they refused to fix the error. The only results I am getting back is update and verification but no proof of verification is being sent to me. I am getting frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AZ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One Credit Card found my Social Security number in the Dark Web and requested me to take Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-10-01 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: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX  Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

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 2024-10-01 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRAXXXX XXXX PD and CFPB unless you can provide valid verification and original signatures. 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 Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

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 2024-10-01 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: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I have been looking at my credit report in order to be able to purchase a home and noticed a company I have never done business with reporting a collection.. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am entitled to request and receive verifiable proof of any debt you are attempting to collect, including a detailed accounting of the debt, the original creditors name, and a copy of the original contract or agreement. 

Please provide the following within XXXX days of receiving this letter : -Verification of the Debt : Proof that this debt belongs to me, including the name of the original creditor and any documentation, such as the original contract or agreement, showing my obligation to pay. 
-Itemization of the Debt : A complete breakdown of all fees, interest, and charges that make up the total debt you are attempting to collect. 
-Proof of Your Authority to Collect : Documentation that shows Receivable Management Services has the legal right to collect on this debt.

As per FDCPA Section 809 ( b ), you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you provide this validation. If you fail to provide this documentation within XXXX days, I expect that you will : - Cease all further collection activities. 
- Remove any negative entries from my credit report related to this debt. 

Additionally, the FDCPA imposes strict regulations on your conduct as a debt collector. In particular : -Failure to Validate : If you do not validate the debt within XXXX days, continuing any collection activity will be a violation of the FDCPA, which subjects you to penalties. You could be liable for damages, attorneys fees, and statutory penalties up to {$1000.00} for each violation under FDCPA Section 813 ( 15 U.S. Code 1692k ). 

Accurate Reporting : If the debt is not verified and continues to be reported negatively on my credit report, this could also be considered a violation of the Fair Credit Reporting Act ( FCRA ), which carries additional penalties. 

Please note that any further communication regarding this matter must be in writing. If validation is not provided, I will report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all legal remedies available to protect my rights. 

I think XXXX days should be enough time otherwise I will move forward with arbitration against this 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 2024-10-01 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: TN

Complaint narrative:
I am on administrative forbearance because I am enrolled in SAVE. My servicer is Mohela. They were delayed in updating my forbearance, but finally did on XX/XX/2024, which is the same date as my payment due date. Additionally, I also confirmed that I was not enrolled in autopay via the portal. It showed ( and still shows ) that none of my loans are enrolled in autopay. I was previously enrolled in autopay prior to Mohela moving its website a few months ago, but did not re-enroll with the new website. 

So, despite not being enrolled in autopay and being in administrative forbearance because of the litigation involving the SAVE plan, Mohela took a payment from my checking account on XX/XX/2024. 

Mohela gave me very few options to handle this issue, and has inadequately responded to previous messages regarding my administrative forbearance. In fact, when I finally called in a few weeks regarding the administrative forbearance, they have an auto message telling borrower on SAVE to ignore in payment letters they received and I followed that guidance.

Additionally, because the portal showed that I am not enrolled in autopay, there is nothing I could have done to prevent this as Mohela took actions based on information that was not available to me in the portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 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:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

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

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 2024-10-01 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I have already disputed the initial letter that I received from this debt collector and already sent my obtained sources of legit source of documentations such as my FTC Identity Theft Report, Police Report with additional FBI Victim letter in the mail to their office. The XXXX loan bank knew this from the very beginning since I reported to them right away about this coercion loan induced by the fraudster for me to do under my name. ALL the loan funds were ended up to the fraudster 's wallet. XXXX police officers went to my place when I reported this incident and I submitted copies of all the evidences that I have since all the instructions from the fraudster were all in text messaging. Then, the FBI agent went to my local police station where I reported my unfortunate situation that I had been to in order for him to collect all the evidences in -- person that I I submitted to the XXXX police officers. Please STOP sending me repetitive letters to collect debt over and over, just to harass me. I have a lot of pain and sufferings already since last year that I had been scammed big-time due to both heavy fraud and identity theft. Please show me with some dignity and respect, at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-01 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: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I initiated a money transfer to XXXX around XXXX pm of XX/XX/XXXX, I also paid the {$3.00} fee for the fast service ( " XXXX XXXX '' ), but till now XX/XX/XXXX my money is still not delivered. The attached screen shot is from the confirmation email I received from them confirming it would be delivered on XX/XX/XXXX. 

I contacted them many days, their customer service representative in XXXX put on loud back ground noise, they also put me on hold and all kind of ways you can imagine to delay my inquiry. 

I called their XXXX office, also they were lying saying will be delivered in XXXX business days... 

I don't know what's going on with them lately, I've been using their service and normally its delivered in the same day, but now it's over XXXX week and my money was long deducted from my bank... 

Btw in the mean time I used other application and it arrived in a minute, so this confirms my bank and the recipient bank does not bear the blame.

Company response to consumer: Closed with explanation