vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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:
I discovered significant inaccuracies and potential violations of my consumer rights on my credit report, which fail to adhere to the Fair Credit Reporting Act ( FCRA ) and industry standards such as the Metro 2 data field formatting guidelines. These inaccuracies include errors in personal information, accounts, and collections that have been improperly reported. 

I am particularly concerned about the dissemination of this false information, which jeopardizes the integrity of my credit profile. The reported inaccuracies include : Incorrect Personal Information : Employer : Incorrectly listed as XXXXXXXX XXXX 
Previous Addresses : Incorrectly listed as XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 
Date of Birth : Incorrectly listed as XXXX. 
Current Address : Incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
Name : Incorrectly listed as XXXX XXXX. 
Disputed Accounts : XXXX - XXXX. 
Disputed Collections : XXXX XXXX - XXXX. 
XXXX XXXX XXXX - XXXX. 
XXXX XXXX XXXX - XXXX. 
These inaccuracies highlight a failure to ensure compliance with FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies ( CRAs ) investigate and correct inaccurate information. Additionally, the lack of verified and substantiated documentation for the accounts and collections violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate and truthful information. 

I have requested that each claim be verified and substantiated with complete and truthful documentation. Failure to adhere to the FCRA or the 2020 Consumer Reporting Resource Guide ( CRRG ) compromises data integrity and may lead to financial harm. As such, I expect the immediate removal of any false accounts or collections and the correction of all personal information inaccuracies to prevent future consequences. 

This matter is critical, as my credit report significantly impacts my financial opportunities. I am committed to ensuring that my rights under the FCRA are fully upheld.

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 2024-12-19 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: VA

Complaint narrative:
MOHELA is refusing to process my income based repayment application ( IBR ) because I am currently on the SAVE plan. This is entirely inconsistent with the Department of Education 's ( ED ) guidance on the matter ( see https : //studentaid.gov/XXXX  ). ED specifically and explicitly states that borrowers stuck on the SAVE forbearance can apply for a new payment plan to continue to make payments and get credit for PSFL. Below is the language directly from ED 's website : " Enroll in a different PSLF-eligible repayment plan Borrowers can apply to enroll in a different PSLF-eligible repayment plan. We encourage borrowers to look at the specific terms of each plan to make the best choice for their individual situation. See above for more information. Different IDR plans may require higher monthly payments than the SAVE Plan does, andin the case of some IDR plansborrowers who later leave them may face interest capitalization ( where unpaid interest is added to the principal balance ). However, payments made under these IDR plans will count toward forgiveness under IDR and PSLF. '' Despite this, MOHELA refuses to process my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-19 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
National Debt Relief provided misleading information about the fees they would collect. Starting on XX/XX/year> we paid {$690.00} twice a month until we cancelled the program on XX/XX/year>. We made XXXX payments in the amount of {$6200.00}. There was a monthly service charge that totaled {$39.00} ( over the life of the program ) which we knew about, there was a total of {$81.00} paid in legal fees which we knew about. The National Debt Relief negotiated XXXX account on our behalf and had paid the creditor {$45.00} ( XXXX months @ {$15.00} ) but collected settlement fees of {$5300.00}. We would like to file our complaint to recoup the settlement fees they collected prior to fully settling our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I identified these unauthorized inquiries : -- -- -TransUnion XXXX -- - XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: GA

Complaint narrative:
I was looking at my XXXX credit report and noticed that there are several accounts listed that were not opened by me. Those accounts include : XXXX, XXXX and XXXX XXXX  I did not authorize these accounts to be opened. They are a result of idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
My information was stole doing a data breach of the credit bureaus. My information was used to open accounts which reflects late payments and delinquent and unpaid account accounts.

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 2024-12-19 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: SC

Complaint narrative:
My information was stole doing a data breach of the credit bureaus. My information was used to open accounts which reflects late payments and delinquent and unpaid account accounts.

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a balance of {$6300.00} that has only gone up with the tiniest of purchase but all the large purchases for special financing ( pay off before end of term 6 months ) has been paid in advance of Finance charges. The BALANCE still shows high interest rate and may lead me to bankruptcy as this does not reflect in the Balance pay down and consistently goes up from the time of having XXXX Synchrony Bank. This seems like a rip-off as the balance is reported on my Credit Utilization as very HIGH but never paid down although I pay on time and more.

I need of list of what does not qualify as special financing and why it is still listed when I have made double payments along the months.

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 2024-12-19 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: TX

Complaint narrative:
After the information breach I have received inquiries and other late payments on my credit report as a result. My bank accounts/2 have been compromised. Because of this the payments have not processed.

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have already made a complaint. On XX/XX/XXXX fraudsters called the XXXX number and got my password changed. I received an alert and immediately called Chase. While on the phone with Chase and no access to my account the fraudsters transferred my points. My ccs were all shut down and new numbers were given. I was told I would get the points back. I received a letter from Chase stating I wont get the points back referencing a point transfer in XXXX to XXXX XXXX. I DID NOT INITIATE THE TRANSFER OF POINTS OR RECIEVE ANY BENEFIT FROM THE POINTS! 

I let you know on XXXX the points transfer was not done by me. On XXXX apparently Chase let them go through. Ive attached the emails I received. Again, I did not do this. 

I have spent countless hours fixing a mess the your XXXX number created by giving fraudsters the ability to change my password on an unrecognized device- without my phone number- and invalidating my PIN! Im past angry that CHASE has treated me like this. I expect to be compensated for the time and stress associated with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
FCRA violations : inquiries not mine XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Record until XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX Potentially negative opened XX/XX/XXXX Balance {$620.00} Status Paid XXXX XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$640.00} Status Account charge off XXXX XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violation : not my name 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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-19 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2024-12-19 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-19 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am filing this dispute regarding my auto loan with Ally Bank because I have not received a XXXX099-C form related to the loan, which has been reported as a profit and loss write-off on my credit report for an amount of {$27000.00}. This missing form is causing confusion and potential tax issues for me, as I need to accurately report my financial situation. I have attempted to resolve this with Ally Bank but have not received a satisfactory response. I don't have the account number, and the write-off occurred on XXXX. XXXX, 2023. Thank you for your assistance in helping resolving this issue.

Company response to consumer: Closed with explanation