vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I checked my credit report with Equifax, XXXX, and XXXX, and they all had an old address as 'current ' ( was over 2 years old ) and all were missing my current employement. I submitted a dispute with each, and one of them did not offer an applicable reason as I tried to dispute my address. I guess income does not impact credit score, which seems weird ( I guess it's up to a loan office to look at income in relation to credit score ), but it still seems like those credit agencies should have more up to date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-09-25 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:
I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

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 2023-09-25 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: TX

Complaint narrative:
I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-09-25 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: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have two collections accounts that is not mine. I have contacted Transunion for this account to be removed off my credit report. No response and investigation was intital. These accounts are hurting my credit profile. 

XXXX XXXX {$360.00} XXXX XXXX {$580.00}

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 non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX has added a debt of {$4300.00}, to my credit report which is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was going over my credit report and the following addresses are all wrong and need to be removed off my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX the only address that should be on there is 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 2023-09-25 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: NY

Complaint narrative:
I'm a victim of identity theft. Because of that I have a collection account on my Experian credit report. I contacted Experian, provided all the information they asked me for, including a police report, and they are refusing to remove the collection account. I've also reached out to the original creditor as well as the collection company and neither will help 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 2023-09-25 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: FL

Complaint narrative:
Before the end of the repayment pause, I paid down my loan balance to {$8200.00}. I had not made any payments prior to the pause. I also enrolled in auto-debit in order to take advantage of the .25 percent decrease in interest. However, MOHELA has improperly set my monthly payment at $ XXXXwell above what it should be at {$91.00}. MOHELA has also set up an auto debit scheduled for XX/XX/XXXX for {$230.00}. I have sent them multiple communications asking them to lessen the amount and have received no response. 

Further, MOHELA has vastly miscalculated my monthly payment. MOHELA calculates my monthly payment for a term of 64 months, not 120 months. They have been unreachable in managing these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since the year of XXXX my identity have been stolen, my information has been in Equifax data breach. I am a verified identity theft victim. There are red flags on my credit, preventing me from furthering my credit getting approved for loans getting approved for grants I have been financially impacted, this is ruining my life. There is incorrect information and fraudulent information on my credit report. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3200.00}

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 non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A XXXX credit card was opened under my name/address, with a limit of {$800.00} dollars, without my knowledge. This happened around the beginning of XXXX, when I received a XXXX  letter in the mail, and saw an attached credit card. I havent called to cancel the card, seeing that it has to be activated in order to work. On XX/XX/XXXX, I received another letter from XXXX XXXX, implying that I applied for a credit card ( I definitely did not ), and it stated that they were unable to approve a XXXX XXXX XXXX XXXX, due to not being able to verify my social security number. Today, XX/XX/XXXX, I received a letter from XXXX XXXX, for of course another credit card opened without my consent. The limit on the card was {$250.00} dollars, and this card was ready to be used. I immediately called and canceled the card. Thankfully, no money has been taken from my accounts yet. Im extremely concerned, and want to stop whoever is applying to these credit cards without my consent.

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 2023-09-25 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: AR

Complaint narrative:
I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: AR

Complaint narrative:
I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been in my home for 17 years and my statement is saying my loan is due until XXXX. Shellpoint has increased my payment and my mortgage continues to increase. I attempted numerous times to contact someone, and information I received is not enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested documents from the bureaus and i have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Opened : XXXX XXXXXXXX XXXX  Open XXXX days late Identity theft of my personal emails, phone number, bank information.

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 2023-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I purchased three gift cards ( two for {$200.00} each, and one for {$100.00}, totaling {$510.00} dollars, including each card activation fee ) at XXXX in XXXX XXXX, CA. On XX/XX/2023, I mailed via USPS with tracking to XXXX XXXX XXXX XXXX XXXX these three cards to a business colleague 's USPS XXXX XXXX as a financial referral for business work. When the colleague attempted to use these cards in XX/XX/2023, all three were unopened, and unused. When he tried to spend them in XXXX California, all three balances showed {$0.00}. After looking up the card serial numbers and checking their balance, it was found that all three cards and all {$500.00} were spent in varieties of grocery stores in XXXX XXXX California and all transactions on XXXX. Work colleague and myself were never in these cities and the cardboard Visa gift card packaging protecting the security codes were never opened until XX/XX/2023. Criminals had scammed these cards in advance. I am out {$510.00} and no one is willing to help. Appreciate all support and I can provide initial card purchase receipt from XXXX, tracking number from USPS, and paperwork showing the cards spent illegally in some random place no one was present at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2023 : I opened a business checking account with US Bank. 
XX/XX/2023 : I updated the address from the local place of business in XXXX to my home address in XXXX I recieved a debit card in the mail. 
XX/XX/2023 : I was not able to log in to my US Bank account online or activate my debit card. I called and was informed that my account was frozen and directed to the Fraud department. I was told that I would be sent a letter in the mail to notify me that the account was being closed, and that it would take 7-10 business days to receive the letter. I was told that I would receivea cashier 's check in the mail, and verified my mailing address. 

XX/XX/2023 : I went in person to a US Bank branch location to inquire about the status of the closure and get my initial deposit of {$3000.00} back in full. I was told that they couldn't see any specific about the account and there was no time frame for the review process. Again I verified my address and was told to wait for a letter in the mail and a cashier 's check. 

XX/XX/2023 : I called the US Bank Fraud department to inquire about the status of my account. I was told it would take 45-90 days for them to complete a claim. Again, I verified my address and explained that I had not received anything in the mail to notify me of the pending closure of my account.end of XXXX I received a statement from US Bank that showed a {$6.00} analysis service charge. I don't know what that charge is for, and I can not even log in to access my funds, so haven't been about to use the business checking account at all.Obviously they have the correct mailing address because I got a statement in the mail. 

XX/XX/2023 : I call US Bank again to inquire about my account being closed and why I have not received any letter or check. I was told again that there is no timeframe for the claim. Again I verified my mailing address and was told to wait for a letter and a cashier 's check. However, they did not say that I would get my full initial deposit of {$3000.00} back.

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 monetary relief