vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX : # XXXX : Balance : {$2000.00} ; Opened Date : XX/XX/XXXX XXXX : # XXXX : Balance : {$13000.00} : Opened Date : XXXX XXXX The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.

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 2024-11-30 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: GA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2024-11-30 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-11-30 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-11-30 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

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 2024-11-30 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:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute an error on my credit report, which I recently received from your bureau. 
The inaccurate information concerns XXXXXXXX XXXX XXXXXXXX XXXX. 
Upon reviewing my credit reports from the other two major bureaus- XXXX and XXXX found that this information is not reflected on those reports. The inconsistency between the reports from your bureau and the others leads me to believe that the information being reported on my file with your bureau is incorrect. 
I respectfully request that you conduct a thorough investigation of this matter and correct the error on my credit file. Under the Fair Credit Reporting Act, you are required to investigate and resolve disputes within 30 days of receipt of this letter. Please inform me of the outcome of your investigation and send me a corrected copy of my credit report if changes are made. 
I have provided a proof of the deleted items as well as my identification. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-30 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: CA

Complaint narrative:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). The debt in question is as follows : 1. Accou
nt Name :XXXX XXXX XXXX Amount Alleged Owed : XXXX XXXX XXXX  Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 
Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history. 

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ). 

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 credit report and noticed a fraudulent account listed under my name. This inaccuracy is negatively impacting my ability to secure credit. Please remove this account from my report promptly.

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 2024-11-30 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my ongoing issues with identity theft and data breaches that have resulted in unauthorized transactions on my bank account and credit cards. 

As a victim of identity theft, I have experienced fraudulent charges that have severely impacted my financial situation. In XX/XX/year>, I submitted fraud claims to Capital One for both my bank account and credit card accounts. However, to date, my accounts have not been credited for the fraudulent charges, which is beyond the legal time frame for resolving such issues as outlined in the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ). 

Capital One customer service representatives have informed me that I must wait up to 90 days for the completion of their investigation before any credits can be released. This extended delay is causing significant financial distress, as the inaccurate balances on my accounts continue to create additional problems for me, affecting my ability to access funds and manage my finances responsibly. 

According to Section 1693g of the EFTA, consumers are entitled to prompt investigation and resolution of unauthorized electronic fund transfers. Furthermore, the FCBA provides consumers with rights regarding the investigation of billing errors. The lack of timely action on my claims not only violates my rights as a consumer but also hinders my ability to resolve the detrimental effects of identity theft. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in ensuring that Capital One adheres to the requirements set forth by federal law. I appreciate your attention to my complaint and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
My loans were transferred from XXXX to Mohela in XXXX. Since that time, I've had nothing but issues. I was on a rate reduction program that expired in XXXX. I called in to reapply for the next 6 month term, and had everything set up. Unfortunately, the person I spoke to, scheduled the new payment of {$430.00} to start on XX/XX/XXXX, instead of correctly starting it on XX/XX/XXXX. I caught it in time, when Mohela emailed me what my upcoming payment amount was for, and had them cancel the payment of {$430.00}. This caused an issue with my rate reduction program, so I had to reapply for the rate reduction, and it raised my payment to {$440.00}, starting on XX/XX/XXXX. Even though I'd agreed to all the paperwork, and scheduled the payment, my account never showed the payment change to {$440.00} and it just says that a rate reduction application is pending, and I'm not sure the issue as they can't give me an answer. I received an email from Mohela about my upcoming payment on XX/XX/XXXX, and it was listed as being {$1200.00}. I did the math, and it appeared that they now had 3 payments scheduled to come out on that day ( {$410.00}, {$430.00}, and the correct {$440.00} ). I called to speak with an agent, who said that she saw an additional payment of {$430.00}, but not one for {$410.00}. I accepted her answer, but for clarity, chatted with another agent the next day, who said the same thing. I asked that if there was an issue, and I was charged an extra payment, would they be able to reverse that payment and refund me. I was told that they would be able to. Well, today, XX/XX/year>, my bank account was hit with 2 payments from Mohela. 1 for {$440.00} and another for {$410.00}. Not only that, my account lists that I am past due on a payment due to the fact that they've never finalized my application and adjusted my payment. I've reached out to Mohela to get this corrected, and will be filing a dispute with my bank on the errant transaction. I've done everything in my power to get this corrected, and keep my account current, as it was with XXXX  before it was transferred, but I'm not sure if I'm dealing with negligence or incompetence and would like help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 disputing a collection on my credit report. I can not determine if the collection rightly belongs to me or what the original date of the first delinquency is because the account has been sold to a third-party collection agency, which has reported its own open date. I have the right to know this account 's original DOFD date.

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 2024-11-30 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 the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I have been a victim of identity theft and these accounts and inquiries were opened or conducted without my knowledge or consent. 
As per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following accounts and inquiries : Fraudulent Accounts : XXXX. XXXX  XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$20000.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$190.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$190.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$69.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : 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 2024-11-30 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:
I recently reviewed my credit report and noticed a fraudulent account listed under my name. This inaccuracy is negatively impacting my ability to secure credit. Please remove this account from my report promptly.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows charge off which I never received 1099 debt cancelation forms for tax reporting. My report also shows financial reports from third parties.

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