vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Reporting company used your report improperly
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I was sent information saying that my credit information was linked. A " breach of credit information link '' on your account usually indicates that a data breach has occurred where your credit card details or other sensitive financial information may have been compromised. After carefully monitoring my credit I have a lot of suspicious activity. Accounts that dont belong to me and I want deleted

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
I requested the 1099C because I didnt receive it the agent began to let me know that this is attempted to collect a debit. I said that Im calling about the 1099C and they refused to answer how I was able to get the information they repeatedly telling me its an attempt to collect a debit I said how are you collecting on the debit when the company charges it off. they charged off the account and written it off they began to tell me that because the debit was charged off that doesnt mean I dont owed the debit and I just hung up the phone.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
By law if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was made by XXXX, but not Equifax. In the response to my complaint XXXX, Equifax indicated that " as soon as that agency processes your fraud alert, it will notify the other XXXX, which then also must place fraud alerts in your file. '' However, Equifax has not placed an extended alert in my file

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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Experian, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts. 

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within XXXX XXXX Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity. 

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts

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

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Owed money to capital one credit card ( {$15000.00} ) and quest full amount XXXX and no 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX. If they fail to do so, these items must be removed from my report. As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused XXXX XXXX Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 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: CO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score 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.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

List of Unauthorized Inquiries : 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 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 XXXXXXXX XXXX 

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
I have a brokerage account through a company called XXXX and am a subscribing gold member. They offered a credit card with 3 % cashback and I applied for the credit card almost XXXX XXXX  ago and Im still on the waitlist. Theres no explanation for why its taking so long and from what Ive read XXXX XXXX people have access to this credit card now I have a credit score of XXXX and it makes XXXX sense why I have not been offered the card. Its discrimination and possibly an unscrupulous practice that this company is engaging in. I would like to understand how youre going to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
collection service center inc surcharging {$7.00} fee to offset fees that they are being charged ... .according to the Fair Debt Collections Practices Act that appears to be prohibited ... .I discussed the fee with the company although they insisted on charging the {$7.00} fee per card transaction.

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-18 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX  at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My brother XXXX XXXX deposited a cashier Into my account XXXX for XXXX 
He was told it might be a hold for XXXX XXXX XXXX. When called on XX/XX/XXXX I was told it would be available the next day and that there wasnt a hold. Today XX/XX/XXXX I spoke with a female supervisor who told me the check could not be verified and they had no way to contact the bank to verify the check. I said they usually call and she said no they dont do that. I called the bank that issued the cashier check and they said all they have to do is call and it will be verified.They are being XXXX XXXX XXXX XXXX and I will go to social media to see if anyone else has had this happen to so that a class action lawsuit can be file. I spoke with XXXX who is supposedly a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IN

Complaint narrative:
On XX/XX/year> I submitted a PDF application to Mohela to change my payment plan from XXXX to XXXX. The application disappeared from the portal after a day or XXXX and I never got any correspondence. I understand they were not processing IDR requests at that time, but I had hoped it would be processed once things opened up again. 

On XX/XX/year> I submitted an online application to change my payment plan from XXXX to XXXX through the XXXX website. This was after XXXX announced that IDR applications were open again and encouraged people to do so. 

On XX/XX/year>, XXXX 's website updated that my application had been forwarded to Mohela for processing. 

I have not heard from Mohela. My application for XXXX has not been processed. It has been more than XXXX XXXX and we are nearing on XXXX XXXX  since my second application was submitted online. 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 XXXX XXXX Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. If the borrowers application is not processed by their servicer within XXXX XXXX the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' I have NOT been placed into this qualifying forbearance, but I should have been. 

On XX/XX/year>, I submitted a case/complaint through the XXXX website, outlining the above. I also submitted a contact/query through Mohela for the same reason. 

On XX/XX/year>, I got a reply from Mohela asking that I call. I attempted to call twice. Both times the automated system told me that the wait time was well over XXXX XXXX, and I've been unable to wait on the phone due to having a job. 

On XX/XX/year>, XXXX replied to my case via email, stating that they were closing my case and no action was being taken. They summarized the court-ordered stay on XXXX XXXX and that I was in a forbearance, both facts which I obviously already knew. It included outdated information, such as IDR applications not being available online ( which changed in late XXXX, when I submitted my digital/online application ). They stated that my options included doing Buyback or switching to another repayment plan ( which is incredibly unhelpful advise, considering that's what I attempted to do and was complaining about ).

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am reaching out for your assistance regarding an incorrect account reflected on my credit report. This issue has harmed my credibility as a customer, and I am requesting that these falsely reported accounts be removed.

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: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have reasons to believe that there where XXXX XXXX consumers who was part of a data breach I believe I was XXXX of them and this is why I cant figure out who these companies are and how did they get my SSN I am requesting to have all my address job inquires charge off everything removed from my credit report no matter what its called. According to the FCA ( Financial Conduct Authority ) regulations, if a firm under their jurisdiction experiences a data breach, they are required to promptly notify affected individuals in a clear and fair manner, and must implement proper complaint handling procedures ; essentially, they are held accountable for protecting customer data and must take swift action in case of a breach, potentially facing penalties for failing to do so.

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