vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Accounts to be blocked and deleted : 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 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 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 XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to XXXX XXXX XXXX ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 XXXXXX/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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to HP Sears Collection. This account appears on my credit report inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. 

I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts 
from my credit report. I am a victim of a recent data breach and identity theft. These accounts 
were opened without my authorization, and I am invoking my rights under 15 U.S.C.  1681c2(a) and FCRA  605(b) to have fraudulent information removed from my credit report.
Accounts to be Blocked and Deleted:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have a savings account with Ally Bank. I linked my external XXXX savings account a couple of weeks ago, and successfully made a few transfers from Ally to XXXX ( initiating from the Ally side ). 

Today, XX/XX/year>, I scheduled a transfer of {$14000.00} from my Ally savings account to my XXXX savings account, and then received notification from Ally that my Ally account had been suspended. I called to ask why, and they said they couldn't tell me, but that someone would get in touch within XXXX business days. Meanwhile, my money ( {$14000.00} ) is in limbo, and I can't transfer it to use. 

I then talked to a supervisor at Ally who said it was XXXX who rejected to transfer. But when I called XXXX, they said they did not see any sign of any incoming transfers, and my account looked fine to them. 

I called Ally again, and got no new details. They just said someone will reach out in 2-3 business days. 

I have been a customer with Ally for 6 years, I successfully linked and transferred funds to my XXXX savings, and now I am in a bind because I have no access to the {$14000.00}, which I need.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received a zelle payment from an individual who I believe is the prior owner of my cellphone number by accident. Due to to my auto accept zelle payments feature being on because I never thought that a random zelle payment would be sent to me. A payment was automatically deposited into my account. The person knowing that zelle payments are permanent reported the payment as fraud in an effort I believe to get their money back. Due to the fraud claim ally bank has now deleted my user information, froze my accounts, and is offering no means of communication in regards to help. I have called their fraud line multiple times asking for help and have either been lied to about the department who is handling it, who to speak to, what times departments are open and most recently have been told that its not their issue, XXXX told them that its fraud and due having recently been laid off and waiting for my last XXXX commission checks from my prior company and having a low balance that my account looks like a fraudsters since XXXX. Though this situation only began a week or so ago. 


Along with that Ally has stated that they will not unfreeze my account because they have already verified the situation as fraud and that I need to take it up with XXXX. So I called XXXX and they told me if XXXX was attached to my bank account that I need to speak with my bank and that they will handle it. 

I just want my money back and to quit being defamed and lied to. Upon investigation I have a voicemail that is from the person stating that they had sent the zelle and that its there and ready to go because the lady sent it to my account thinking my phone number was still her grand daughters. Though I have had this number for over a year. I now can't afford transportation, all my bills are bouncing, late fees being assessed, my mental health is terrible due to the XXXX of not being able to pay things like my car payment and getting repoed, if I cant get my insurance paid the state will suspend my license, and I cant afford my medications.

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 2024-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
My loans with American Education Services ( AES )  were XXXX and reduced to a XXXX ( {$0.00} ) balance through the borrowers defense program in XXXX of XXXX. I received an official paid-in-full notice from AES in XXXX of XXXX. I was told by AES that the XXXX loans that were held by them would reflect a XXXX balance on my credit report by the end of XX/XX/year>. To date, my former AES loans, which now have XXXX balances, are still showing on my credit reports as having balances and payments due. 

XXXX. XXXX XXXX reported XX/XX/year>, {$9300.00} Reported balance XXXX. XXXX XXXX reported XX/XX/year>, {$8200.00} Reported balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$11000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$24000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$48000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies.

Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MD

Complaint narrative:
My federal student loans transferred from XXXX to Mohela Dept. of Ed. I never had any issues with XXXX. However, when my loans were transferred to Mohela Dept. of Ed., my monthly student loan payment skyrocketed from approximately {$200.00} to {$1300.00} with no explanation even though it was not time for me to recertify my income. I contacted Mohela and they could not provide me with an explanation as to why but they mentioned that my income driven repayment plan was not transferred to Mohela. They placed me on an administrative forbearance in which I did not have to make payments for two months for them to attempt to find out the issue. The issue has still not been resolved despite me having resubmitted recertification documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation