vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NE

Complaint narrative:
On XX/XX/year> I attempted to sign up for a new income driven loan program as I was under the impression it would lower my XXXX payment. I did not know it would actually XXXX my payment. I called MOHELA the very same XXXX, I was informed that any request that would increase my payment would automatically be denied. This was incorrect and my payment was XXXX. I called back XXXX times between then and XX/XX/year> and was always told the problem was being worked on and would be resolved but my requests to return my payment to the XXXX amount kept being denied. I waited on hold for more than XXXX hours and still havent had resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : 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 2024-05-16 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I sent copies of debt validation letters to all XXXX credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from them.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All student loans had been forgiven about XXXX  years ago under XXXX and XXXX XXXX Credit Bureau continues to report the balances and not remove them.

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 2024-05-16 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:
Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over XXXX days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a XXXX party filing this dispute.

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 2024-05-16 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: NC

Complaint narrative:
Violations of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX in XXXX, XXXX  trying to buy a car. While checking my credit, they made XXXX  hard inquiries on my credit report instead of doing XXXX soft hit. I feel like they have violated my credit report by doing so and I would like to dispute those inquiries. 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 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the XXXX XXXX XXXX. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities. 

Recently, I discovered that the XXXX XXXX XXXX has reported that I owe them for XXXX apartment rentals totaling XXXX. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the XXXX XXXX XXXX has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report. 

This wrongful reporting by the XXXX XXXX XXXX is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly. 

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the XXXX XXXX XXXX, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution. 

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over 45 days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a third party filing this dispute.

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 2024-05-16 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: PA

Complaint narrative:
Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over 45 days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a third party filing this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-05-16 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: AZ

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 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 2024-05-16 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: AZ

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But XXXX is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by XXXX DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But Experian is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by Experian DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : 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 2024-05-16 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: DC

Complaint narrative:
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am currently in the process of buying a house and noticed that on my credit report, there was a collection in the amount of {$15000.00} from a collections company called Jefferson Capital. I do not know what this debt is or where it came from. Our mailbox has been broken into many times and I know that this is due to identity theft. Again this is not my debt and need to be removed from all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-16 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: SC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the National Credit System. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities.

Recently, I discovered that the National Credit System has reported that I owe them for XXXX apartment rentals totaling {$4800.00}. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the National Credit System has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report.

This wrongful reporting by the National Credit System is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly.

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the National Credit System, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution.

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.

Company response to consumer: Closed with explanation