vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute and request the removal of incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I have recently reviewed my credit report and found several inaccuracies that need to be addressed promptly. 

Specifically, I am requesting the removal of all outdated addresses except for my current address. The incorrect information on my credit report is causing significant harm to my credit score and financial reputation, and I kindly ask for your immediate attention to this matter. 

Details of the incorrect information that need to be removed : Old addresses that are no longer associated with my current residence. 
Any other outdated or erroneous information that does not accurately reflect my credit history. 
Enclosed with this letter are copies of documents that support my current address and identity, such as a utility bill, driver 's license, or lease agreement. Please use these documents to update my information accordingly. 

According to the FCRA, you are required to investigate this dispute and correct any inaccuracies within 30 days of receiving this letter. I request that you provide me with a written confirmation once the corrections have been made to my credit report. 

Please note that failure to comply with the FCRA 's guidelines may result in legal action, including but not limited to monetary damages. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
I am writing to formally dispute and request the removal of incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I have recently reviewed my credit report and found several inaccuracies that need to be addressed promptly. 

Specifically, I am requesting the removal of all outdated addresses except for my current address. The incorrect information on my credit report is causing significant harm to my credit score and financial reputation, and I kindly ask for your immediate attention to this matter. 

Details of the incorrect information that need to be removed : Old addresses that are no longer associated with my current residence. 
Any other outdated or erroneous information that does not accurately reflect my credit history. 
Enclosed with this letter are copies of documents that support my current address and identity, such as a utility bill, driver 's license, or lease agreement. Please use these documents to update my information accordingly. 

According to the FCRA, you are required to investigate this dispute and correct any inaccuracies within 30 days of receiving this letter. I request that you provide me with a written confirmation once the corrections have been made to my credit report. 

Please note that failure to comply with the FCRA 's guidelines may result in legal action, including but not limited to monetary damages. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrected 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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
A debt collection appears in my credit report for a XXXX XXXX in Texas. I'm an Ohio resident with no idea about this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Hello, I am part of the XXXX XXXX XXXX federal case, and my loans were set to be discharged by XX/XX/XXXX of this year. As of today, my loans are still on my credit report, in the FSA site, and on Mohela 's site. No one has been able to provide any sort of update or timeline on the discharge happening. Meanwhile because of my credit report, it is impossible for me to move forward in life with what my family is trying to do. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I signed up for credit company called Tomo boost and credit score it asked for XXXX dollar trial to pulled credit I cancelled with both of them I got charged in XXXX XXXX XXXX I cotinually requested to cancel my service Then XX/XX/year> I continue to get emails to me if I'm sure I want to cancel I responded XXXX YES CANCEL MY SERVICE THEN OUT MY CHECKING ACCOUNT THEY TAKE XXXX OUT MY ACCOUNT I CLOSED DEBIT CARD SO THEY COULD NOT GET ANYMORE MONEY FILED FRAUD wit my bank and better business bureauTHEY REFUSE TO REFUND ME MY MONEY I DONT HAVE THE CARD HAVE NEVER USE THEIR CARD AND THEY ARE CLOSED ON MY CREDIT REPORT SO WHat service are they provide and XXXX XXXX XXXX them and stated they can keep debiting because I had authorization and tomoboost stated that I had XXXX days to cancel I GAVE THEM PLENTY OF TIME I EMAILED XX/XX/XXXX when they stole XXXXpayment out my bank account PLENTY OF TIME AND YET THEY TOOK MY MONEY IN XXXX for a yearly service fTHEY WOULD HAVE KEPT TAKING MONEY IF THEY HAD NEW DEBIT CARD NUMBER according to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-03-20 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 am writing to address severe discrepancies I discovered during an investigation of my credit report, which has significantly impacted my mental well-being. Upon thorough review, I uncovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately.

As stipulated by the Fair Credit Reporting Act, it is imperative that all information on my credit report be 100 % accurate. However, I have identified several accounts that are in direct violation of this mandate, as outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I have attached copies of all correspondence previously sent to your agency regarding these discrepancies for your reference. 

I expect prompt and thorough investigation and resolution of these issues in compliance with federal law. Failure to address these violations will result in further legal action.

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 2024-03-20 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:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-20 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-20 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/year>, I received a notification on a social media service called XXXX. My friend, who I haven't talked to in two years, messaged me saying that they accidentally reported me to XXXX, and that I need to fix the claim with the moderators. In the message, they gave me the name of the person I needed to contact, as well as the claim number. I added the moderator on XXXX, who went by the name " XXXX XXXX. '' He said that they were investigating the case, and wanted to confirm that my bank account wasn't involved in any illegal activities. In order to verify, they had me connect my XXXX account to XXXX, which is a money wiring service owned by XXXX. They promised me that they would send all the money back to me once their verification process was complete. They had me send {$7000.00} through my XXXX checking account and {$1000.00} from my Discover credit card. They were able to see my bank accounts, and saw the amount I had in my savings, which was put aside to pay off my student loans and apartment rent. After maxing out my debit card, they wanted me to call XXXX and say that I need to expand my spending limit to the max amount. I was told not to say what was going on, or else they will say it's a scam. I called XXXX and asked to expand my spending, but was denied because I didn't have the amount in my account needed to expand the limit. I called XXXX a few times during this time explaining what was going on, not sure if it was a scam. After a failed wire transfer through the XXXX website, I ended the scam, and called XXXX asking to close all my accounts and cards I have with them. I went to my local police department and filed a police report. I printed out the receipts with the names of the people that received the money, how much money they received, and the bank number that is associated with them. I currently filed a claim with XXXX that they are still investigating. I also called Discover to close my accounts with them. I asked if there was a way to suspend the transaction. They refused, saying that it's a pending charge, and I can't dispute anything until a charge was processed. Once the charge was processed, they refused to file a claim because I " authorized '' the transaction. I was told that the transaction was a " push authorized transaction '', since I was forced to authorize them against my will. I continued to call frequently asking to file a claim, with their response being no, since the charge was authorized, despite the fact that it was a scam. I asked for financial assistance since I am a full time XXXX XXXX with a part time job and full time internship. They said no because my Discover card is linked with a XXXX  account, so I am denied assistance with paying off my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last XXXX months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove 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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened a XXXX credit card with American Express in XX/XX/2023, and spent a large sum of money to fulfill the requirement to receive the welcome reward. 

In XXXX, I realized that I did not have the reward miles in my account, so I called in. They told me that I had already opened and immediately closed the same card immediately before I opened the card, and therefore was ineligible for the promotion. The card they claimed I opened and closed was opened for one minute and had zero spending. I did not do this. It clearly was some kind of error on their back end or with their website. Why on earth would I open and immediately close a card just to open it again one minute later? 

I also had spoken with a representative to confirm that I am selecting the correct card and that I am eligible for the promotion prior to opening the card. I requested they pull the recordings of the call as I was informed it was being recorded. 

They told me they will investigate and follow up in 10 business days. I never received a response. Today, I called in to follow up. They said the investigation concluded and they will not honor the welcome offer, but they refused to provide me any details of what they investigated. After a lot of prodding and being put on hold all morning, they said they will redo the investigation and I will hear back in 10 days. It reeks of Deja vu.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUTOMOTIVE CREDIT CORPORATION
State: NM

Complaint narrative:
I got XX/XX/year> and the info on the closed date and price is only for what is owed not what the car was loaned for Ive tried to call and work with them for payment but couldnt agree on price for payment

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 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
When I cashed out on my cash app the money didn't go my account it went to.pathward which I don't have a card or account with them. I have contact cash app who keeps denying my claim.

Company response to consumer: Closed with explanation