vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history. 
Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history. 
Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. XXXX XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: WV

Complaint narrative:
I have no recollection of Said Debt with Fabco in the amount of {$630.00} and would like to have this Debt removed immediately from my credit file

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 2024-12-17 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 do not recognize the negative accounts appearing on my 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 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report under the account listed below. The item appears on my credit report as a repossession/charge-off in the amount of {$44000.00} and is listed under the name of Ally Financial. This account does not belong to me, and I have no knowledge of it. I was directly affected by the XXXX data breach, and I believe this account is the result of fraudulent activity related to that breach. 

As a result of the breach, my personal and financial information was compromised, and I am requesting that you investigate and remove this fraudulent account from my credit file. I am exercising my rights under 15 U.S.C. 1681 ( b ), which ensures that consumer reporting agencies maintain the accuracy and integrity of the information in consumer credit files. The Fair Credit Reporting Act requires that any information in my credit report that can not be verified as accurate must be removed.

In accordance with 15 U.S.C. 1681i, I request that you investigate this matter and provide me with the results of your investigation within 30 days of receipt of this letter. Should you determine that this account is indeed a result of fraudulent activity, I request that it be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-17 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 non-monetary relief
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address the presence of inaccurate accounts on my credit report. These accounts are completely incorrect and should not be listed under my name. This situation is not only unfair to me but also deeply troubling, as I have never been involved in any of the activities associated with these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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 formally address the presence of inaccurate accounts on my credit report. These accounts are completely incorrect and should not be listed under my name. This situation is not only unfair to me but also deeply troubling, as I have never been involved in any of the activities associated with these accounts.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2024-12-17 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 that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised.

The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to each bureau and i didn't get a response except from TransUnion which was a stall letter.

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 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Im k I am or a as in a XXXX XXXX  plan and I have a FIXED 2 % mortgage and I am a XXXX Homeowner exemption 50 % and my mortgage servicer who took over in XXXX as I know Shellpoint mortgage servicer which I had XXXX XXXX  until that point sent me a letter in XXXX telling me I am XXXX behind in payments and they refused to take my payments which is false as I have all my payments from XXXX of XXXX when I filed XXXX XXXXXXXX never missed a payment I went to bank XXXX and got all copies sent it to mortgage company as proff then in XX/XX/XXXX they added {$71000.00} to my monthly payments starting in XX/XX/XXXX they sent me a notice my new mortgage payment is now {$4100.00} instead of my fixed 2 % payments I was paying of {$2900.00} i am 50 % DHE homeowner and my insurance stayed the same or went down I asked I have a fixed mortgage had no increase in escrow and they said that I was XXXX in escrow so I looked back on my mortgage bills and it was like that or into been there dont no where it came from but before I entered into the XXXX XX/XX/XXXX it was there they XXXX XXXX the accounting and now they want to add it to me when I have a fixed mortgage 2 % that is improper and illegal practices by the bank and I want it fixed. I am not going to pay it I contacted my bankruptcy attorney XXXX XXXX XXXX XXXXXXXX XXXX and left numerous voice messages a numerous emails and texts in regard with no response and I have proff of all of this plus prior mortgage statement to the XXXX XXXX of XXXX and it was there so I want this XXXX they added to my monthly payments removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MN

Complaint narrative:
I am filing this complaint regarding multiple violations of my rights by XXXX, Experian, XXXX and XXXX for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My XXXX XXXX bankruptcy was reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer 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 2024-12-17 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: AZ

Complaint narrative:
My loan servicer is Mohela, I have been getting emails that my pslf will not qualify, and that I have a deferment placed on my account not by my request and this has happened more than a few times, I have always requested to be taken out. I have been trying to get in contact with them for over 3 months and have not been able to get through, I request a call back and do not get one. When I talk to someone they tell me that I need to talk to someone else about getting the deferment taken off and I am once again placed on a long 2 hour hold and I speak to no one, this has been going on for months. I now find out that my pslf is totally messed up because of this and I have months of payments and qualifications from my employer that will not qualify because of this deferment that I did not request. the fact that the federal government can put my loans into a deferment without my knowledge or agreement and XXXX XXXX  my pslf is not acceptable. I have paid my payments and always turned in my documents for the 10 years like I am supposed to to qualify for my pslf.

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