vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
I have made multiple complaints about these data furnishing companies reporting inaccurate data without my consent. I'm a victim of identity theft, my rights as a federally protected consumer have been violated because of this injustice I continuously have been getting denied for credit due to these inaccuracies on my consumer report. I demand these inaccuracies be removed before further legal action is taken. I have attached a copy of my ID, along with a FTC report to support my claim. I have been dealing with this issue for over 90 days. I demand these inaccuracies be removed immediately.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have had multiple transactions where transactions were " pending '' and the funds put on hold and pulled from my available balance but never returned. One transaction on XX/XX/XXXX for {$160.00}. I called one time to dispute they said the merchant released the hold but it can take an additional 21 days for the funds to be released. The funds have never been released the transaction still shows pending yet they are claiming " the funds have never been taken from my account and in fact was returned '' however that {$160.00} transaction caused a charge to be declined because it was pulled from my account. When I call them they state the money is there they do not know why I can not see it. In another instance I had XXXX XXXX on XX/XX/XXXX submit a transaction for {$180.00} and my credit card company, Apple Card/Goldman Sachs let three transactions for the same amount post debiting my account a total of {$560.00} pull from my account when I tried to dispute it them told me two of the three would eventually fall off and when they didn't I tried to dispute them then they stated they can not dispute pending transactions. Two of those funds were eventually refunded however, the third is still being reviewed. They constantly have been telling me the funds are there when they weren't or that I was refunded already when transactions still show pending and that the money is really there when it is not. These people wouldn't even issue provisional credit while investigate the disputed transactions. As it can be seen the transactions continue to cause declines on other transactions. Also in one photo I had so many payments to offset the {$560.00} they withdrew so that it would not cause other things to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 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: GA

Complaint narrative:
On XX/XX/year>, I received a letter from MOHELA stating I would be placed on administrative forbearance due to the SAVE plan lawsuit. This letter stated that my loans would be set at 0 % interest. Additionally, my Loan Details page indicates that all of my loans are at 0 % interest. On XX/XX/year>, I received another letter from MOHELA stating that my loans were accruing interest, despite still being in forbearance, and that they would continue to accrue interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
On XX/XX/XXXX, I discovered that my personal information had been compromised in a data breach, resulting in unauthorized accounts and transactions. 

I took the following actions : Contacted the companies involved : I reported the fraud and requested that the affected accounts be frozen or closed, as required by the Fair Credit Reporting Act ( FCRA ). 

Filed a police report : I reported the theft on [ Insert Date ], in accordance with the Identity Theft Enforcement and Restitution Act of XXXX. 

Notified the credit bureaus : I contacted Equifax, XXXX, and XXXX to place a fraud alert, in compliance with the Fair and Accurate Credit Transactions Act ( FACTA ). 

Filed an FTC Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on [ Insert Date ], as per the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am taking steps to protect my identity and prevent further misuse of my information, including requesting credit monitoring and fraud alerts as required by applicable state and federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CITIBANK, N.A.
State: NV

Complaint narrative:
This is a formal complaint and dispute regarding an unauthorized credit inquiry on my credit report, which appears to be in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). This section strictly limits access to consumer credit reports to specific permissible purposes, none of which apply in this case. The inquiry in question is as follows : Company Name : XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX : XXXX I did not authorize this inquiry, nor did I have any existing relationship or transaction that would justify the accessing of my credit report by this entity. My rights as outlined under Section 1681b have therefore been violated, and I am requesting immediate corrective 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This problem began XX/XX/year>, with Home depot, Home Depot placed a incorrect 30 Day late payment onto My consumer Report, Stating it was a clerical error I've contacted Home Depot Via Phone as well as in writing on several times, Finally I was able to speak with A manageXXXX '' XXXX '' During this call I informed XXXX This Account is on Auto pay, Immediately I forwarded XX/XX/year>, XX/XX/year> and XXXX 's Bank Statements showing the moneys were deducted in three consecutive months there is no room for a late payment after Questioning XXXX more about The FCRA and validating the late payment he states its up to the three Credit Bureaus on how the account is reporting? I stated that's definitely not true and the credit bureau is just a liaison between the Creditor and the Consumer and ONLY report information provided by the creditor. XXXX then informs again its a clerical error, Dispute it with the credit bureau Again and I would receive the results sent to my mailing address. I've patiently waiting for 47 Days and the late payment is still there. per the FCRA Subject to Section 1681s-3 and Act 15 U.S. 1681 ( 2 ) ( A ) ( i ) Code information must be Certified and Validated. I've also Enclosed one of the debt validation letters sent to Home Depot.

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 2024-12-02 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) 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 2024-12-03 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX  Discharge XX/XX/2018 account # XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Input XXXX XXXX initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.

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 2024-12-03 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: TX

Complaint narrative:
Having a problem with removing hard inquiries and debt.

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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
My wyfe died XXXX  years ago XX/XX/XXXX. She had no will. Im in probate court for XXXX  years in XXXX. 
Ive paid the mortgage faithfully since with XXXX XXXX. 

XXXX sold the mortgage to Select Portfolio service in XXXX of this year XXXX. 

SPS as they are called requested documents which I provided. 
In XXXX or so. I was notified that my monthly mortgages Payment was {$4800.00} not the $ XXXX month it had been. 
XXXX from SPS told me to continue to make my payments as I had been. 
Which I have been. 
Last month XXXX a manager from SPS that they could not talk to me without paperwork I have already submitted that they SPS REQUESTED. I submitted the same paperwork for another loan company and had no problems. 


Only since SELECT PORTFOLIO SERVICES has taken over my dead wyfes mortgage on our house that we raised our family in. Have I had a very real fear of LOSING OUR HOME. I built with my dead wyfe. I FEAR LOSING MY HOUSE BC OF NOTHING IVE DONE WRONG BUT LOSE THE ONLY REASON FOR LYFE MY WYFE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing regarding my account with your company, Account Number : XXXX has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CT

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation