vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-07-12 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-11 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number XXXX XXXXXXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
I want to emphasize that this complaint is valid and not sent in error. My credit report includes false and inaccurate information, leading to undue stress and negatively affecting me and 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 non-monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 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: MA

Complaint narrative:
Re : Dispute of Inaccurate Credit Information under 15 U.S. 1681e ( b ) and 15 U.S. 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to dispute the following inaccurate information in my credit report. This information does not belong to me and is damaging to my credit profile. 

The disputed account information is as follows : - **Account Name : XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Account Type : ** Unsecured - **Responsibility : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$270.00} - **Terms : ** 12 Months XXXX XXXX XXXX Payment History Discrepancies : - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXXXXXX : ** 60 days past due - XXXX XXXX : ** 90 days past due This account and the associated negative payment history are inaccurate and are not reflective of my actual payment record. 

Under 15 U.S. 1681e ( b ), it is your responsibility to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, per 15 U.S. 1681i ( a ) ( 5 ), I request that you promptly delete this inaccurate information from my credit report. 

Please conduct a thorough investigation of this matter and delete the inaccurate account information immediately. Enclosed are copies of documents supporting my position ( e.g., statements, correspondence, etc. ). Please notify me in writing of the results of your 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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account XXXX XXXXXXXX Inaccurate information reporting to the credit agencies. Date of last activity is reporting XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX XXXX XXXX. No date of last payment reporting to XXXX or XXXX. Company has not updated closed or open account on XXXX and XXXX. No response from this company. Account has been re-aged with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The Debt collector is reporting on my credit report as if I have an open account with them. This account was closed and then sold which is illegal to close something and sell it but beyond that I have disputed this with XXXX and they are saying that I need to have a formal complaint here so that they can take it off my credit report. They do agree that this debt was closed long time ago and somehow it is showing as opened and resurfaced as something that is new and Reporting monthly that Im not paying on something that isnt owed anymore. This is malicious and intentionally harming my credit as an attempt to receive payments off of something that has already been closed and settled with the original Debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-11 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:
PLEASE BLOCKED AND REMOVED 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXXXXXX. Since I am on a fixed income, the doctor 's business office set me up with CareCredit because I did not have enough to pay the bill ( {$1200.00} ) up front. They explained to me that as long as I paid a certain amount monthly that would pay off the debt in a XXXX, I would not be charged late fees or interest. I was advised that my due date would be the XXXX of the month. On XX/XX/XXXX and XX/XX/XXXX I paid {$100.00} each month. I have copied proof of these payments from my checking account : XXXX payment to CareCredit in the amount of {$100.00} and XXXX payment to CareCredit in the amount of {$100.00}. On XX/XX/XXXX I sent them a check in the amount of {$110.00}. I have copied proof of this payment from my checking account : Synchrony CHECK PYMT XXXX Electronic Check {$110.00}. When I checked my CareCredit account I saw that on XX/XX/XXXX I was charged a late fee of {$30.00} and on XX/XX/XXXX a late fee of {$41.00}, and on XX/XX/XXXX I was charged {$2.00} in interest. I telephoned them today to ask why I was charged XXXX late fees plus an interest charge. The person I spoke to said the first XXXX payments had been posted after the XXXX of the month. The XXXX payment was posted on XX/XX/XXXX, yet I was charged interest. I advised her that the first XXXX payments from me were dated on the XXXX of each month. I told her that the fact that their bookkeeping was sloppy was not my problem. If I were a sceptic, I'd think they took their sweet time posting payments so that they could charge late fees every month. Also, as an aside, the number of spam emails I've received since starting to do business with CareCredit has easily quadrupled. I've always been careful to change my email passwords regularly, yet the spam just keeps coming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
MOHELA/DEPT OF ED Last reported XX/XX/XXXX {$4200.00} Reported balance Highest balance {$4100.00} Payment status -Current Worst payment status -Current ACCOUNT DETAILS Account status -Open Type -Education loan Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO MOHELA/DEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-12 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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 2024-07-11 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 want to emphasize that this complaint is valid and not sent in error. My credit report includes false and inaccurate information, leading to undue stress and negatively affecting me and 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 2024-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Education Principle Foundation
State: NY

Complaint narrative:
My son, XXXX XXXX attended the art is to shoot of XXXX for less than XXXX year. Someone in that school submitted annual loan request on my behalf and now my Credit report shows over {$100000.00} to that school thats impossible. Someone fraudulently signed my name and completed information without my consent and now its showing up on my credit report. No one has ever returned my calls and now Im just finding out it. The school is closed.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I disputed a transaction with PayPal for {$430.00} PayPal refuses to refund me I contacted PayPal today. The representative had me on hold for over XXXX minutes. The total time I spent on the phone with customer service was a hour and XXXX minutes. I disputed a transaction because the hotel I stayed at had roaches and a nasty dirty filthy mattress Ive also submitted proof to PayPal and they just dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Our insurance is paid through our escrow account and Loan Depot did not tell us that our Homeowners Insurance wasnt paid as of XX/XX/XXXX until the year was over ( in XX/XX/XXXX ). So in XX/XX/XXXX, I purchased insurance. However, in XXXX I was notified that they are charging us an additional $ XXXX a month for a Lender placed insurance for that missing year. 

In XX/XX/XXXX, I called and spoke to XXXX different representatives in the Insurance Department XXXX XXXX, XXXX & XXXX XXXX. They reviewed everything and agreed that no notification was sent to me, so a supervisor sent a waive request to have the charges removed. The last call on XX/XX/XXXX, I was told that they would email me once resolved and that I didnt need to call back for follow ups like I had been doing. I waited, but by XX/XX/XXXX I still had not heard anything back. So I called them again. 

XX/XX/XXXX Spoke to XXXX. Turns out something happened to the initial waive request so another one was sent by the supervisor. They told me they notated the email to that team as Urgent. Spoke to their payment team about only paying my regular mortgage amount but they do not accept partial payments. So now I am struggling to find an extra $ XXXX a month. 

XX/XX/XXXX Called back for a follow up. No update per XXXX, but she said she would ask the XX/XX/XXXX supervisor to send a follow up. 

XX/XX/XXXX Called again and spoke to XXXX, whose supervisor sent another follow up email since there had been no updates. Told me it should be XXXX business hours. 

XX/XX/XXXX I called back and spoke to XXXX. Still no updates and she told me they would call me back once resolved. I told her Ive already done that in that past and it got lost somehow. So she told me to wait XXXX business hours before calling back. 

At this point Im so frustrated and charging me $ XXXX extra a month is stressful and ridiculous when its their fault to begin with. I dont know why this other team isnt getting back to me or why its taking them so long to respond. Urgent emails sent by their supervisors dont seem to matter and neither does their customer service because Ive been dealing with this since XX/XX/XXXX and there is still no response other than for me to wait XXXX amount of time before calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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