vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: DC

Complaint narrative:
Date : XX/XX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information. 
These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines. 
In accordance with 15 USC 1681i ( XXXX ), I remind you that you must complete the reinvestigation within XXXX  days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.

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 2025-01-02 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX on XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately. 

Please provide written confirmation regarding the resolution of this complaint.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Show the Contract with My Signature or Delete the Account 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently contacted Trans Union and XXXX and XXXX about an accurate information on my report such as closed accounts and inquiries that I did not authorize. I was instructed to contact the CFPB in the XXXX.this was on 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 2025-01-02 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
As of XX/XX/year> I have been charged {$370.00} in interest on my loans. As of XX/XX/year> Mohela has placed me on an administrative forbearance while they attempt to recalculate my monthly payment under the XXXX plan. At this time, I was informed that the interest rate of my loans was set to 0 % and that I would not be charged interest. However, on XX/XX/year> I was informed by MOHELA that this was in fact not the case, and that my loans had been accruing interest while I was on administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted 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  Balance : {$170.00}

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted 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  Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: OK

Complaint narrative:
On XX/XX/year> I used ingo app to cash my payroll check. It was for XXXX $ they wont give me the XXXX XXXX XXXX and I keep asking for it. They have not tried to help me at all and their customer service sucks. My bank showed they verified the debit card I linked to ingo but that's all they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DC

Complaint narrative:
In XXXX, XXXX someone hacked my XXXX XXXX account ( which I subsequently closed ) and somehow sent {$2000.00} of my money to themselves. I DID NOT AUTHORIZE this transaction. Reporting this to my bank, PNC, they refunded on a temporary basis, pending investigation. XXXX XXXX decided in the meantime that I was responsible for this clearly fraudulent transaction which was linked to my PNC Debit card. On XX/XX/XXXX, PNC, without ANY warning to me, withdrew the money they had initially refunded. They claim to have sent a letter explains this but I never received XXXX. 

A PNC XXXX at my branch ( XXXX XXXX XXXX XXXXXXXX where I've had a checking and savings account for XXXX  years ) somewhat bluntly informed me that there was no option for me to recover this money. I find it hard to believe they aren't somehow obliged to protect me from financial predators. Isn't there some sort of insurance that protects me from crimes like this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-01-02 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IA

Complaint narrative:
We submitted paperwork via XXXX to the XXXX program because I have been working in public service for over XXXX years. The employment verification was completed by the XXXX XXXX XXXX and was completed by the dept of ed on XX/XX/XXXX and the form for XXXX XXXX XXXXXXXX XXXX was completed on XX/XX/XXXX however we are now being told that we have to re-verify employment all over again even though has already been done several time by the State of Iowa and XXXX XXXX XXXXXXXX XXXX. I have resubmitted the forms via XXXX but my complaint is why do we have to do this again when the forms show they have been received by the Dept of Education and the forms show as being completed. However when I click on the application it shows it is missing employment verification for both XXXX. We have been dealing with this for over a year now and have paid XXXX to complete this for us. XXXX resent the application for XXXX XXXX XXXX on XX/XX/XXXX and the form was closed stating it was not filled out correctly. I believe I have enough credits for forgiveness but they don't seem to be processing our applications correctly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
this company Hunter Warfield keeps calling my phone everyday at all times of the day ; the latest call I received being at XXXX XXXX. I have asked them multiple times on their recorded line to place me on a XXXX list and to stop calling me and I am still receiving calls from them and other companies representing them DAILY, even after their " 30 day XXXX grace period '' has passed. I have asked them to stop harassing me and they will not stop. I have also asked them to explain the debt and what its from and MULTIPLE different agents have told me that " this is an attempt to collect a unpaid loan/housing debt for XXXX '' but i would NEVER take out a XXXX loan EVER. I'm not sure that the agents who work there even know what they're doing because I've been told different things from every agent who i spoke to which is why i stopped answering the XXXX calls they give me a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
TransUnion has several credit inquiries that should not be on my credit report : - XXXX XXXX XXXX from XX/XX/year> Inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization. 

XXXX XXXX XXXX  from XX/XX/year> This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization. 

XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/year> This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

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 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
From XXXX Lexington Law did not repair my credit as promised. Lexington Law made my credit worse, they promised to send out letters to companies that were on my credit report and to fix my credit. I was paying them every month and Lexington Law did not fix my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Data breach of information from 4 different companies. My information on all three credit reports are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
SoFi offers a welcome bonus XXXX XXXX XXXX XXXX XXXX of {$300.00} if direct deposits of more than {$5000.00} are deposited in the account within 25 days of the XXXX direct deposit. 

I qualified for the bonus but never got the bonus ( $ XXXX salary deposited on XX/XX/XXXX and another $ XXXX on XX/XX/XXXX ). Called the bank on XX/XX/XXXX and got told there was a " coding issue '' that my salary was flagged as a " deposit '' and not a " direct deposit '' by the bank 's system. looks like this has happened to others as well XXXX XXXX XXXX XXXX XXXX 

Very concerning that a financial institution is able to brush this under the carpet so easily as a coding issue. So many customers would have been ripped off under the guise of a coding issue. To rectify the problem the bank 's agent offered to submit a request to flag my future salary deposits as " direct deposits '' so the bank can offer me the bonus. I can't trust SoFi to handle my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MO

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 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I wan na dispute derogatory collection amount of {$4300.00} on my credit report from credence resource management. I have no idea where it came from. I believe my data has been compromised. This is a fraudulent. It does not belong to me. Its not mine and I want it erase off my credit report. Its messing up my credit. Thank you.

Company response to consumer: Closed with non-monetary relief