vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of all late payments and the inclusion of a timeshare account XXXX XXXX XXXX while the debt associated with this account is actively in litigation. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies. Furthermore, during litigation or dispute of a debt, it is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA for the creditor to fail to properly designate the account as disputed. The timeshare company in question was issued a cease and desist in XX/XX/year> regarding the collection and reporting of this debt, as litigation is ongoing. The continued reporting of late payments during this period constitutes inaccurate and unfair reporting practices.

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 2024-12-28 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: CT

Complaint narrative:
XXXX, XXXX and Transunion are in violation of the Fair Credit Reporting Act 15 U.S.C 1681

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 2024-12-28 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:
Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and that my personal information has been compromised. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ) : Fraudulent 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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 writing to inform you that I am a victim of a data breach and that my personal information has been compromised. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ) : Fraudulent 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 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 2024-12-28 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: TN

Complaint narrative:
On XX/XX/year> a collection from XX/XX/XXXX with a debt of {$960.00} was added to my Experian credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. I do not know this company and I am unaware of any debt owed to them as I have never signed anything with them. It is asl listed as an OPEN collection which is also inaccurate.

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 2024-12-28 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 report an instance of identity theft that has occurred as a result of the data breaches involving XXXX and XXXX, and to seek assistance in addressing the consequences of this situation. 

My personal information was compromised during these breaches, which I understand affected millions of individuals. As a result, I am now a victim of identity theft. Unauthorized accounts and fraudulent activity have been detected on my credit report, and I am taking steps to rectify the damage caused by these breaches. 

In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that the Consumer Financial Protection Bureau assist me in enforcing my rights under the law, which mandates that a credit reporting agency block any information that is the result of identity theft, as I have not authorized the accounts or transactions appearing on my credit file. 
XXXX XXXX XXXX XXXX Account # XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$3100.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX {$4100.00}

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 2024-12-28 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:
A collection/charge-off was put on my credit report from XXXX XXXX XXXX for the amount of XXXX $ on XX/XX/year>. It says it is for a " XXXX XXXX XXXX ''. The account age was 2 years and 1 month. There is no report of any past due amount, payment dates, monthly payment, or credit limit. 

I have never owned a credit card from this company. For the past two years, I have only had 3 major credit cards, two with XXXX XXXX and XXXX with XXXX XXXX XXXXXXXX. 

The Lender Info is XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX This is having a negative affect on my credit score, I have already filed a dispute with TransUnion. Can you please assist me with getting this removed?

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 2024-12-28 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: IL

Complaint narrative:
I, ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-28 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: CL Holdings LLC
State: FL

Complaint narrative:
A collection/charge-off was put on my credit report from XXXX XXXX XXXX for the amount of XXXX $ on XX/XX/year>. It says it is for a " XXXX XXXX XXXX ''. The account age was 2 years and 1 month. There is no report of any past due amount, payment dates, monthly payment, or credit limit.

I have never owned a credit card from this company. For the past two years, I have only had 3 major credit cards, two with XXXX XXXX and one with XXXX XXXX XXXX. 

The Lender Info is XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX This is having a negative affect on my credit score, I have already filed a dispute with XXXX. Can you please assist me with getting this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc.
State: NV

Complaint narrative:
Hi requested to stop auto withdrawal from my account in the amount of XXXX. Solo has denied this request three times. I requested it to be stopped XXXX days prior to the withdrawal date. I contacted my bank and they put a stop request but couldn't stop the debit transaction. They stated they dispute it if it's successfully withdrawn. 

They are violating Federal law and are required to stop payment. I sent a revocation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was paying this company over a year for credit repair and there was no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year> started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year> and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year> and requesting removal of this inaccuracy during the investigation period.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year> started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year> and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year> and requesting removal of this inaccuracy during the investigation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year> started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year> and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year> and requesting removal of this inaccuracy during the investigation period.

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 2024-12-28 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have payments in XXXX, XXXX, XXXX and XXXX stating on XXXX XXXX website that they are missed payments despite not showing on MOHELA website that these payments in XXXX, XXXX and XXXX were paid in full. XXXX payment is completely missing. I have bank statements from my employer supporting that a payment was sent and received by MOHELA. I have not had missed or delinquent payments ever. I would have qualified for XXXX in XX/XX/year> but these payments are not qualifying because it states they are missing. 

XXXX reached out to MOHELA about missing XXXX payment- they stated to wait it out since they are in a transition. 
XXXX reached out to MOHELA and they said they received XXXX payment and to wait for XXXX payment to get posted. 
XXXX reached out to MOHELA about missing XXXX and XXXX payment- said to wait on the transition. 
XXXX called customer service and they stated to fill out a XXXX XXXXXXXX did so dated for XXXX XXXX reached out to MOHELA- was told to wait out XXXX XXXX XXXX XXXX XXXX out to MOHELA about missing payments for XXXX, XXXX, XXXX and XXXX. Told me to wait out for completion of XXXX XXXX XXXX XXXX completed starting XXXX, XXXX, XXXX and XXXX do not qualify due to missed payments and to file a reconsideration for XXXX. Filed a case with student aid. Was closed within hours with no response. Filed another case a few minutes after it was closed. 
XXXX called MOHELA customer service- was told they do not show that I have missed payments on their end and it shows XXXX payment was received. 
XXXX called XXXXXXXX XXXX  customer service was told they do not control anything and that it is the federal government- requested to talk to a supervisor and they already left for the day. Requested a call back with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-28 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
The problem is that I buy numerous items from a seller on XXXX where this person combines shipping fees on the items I purchase. I had to pay at the time for most of the shipping fees upfront and then this XXXX Seller would refund me the excess shipping fees which XXXX then reported to XXXX on my behalf. There is a total of XXXX credits with a total dollar amount of {$190.00} just sitting in my XXXX account. If you look at my account history, the last time XXXX reported these refunds/credits to American Express was back on XX/XX/XXXX, in which I received a {$8.00} refund/credit & also received a refund/credit of {$20.00}. For some unknown reason, my refunds/credits stopped being applied on my American Express Account starting on XX/XX/XXXX, as the first refund/credit that was not posted to my American Express account was back XXXX XX/XX/XXXX in the amount of {$15.00}. There are an additional XXXX refunds/credits like this XXXX and I have listed all of them below as well as have included copies of these refunds/credits from my XXXX account : XX/XX/XXXX XXXX {$15.00} ; XX/XX/XXXX = {$22.00} ; XXXX/XXXX/XXXX = {$11.00} ; XX/XX/XXXX = {$9.00} ; XX/XX/XXXX = {$23.00} ; XX/XX/XXXX = {$24.00} ; XX/XX/XXXX = {$20.00} ; XX/XX/XXXX = {$2.00} ; XX/XX/XXXX = {$0.00} ; XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$15.00} ; XX/XX/XXXX = {$6.00} ; XX/XX/XXXX = {$0.00} ; XX/XX/XXXX = {$19.00} for a total of XXXX Refunds/Credits totaling {$190.00} which I am asking American Express to collect this money from XXXX because XXXX is claiming that American Express already acknowledged receiving these credits but were never posted to my American Express account. I advised XXXX that my American Express account was not showing these refunds/credits on my American Express account XXXX XXXX advised me that they would request a XXXX to see where the money was, but when XXXX started the XXXX process, they closed out my complaint so I could no longer send messages regarding this issue and I have not been able to get this issue resolved with XXXX. I am also unable to resolve this issue with American Express as well. I mailed a dispute letter to American Express back on or about XX/XX/XXXX, and American Express has chosen to ignore this dispute letter which is unacceptable. Someone has this money, and the fact is I do not have this money which is my money, and I want it back now.

Company response to consumer: Closed with explanation