vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-08-25 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: TX

Complaint narrative:
I submitted a repayment plan XXXX, but Mohela placed me on XXXX XXXX and were dishonest and said I never sent the application. I have record that I sent them the request. Now my loans are jn forbearance, not by choice. 

They have lost all my documents related to my loan, making the excuse that due to transition to their new platform all my paperwork is unavailable. Really? So no records of the papwork I submitted since 2022? This is unacceptable. They also refused to recount my payments and apply my payments to 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 2024-08-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries on Credit Report Dear TransUnion Consumer Solutions XXXX XXXX am writing to formally dispute unauthorized credit inquiries listed on my credit report. 

XXXX. ) On XX/XX/XXXX, two inquiries were made by XXXX XXXX XXXX XXXX and XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiries were made by XXXX XXXX and XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX that I did not authorize. 

Federal Laws and Codes Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate information on my credit report, and you, as a consumer reporting agency, are required to verify the legitimacy of any disputed information. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be accessed. Since I did not authorize these inquiries, they are a violation of this section. Furthermore, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation to determine whether the disputed information is accurate and, if not, promptly delete it. 

Request for Immediate Action In accordance with these federal and state laws, I am requesting that these inquiries be removed from my credit report immediately. I have attached Federal Trade Commission ( FTC ) reports for each inquiry, which clearly state that I did not authorize these companies to access my credit information. I have also included a copy of my ID for verification purposes. 

As per the FCRA and applicable state laws, TransUnion is required to verify that these inquiries were authorized by me. If you can not provide plausible proof that I authorized these inquiries, they must be removed from my credit report without delay. Failure to comply with these laws may result in further action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities.

I trust that this matter will be resolved promptly. Please confirm receipt of this dispute and keep me informed of the actions taken. I expect a resolution within the 30 days as required by 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - FTC Report for XXXX XXXX XXXX XXXX  - FTC Report for XXXX - FTC Report for XXXX XXXX XXXX FTC Report for XXXX XXXX XXXX - FTC Report for XXXX XXXX Services - FTC Report for XXXX XXXX - XXXX of ID

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 2024-08-25 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
**Subject : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2024-08-25 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: CA

Complaint narrative:
XXXX : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 
XXXX. **Place a fraud alert : ** Place a fraud alert on my credit report to notify potential creditors of the data breach. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2024-08-25 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2024-08-25 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXg of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. {$400.00}, XXXX XXXX XXXX : {$600.00}, XXXX XXXX XXXXXXXX {$580.00}, XXXX XXXX XXXX : {$210.00}, XXXX XXXX : {$120.00}, XXXX FS XXXX XXXX : {$980.00}, XXXX XXXXXXXX XXXX XXXX : {$150.00}, XXXX XXXX XXXX : {$1600.00}

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demanded a cease-and-desist and opted out of credit reporting to XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists so they honored my request but did not remove my information and stop reporting to third parties my information still appears on the three credit bureau, XXXX XXXX Equifax and XXXX. XXXX has now implicated The three credit bureaus as parties is still reporting to these third parties after the cease-and-desist they said they honored. Whether unknowingly or not, this is a violation of the FCRA and XXXX has implicated the three credit bureaus, XXXX XXXX, Equifax, and XXXX in this violation now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is not taking me seriously about this account on my credit report. They keep saying it is verified as accurate, but not providing the information. On my end, the account owed states a different amount. Also, there are XXXX different numbers reported on this XXXX account. Past due balance is XXXX, but amount owed is XXXX. It does not make much sense 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 2024-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: WY

Complaint narrative:
I requested confirmation on the debt when XXXX XXXX XXXX called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being Speedy Cash and not XXXX XXXX XXXX. XXXX XXXX XXXX nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a cease-and-desist and opted out of reporting of my credit for XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists, but my information still appears on my reports In all three bureaus, XXXX, XXXX and Trans Union. XXXX banks refusal to Stop reporting To third parties after honoring the Cease and desist is now implicating the three credit bureaus, Trans Union, XXXX, and XXXX. Unknowingly or not, this is a willful violation of the FCRA per the three bureaus now as well as 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a cease-and-desist and opted out of reporting of my credit for XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists, but my information still appears on my reports In all three bureaus, Experian, XXXX and XXXX XXXX. XXXX banks refusal to Stop reporting To third parties after honoring the Cease and desist is now implicating the three credit bureaus, XXXX XXXX, XXXX, and Experian. Unknowingly or not, this is a willful violation of the FCRA per the three bureaus now as well as 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 2024-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I ordered XXXX XXXX XXXX game from an advertisement I came across on XXXX from the website www.battleputt.co. I placed the order for the XXXX items as it was a buy-one-get-one deal advertised on the website for {$59.00}. 

On XX/XX/year>, I received an email confirmation that my item ( order # XXXX ) had shipped via XXXX with tracking number XXXX ( can be found using XXXX XXXX ). 

On XX/XX/year>, I received the XXXX XXXX which was a small XXXX inch padded envelope that did not contain any of my items, but a piece of advertisement. I have been scammed and went to submit a charge-back claim with my bank, Bank of America XXXX The claim number from Bank of America is XXXX for the account ending in XXXX. On XX/XX/year>, I am following the claim status and see that the merchant 's transaction disputed my claim and Bank of America is following up. In the status update, it is noted that I have no actions at this moment and that the XXXX and their bank has XXXX days to respond. 

On XX/XX/year>, my charge-back claim was denied and closed by Bank of America since my order was fulfilled by the Merchant and was able to provide a tracking number. They used the guise of a tracking number to hide their nefarious intentions - I am providing pictures of the envelope that was sent to me instead of the items advertised and the resolution Bank of America provided on the claim. 

Additionally- shortly after I placed the order on XXXX, the website is no longer accessible. I also don't see how you can package XXXX XXXXXXXX XXXX sets into a single tiny envelop.

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 monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is an addendum for Complaint number : XXXX Briefly, the issue is that a XXXX XXXX credit card was added to my Wells Fargo Bill Pay account in mid XXXX and {$1900.00} was debited from my account to this card. I do not have an XXXX XXXX credit card, never have. Wells Fargo has determined that the debit was authorized by me. It was not. After asking severl XXXX reps about whether XXXX XXXX was contacted, I was told that they were, on XX/XX/XXXX. They did not share their findings but again denied my claim and closed my case. 
I talked with another Wells Fargo claims representative on Friday, XX/XX/XXXX and she informed me that XXXX contacted XXXX XXXX on XX/XX/XXXX and the notes in my flie reflected that in their contact with XXXX XXXX, XXXX XXXX could not provide any information as I was not on the line to provide consent. That was it and per the Claims rep, no other attempts were made to puruse this part of their " research ''. 
This claim, with the help of a bank manager I've been talking with said that she would see that the case is reopened with this " new information ''. 
I am at a total loss. I need your help in resolving this matter and holding XXXX accountable for their lack of investigatin and, in assisting me get my funds returned to me. Thank you. 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 monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo has not contacted me about there lawsuit and if Im receiving money from them

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
3 withdrawals from my checking using my ATM card we're not me and Chase says they will not pay because it was from an ATM. From what I understand they must pay. 

These are the transactions : XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} I contacted the bank on the XX/XX/XXXX. They sent a letter saying they don't pay a day later. ( Note Chase did not get my complaint right and left off {$160.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: WV

Complaint narrative:
Back in late XXXX of XXXX, I noticed an auto loan on my credit report. This is not mine, nor do I own a car with financing from XXXX XXXX. I always buy my vehicles with cash, and own them outright. THIS IS NOT MINE. 
I have reached out to XXXX 5 times now, and each time I receive the attached form letter back in the mail. 
I am at my wits end with trying to resolve this. 
Any suggestions on how I can get this removed from my personal credit reports?

Company response to consumer: Closed with explanation