vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXX, TN, XXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using Metro 2 Compliance Codes for handling identity theft cases : XXXX Disputed information provided by the consumer XXXX Fraudulent information ; action required for verification XXXX Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry.

2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report.

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-31 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 suppose 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 non-monetary relief
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-10-31 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:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 suppose 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-31 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: FL

Complaint narrative:
Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a credit card with Citi Bank on XX/XX/year>, and during the process, a technical glitch occurred, resulting in multiple application submissions. This was unintentional and outside of my control. Due to this error, Citi Bank declined my application, but a hard inquiry was still recorded on my credit report. I am requesting the removal of this inquiry, as it was an unauthorized result of a technical issue.

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 2024-10-31 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:
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 2024-10-31 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: DE

Complaint narrative:
Mohela keeps misplacing my payments. 

Account number : XXXX I am writing regarding a critical issue with a payment I made for my account. The payment of {$290.00}, due on XX/XX/XXXX, was processed from my bank account, sent on XX/XX/year>, and successfully delivered on XX/XX/year>. However, this payment has not yet been credited to my account. I have uploaded proof of payment from my bank for the XXXX and XXXX payments to Mohela several times for your review. They keep asking me to submit proof of payment, which I have done many times. 

Please help me investigate this issue and ask Mohela to trace the XXXX payment to ensure it is correctly applied to my account. Furthermore, I must emphasize the seriousness of this situation as Mohela 's failure to resolve these matters could lead to Mohela, reporting negative information to credit agencies due to an error on their part. 

Thank you for your immediate attention and help to look into this matter. I look forward to hearing from you. 

Sincerely, XXXX XXXX Mohela Account Number : 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 2024-10-31 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a revolving account opened at XXXX XXXX opened XX/XX/XXXX, an account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a XXXX XXXX account XXXX XXXX XXXX, a account at XXXX XXXX opened on XX/XX/XXXX, and a XXXX XXXX account on XXXX XXXX. I also noticed the addresses and names on the account are also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you ( EQUIFAX ) were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized accounts found on my reportrequest prompt action to block and remove these errors.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a late fee charged to my account XX/XX/24 in the amount of {$30.00} and interest in the amount of {$3.00}. I requested the fee be waived via a secure message to Citicard 's customer service. I thought that had been taken care of but realized it was not when I was charged another late fee of {$33.00} on XX/XX/24 and interest in the amount of {$.00}. I contacted Citicards on XX/XX/24 to again request one of the fees be waived. That request was again denied but I was given a number to call to speak with a XXXX. On XX/XX/24, I called XXXX and requested a XXXX. I rep said he would look into it for me after which he said again, he couldn't do anything for me and that I needed to pay the entire balance of {$68.00}. I told him I am willing to pay one of the fees but it feels like getting a late fee charged for a previous late fee is both unethical and illegal. He said sorry but nothing he can do. I unfortunately was not given the opportunity to speak to a XXXX. I also find it odd that the late fee for the month of XXXX was exactly the same amount as my balance from 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 2024-10-31 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company 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 2024-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kikoff Inc.
State: NY

Complaint narrative:
I advertises for credit builder, but I asked to cancel it and they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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 formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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 formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/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 2024-10-31 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: TN

Complaint narrative:
Inquiry or late payment too many inaccurate information on my File and asking them to investigate or remove Them

Company response to consumer: Closed with explanation