vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DEPARTMENT OF EDUCATION XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : EDUCATION DATE OPENED : XX/XX/year> STATUS : PAYMENT/DEFAULT BALANCE : {$8900.00} ORIGINAL BALANCE : {$6400.00} I am writing to request loan forgiveness due to severe financial and economic hardship. Over the past few years, my financial stability has been significantly impacted by circumstances beyond my control. 

Caring for an elderly family member with extensive medical needs has placed an enormous strain on my finances. In addition, the lingering effects of the XXXX pandemic have further exacerbated my financial challenges, making it impossible to meet the growing balloon payments on my loan. 

Despite my best efforts to manage my obligations, my current situation has left me unable to make these payments without causing undue hardship. I have explored alternative options and spoken with creditors where possible, but my financial recovery remains ongoing and uncertain. 

I am requesting your understanding and consideration for loan forgiveness to help alleviate this burden. Forgiving this loan would provide much-needed relief and allow me to focus on regaining stability during these challenging times. 

Thank you for your time and consideration of my request. Please let me know if additional information or documentation is required. I am willing to provide any necessary details to support this request.

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 2024-12-05 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: TX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by Equifax for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
Account Details ( Equifax ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : -- Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Loan Two-Year Payment History : XX/XX/year> : 30-day late payment ( erroneous ). 
Requested Resolution : I request that Equifax investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
Ive found hard inquiries on my credit report that I did not authorize. Under 15 USC 1681c-2, I request their removal to prevent further credit harm.

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 2024-12-05 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Unauthorized hard inquiries from Capital One have appeared on my report ( 4 total ) unknowingly. I did not authorize anything from Capital One and I know nothing about these inquiries and would like to have them removed immediately. I disputed the 4 hard inquiries over the telephone with XXXX and will like to have these items deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by Equifax for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
Account Details ( Equifax ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : -- Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Loan Two-Year Payment History : XX/XX/year> : 30-day late payment ( erroneous ). 
Requested Resolution : I request that Equifax investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: IL

Complaint narrative:
I called Experian to dispute my name being on my credit report 4 different times with different identity numbers on each name. I asked them to remove 3 of the names, however, they said thats my name and that they will not remove it. The only name that I allow on my report is XXXX XXXX XXXX. The other 3 names need to be removed because I only have one name. Not four names.

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 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing in response to a collection notice I received regarding the account # referenced XXXX. I dispute the validity of this debt and request that you provide proper validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws. 

I have noticed that the account is being reported inaccurately as a " past due balance '' on my credit report, which I believe is a violation of my rights as a consumer. This inaccuracy is negatively impacting my creditworthiness and causing harm to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
Hard inquiries I didnt authorize are harming my credit and violating 15 USC 1681c-2. I ask for their immediate removal from my 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 2024-12-05 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: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently opened using my personal information, which was compromised due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} XXXX. BANKCRUPTCY - XX/XX/XXXX - XXXX - {$00.00} XXXX. BANKCRUPTCY - XX/XX/XXXX - XXXX - {$00.00}

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I called XXXX to dispute my name being on my credit report 4 different times with different identity numbers on each name. I asked them to remove 3 of the names, however, they said thats my name and that they will not remove it. The only name that I allow on my report is XXXX XXXX XXXX. The other 3 names need to be removed because I only have one name. Not four names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Indie Technology DBA Found
State: GA

Complaint narrative:
An unauthorized transaction appeared on my account and sat as a pending charge for several days. 
The company XXXX XXXX XXXX XXXX is not a company I have ever done business with, ordered from or authorized any transaction with. 
XXXX XXXX XXXX XXXX also made 2 additional attempts to charge more to my account without my authorization- but was declined due to insufficient funds. 
Found bank have refused to escalate this, and refused to reimburse me - for reasons I am not sure of. 
I did not authorize this charge, and thinking my card may have been compromised, I immediately cancelled it and ordered a new one, which has still not been received. 
I have never had a company more unwilling to really take a look at what I was saying in my email enquiries to them. 
Every other bank accepts that fraudulent charges occur, and there is typically no issue with the funds being reimbursed to the account holder. This is the first time I have ever experienced this kind of lack of accountability from a bank. 
The transactions in question are attached to this message below. 
Given their policy - I doubt I will continue with them as a customer unless their policy changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired for this. I'm gon na go to court.

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 2024-12-05 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: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reportingstandards therefore the data in my report can not be accurate and complete! Withthat said, I refute your allegations and challenge you to provide proof that you havethe right to report this incomplete negative information about me. Document thatyou have complied with the reporting requirements, and report without anydeviations. If you have not complied with the requirements or there are any negativeaspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumerreport it shall follow reasonable procedures to assure maximum possible accuracy ofthe information concerning the individual about whom the report relates. Accordingto 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish informationconcerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C-Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANY. Please delete the following unknown account : XXXX XXXX XXXXXXXX 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