vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

I looked at my XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 2024-11-06 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX 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 1681 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 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 non-monetary relief
Consumer complaint received 2024-11-06 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: AL

Complaint narrative:
Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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 2024-11-06 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Security Finance violated both U.S. Code 6802 and the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681, which governs fair and accurate credit reporting. This code outlines my rights as a consumer to have accurate, fair, and fully disclosed reporting practices by institutions reporting on my credit profile. Security Finance failed to provide me with the option to opt out of the reporting of a charge-off associated with my account, which has impacted my credit score and standing.

Additionally, this failure by Security Finance constitutes a breach of : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which requires financial institutions to implement standards to safeguard consumer information. 

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), which mandates that institutions disclose their privacy policies, including any opt-out options available to consumers regarding information sharing. 


Under 15 U.S.C. 1681, institutions are required to follow stringent guidelines for accuracy and fairness when reporting to credit agencies. Security Finances reporting of the charge-off without an opt-out option undermines this code, as it restricts my right to manage how my personal information is shared

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
After discussing this with both XXXX and XXXX, heres what I know. I paid the loan off on XX/XX/year> with XXXX. XXXX attempted to consolidate the loans on XX/XX/year> and they also sent the full amount to XXXX on XX/XX/year>. When XXXX realized that the loan had already been paid off, they refunded the money to XXXX on XX/XX/year>. However, XXXX sold the loan to MOHELA on XX/XX/year>. I do not know where the money went from there. 
I have contacted MOHELA, sent them letters, uploaded documents as they requested, sent copies via certified mail. I have called - and it is never easy to reach them. I have currently been waiting for a representative for 1 hour and 14 minutes. At 53 minutes in, a representative finally answered, said she could not help and transferred me off to the nether regions, where I am still on hold. 
XXXX has provided me with documentation that the loan has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 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 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 explanation
Consumer complaint received 2024-11-06 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: GA

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 2024-11-06 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-06 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
You claim that I owe debt in the amount of {$110.00}, XXXX XXXX XXXX XXXX XXXX 

According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect. 

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I am owed a refund of {$670.00} from Mohala. They sent me an email on XX/XX/XXXX stating I was eligible for this refund because they did not give me enough notification before student loan repayments restarted in XX/XX/XXXX. I am eligible for a refund for payments I made in XXXX, XXXX, and XX/XX/XXXX. It has now been five months and I have not received this refund. I submitted a previous, CFPB complaint response was that they would look into seeing whether I was eligible for this refund. That is an unsatisfactory response considering they were the one who emailed me and told me I was eligible for this refund in XX/XX/XXXX. I want my money back. This is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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 have repeatedly asked these credit agencies to stop reporting these accounts due to identity theft. XXXX, XXXX, and Transunion. They refuse to do so even after providing my FTC identity theft 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 2024-11-06 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: FL

Complaint narrative:
I have repeatedly asked these credit agencies to stop reporting these accounts due to identity theft. Experian, XXXX, and XXXX. They refuse to do so even after providing my FTC identity theft 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Reviewing my credit report, I identified several accounts that appear to have been added without my authorization and are inaccurate. Please take steps to block and remove these fraudulent accounts at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, which has greatly impacted my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I am a victim of credit theft and discovered fraudulent accounts on my credit report. I promptly requested that these accounts be removed by the credit bureaus. However, while some credit bureaus removed the fraudulent accounts, others did not. Some bureaus did not conduct a proper investigation or reach out to the credit card issuers to verify the fraud. This inconsistent handling has left some fraudulent accounts active on certain reports, negatively impacting my credit score and financial standing. 

I have taken the following actions : Contacted each credit bureau to dispute the fraudulent accounts. 
Sent documentation proving the theft and requesting removal. 
Attempted to follow up on the investigation, yet some bureaus failed to provide updates or communicate with the credit card companies involved. 
The unresolved accounts are impacting my credit score and limiting my ability to access credit and other financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am contacting you regarding accounts listed on my credit report that have been charged off or otherwise written off by your company. Under IRS regulations, specifically the Internal Revenue Code ( IRC ) 6050P, any creditor that cancels or writes off a debt of {$600.00} or more is required to issue IRS Form 1099-C to the debtor for reporting purposes.

As of this date, I have not received Form 1099-C for any charged-off accounts related to your company. To comply with my tax reporting obligations, please promptly issue this form or confirm whether no such cancellation of debt was reported to the IRS.

If your company failed to report this cancellation of debt and subsequently did not issue Form 1099-C, this may constitute incomplete or inaccurate reporting on my credit, which may also fall under Fair Credit Reporting Act ( FCRA ) regulations. 

Please provide the requested documentation or confirm that these accounts were not canceled and no debt forgiveness was reported. Your prompt attention to this matter will enable me to fulfill my obligations with accurate and complete information. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NY

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. 

I looked at my XXXX 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 And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX 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

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