vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: MD

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-11 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: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the XXXX stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the XXXX stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXXXX/XX/XXXXUniversity. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX University, I was able to file a XXXX XXXX claim with the XXXX. of XXXX against XXXX University, and myXX/XX/XXXX were XXXX and my credit repaired. 

My XXXX XXXX XXXX was also part of theXX/XX/XXXXXXXX settlement for which I am a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XX/XX/XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XX/XX/XXXXmonths or more during a " specific '' time frame, were excluded. Furthermore, Navient has been sued at least a half dozen times for other predatory loan practices and illegal collection practices. 

When attending XXXX University, I was aggressively pushed towards dealing only with Navient ( then XXXX XXXX ). I was told by XXXX University that they could only assist me in the process if I went with Navient, and that I was entirely on my own if I chose another lender. This is the sole reason that most of my private student loans are with Navient, who has proven to be fraudulent and predatory. 

I am also aware of a XX/XX/XXXX by which Navient is sending out applications to select students who may have filed XXXX XXXX claims against their schools and were approved. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
What happened : Unmailable addresses, specifically XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX in violation of the Fair Credit Reporting Act ( 15 USC 1681 ), persist on my credit report despite multiple attempts to rectify the issue with the credit reporting agencies. These addresses have no association with me and are causing confusion regarding my creditworthiness.

Actions Taken : - Reviewed credit reports from all major bureaus.

- Identified unmailable addresses listed, a violation of 15 USC 1681c.

- Disputed addresses with credit bureaus, as per 15 USC 1681i.

- Filed a report with the Federal Trade Commission ( FTC ) regarding the inaccuracies.

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: MO

Complaint narrative:
On XX/XX/year> I received a letter in the mail dated XX/XX/year>, reference # XXXX, stating that " there is an account under my name with XXXX XXXX  with account number XXXX. '' That is completely inaccurate, and is absolutely fraudulent and criminal activity. I have never opened an account with " XXXX XXXX  '', nor have I ever heard of that " bank '' before. I wish to formally dispute this fraudulent claim as I do not have a debt or account with " XXXX XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
The trade line from XXXX XXXX was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over XXXX  days ago. XXXX  continuously certifies to Experian that a balance exists where there is none. On the phone with me personally, XXXX said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and Experian refuses to acknowledge the fraud XXXX is committing. XXXX appears to be holding my credit hostage maliciously. Please help! Thanks

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 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I went through a lawyer 's office in XXXX, Indiana for a debt from Citibank that is being handled by Calvary LLC but, with a law firm XXXX and XXXX. I made a couple of settlements, I tried to reach the company by phone and got no answer. I was making payments in fact, this year I have given their law firm a total of {$2400.00} this year close to that amount last year. When I got a balance from my law firm the balance was over {$6300.00} ; However, the balance was {$4800.00} ; with the money that I am paying, I believe I am almost finished paying the debt off. The law firm hasn't accounted for the monies that I have already payed and my attorney has withdrawn from the case and now I have to find a new attorney or represent myself. When I read the reviews on XXXX and XXXX, there were other defendants who had the same problem with this law firm acting as a debt collector.. I believe their tactics go against the FDCPA. What they want to do is garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
A debt collector continuously calls me at least XXXX times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 

I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying 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 2024-05-11 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:
What happened : Unauthorized hard inquiries are appearing on my credit report, violating several provisions of the Fair Credit Reporting Act ( FCRA ).

Actions Taken : - Reviewed credit reports from all major bureaus.

- Identified unauthorized hard inquiries listed, a violation of 15 USC 1681b.

- Disputed inquiries with credit bureaus, as per 15 USC 1681i.

- Filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized inquiries.

Unauthorized Hard Inquiries : XXXX. XXXX  - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX  - Date : XXXX Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.

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 2024-05-11 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: TN

Complaint narrative:
A hard inquiry regarding a XXXX XXXX XXXX XXXX has been added back to my credit report via Experian and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX  months. The inquiry is dated XX/XX/XXXX of 2022.

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 2024-05-12 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: OH

Complaint narrative:
As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

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 2024-05-12 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: OH

Complaint narrative:
As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank - XX/XX/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  Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

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 2024-05-13 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I should have already received my {$500.00} promo for qualified transactions and the fine Ive had the account I have contact the bank even spoke to a manager which she has horrible customer service skills, she was unknowable and did not provide a resolution. 
I should have not have to make time to contact this bank to fix their issues and when I have the bank has not been able to. Fix it. 
Its a simple issue that it should have already been fixed.

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 2024-05-11 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: TX

Complaint narrative:
TransUnion was Advised they were reporting frivolous names And addresses, agent was unable to verify my identity stating that I will need to send my Social Security card through the mail, I refused asked it was another way, call disconnected

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 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-11 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:
XXXX XX/XX/year> request for the inquiries to be deleted XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XXXX XXXX XXXX XXXXXX/XX/year> request inquiries to be removed XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XX/XX/year> requesting that all these inquiries be removed Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( XXXX, XXXX, TransUnion )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XX/XX/2023 request for the inquiries to be deleted XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XXXX XXXX XXXX  XX/XX/2023 request inquiries to be removed XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XX/XX/2023 requesting that all these inquiries be removed Was any personal information wrong in your credit report?

When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Credit inquiries on your report that you don't recognize

Company response to consumer: Closed with explanation