vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was an actual victim of credit card theft. The Amount owed is nearly XXXX dollars. I disputed with the credit card company but they refused to grant me the money back dispute the fact that Ive had to file a police report and even go to court and the guy even admitted to doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
XXXX take off the missed payments and negative utilization for any charge off accounts and XXXX credit card missed payments. I never missed any payments and XXXX uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
TransUnion, as of today XX/XX/2023 you have 3 days XXXX to take these no. Account holding inquiries off of my credit account credit report and on the XXXX charge off accounts under XXXX XXXX XXXX my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
XXXX, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unit XXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of XXXX party theft of my private and public information! XXXX filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation 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 non-monetary relief
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the sudden appearance of a fraudulent account on my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of an unauthorized account that is negatively impacting my XXXX XXXX. 
Below are the details of the fraudulent account : XXXX XXXX PLEASE DELETE!!!! 
I have attached copies of relevant documents supporting my claim, including but not limited to a copy of my identification, proof of residence, and any other documentation that XXXX assist in your investigation. I did not open or authorize this account, and it has been listed in error on my credit report. I am formally requesting an immediate and thorough investigation into the matter and the removal of this fraudulent account from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to conduct a reasonable investigation into the accuracy of the information on my credit report. Remove the fraudulent account from my credit report. I also request that you provide me with a corrected copy of my credit report once the investigation is complete.

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 2023-12-12 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
discover request tax documents due to routine identity verification. 

called into discover to get this issue immediately resolved as to i dont file taxes, was told to file a form at the local bank and have notarized, i was sent the form, and i saw where there was only ONE SPOT TO ENTER ONE ACCOUNT. and i explained i have TWO WITH THE SAME BANK. and was told to just combine and upload both statements. 


which i did. 


i was then told that the paper the bank filed out was improper to have it resubmitted, and i did this, now the second time, and i uploaded my statements again! now XXXX bank statements which clearly back my verification of income and identity, than i was told that the employee that told me this information about combining accounts was incorrect and that i was now out of time and my account was to set to be closed but i could go to the bank OR A UPS STORE NOW FOR THE third time and just upload XXXX set of bank statements for XXXX account. which i did. 


now my account is closed and getting no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

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 2023-12-12 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:
his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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:
his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX-XXXX  XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX 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 2023-12-12 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: WI

Complaint narrative:
XXXX XXXX It reflects XXXX late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from August 2023-December 2023, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my XXXX XXXX would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect XXXX late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, XXXX XXXX would not be affected, and they would not report any negative action to the credit bureau. July 2023-September 2023.

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 2023-12-12 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: TN

Complaint narrative:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by XXXX CFR XXXX and XXXX XXXX XXXX. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with XXXX party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 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 2023-12-12 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: TN

Complaint narrative:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-12 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: OR

Complaint narrative:
Mohela did not notify me the required 21 days in advance of payments resuming in XXXX. I contacted them via email on XX/XX/XXXX to inquire about my payments resuming and to make sure that this delay was not going to affect XXXX counting toward my PSLF. I did not receive a reply until XX/XX/XXXX and it just said to call Mohela. I had received a letter too that gave my payment amount and estimated my SAVE plan start date to be XX/XX/XXXX but still payments were not resumed on the site even though I am enrolled in auto pay. There was an estimated 80 min wait time on the phone, I received a call back about an hour after I placed the call. The servicer stated that my payments werent resumed because I was in an administrative forbearance until XXXX ( 17 years from now! ). They could not tell me whether I was in a forbearance in which the months still counted toward PLSF. I requested that XXXX and XXXX be counted toward PLSF since Mohela is at fault for the delay and did not resume my payments in time. They replied that this is not possible since I didnt make payments for these months, but I was never notified of my payments resuming and in fact, Mohela never resumed them. My payment amount is also incorrect on the website, I received a letter stating my payment was {$590.00} and on the site my payment amount says {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION AND PLEASE UPDATE THE ACCURATE ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
I am having problems trying to sign onto my established account at TransUnion. And the customer service ( telephone ) is problematic - It asks too much personal information, and it is serviced by people outside of the United States of America - such as XXXX XXXX. This is dangerous. 

I want my information immediately removed from their records. I am also following up with my representatives.

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