vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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:
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. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NJ

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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NC

Complaint narrative:
In XX/XX/year>, EdFinancial alerted me that I was required to apply for IDR recertification for my IBR plan. I can not stress enough that I am not and have never been involved with the SAVE plan.

Given this urgent message, I ignored what I saw in the news and recertified my IBR plan on XX/XX/year>. I then received a message on XX/XX/year> that I had received an extension to recertify my plan but since I had recertified my plan as they initially demanded that I do, I was immediately placed in administrative forbearance and can not continue to make payments towards Public Student Loan Forgiveness. I was also not going to be placed in processing forbearance, which would be a period to 60 days during which I accrued interest on my loans. This was frustrating, as I had only six payments left toward the program at that time and if placed in processing forbearance, that would count as two additional payments.

I called the same day and requested that I withdraw my IDR application, since I am not requesting a different or new plan and have not ever been in SAVE. After I explained the importance of this ( mainly that I wanted to make the six payments left for the PSLF program ), they initially agreed and sent me a XX/XX/XXXX statement. 

However, on Saturday, XX/XX/year>, they sent a message that they were again skipping the processing forbearance and immediately placing me into administrative forbearance as if 60 days had passed since I initially sent in my IDR recertification at their faulty demand.

I was unable to call, as it was a Saturday, but I called that Monday, XX/XX/XXXX, and again requested that I be taken out of forbearance. They alleged that they could not rescind my request for forbearance and that there was nothing they could do. I asked about the designated processing forbearance time and they again simply indicated that there was nothing they could do. They simply stated that they were placing anyone who followed their direction and attempted to recertify their non-SAVE plan into administrative forbearance without any processing forbearance indefinitely until the SAVE litigation was resolved.

I reiterated that I am not on a SAVE or even a PAYE plan and have always been on the statutory IBR repayment plan. They reiterated that it did not matter. I asked them whether I was simply in this predicament because they asked me to recertify when I did not have to and they admitted that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$5800.00} XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXX - {$0.00} Late Payment XXXX XXXX - XXXX - {$140.00} XXXX  XXXX - XXXX - {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: KY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I viewed a copy of my consumer report and noticed unauthorized accounts and unauthorized inquiries I didn't authorize. MY SOCIAL SECURITY HAS BEEN COMPROMISED. I FILED A IDENTITY THEFT REPORT # DELETE UNAUTHORIZE AND FRAUDULENT ACCOUNTS AS MY CREDIT IS VITAL TO MY LIVELIHOOD- THIS IS MAKING ME VERY SICK AND STRESS.I HAVE TO TAKE MEDICINE. ALL OF THESE ARE UNAUTHORIZE SEE ATTACHED OTHER ACCOUNTS XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXAccount info Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I viewed a copy of my consumer report and noticed unauthorized accounts and unauthorized inquiries I didn't authorize. MY SOCIAL SECURITY HAS BEEN COMPROMISED. I FILED A IDENTITY THEFT REPORT # DELETE UNAUTHORIZE AND FRAUDULENT ACCOUNTS AS MY CREDIT IS VITAL TO MY LIVELIHOOD- THIS IS MAKING ME VERY SICK AND STRESS.I HAVE TO TAKE MEDICINE. ALL OF THESE ARE UNAUTHORIZE SEE ATTACHED OTHER ACCOUNTS XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXAccount info Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX Inquiry date XX/XX/year> XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To whom it may concern, I've tried for 5 months now to get Equifax to release my consumer report, but have been unsuccessful. Whenever I either login online or try to apply for anything, my Equifax credit report is showing not available. I've tried over 20 times to call into their support line, but i alway get transferred to the XXXX and the customer service reps are unable to fix the issue. I've been in need of an automobile for 5 months now and it's causing me lots of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NJ

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal.

The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: KY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Charge Off XX/XX/XXXX- {$1500.00} Late PaymentXX/XX/XXXX- {$30000.00} XX/XX/XXXX - {$0.00} Bankruptcy XX/XX/XXXXXXXX Bankruptcy - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I called Experian many times at many contact numbers found on the Experian consumer and business contact pages. A non-exhaustive list of numbers I have tried : XXXX XXXX XXXX XXXX XXXX Every single option led me to being disconnected. Even when speaking with a human, the human would transfer me to one of the aforementioned numbers only to be disconnected.

My situation is this : I sold a business last year, the business is being billed XXXX XXXXmonth on a credit card that I still have ( from when I owned the business ). I am trying to cancel paying for a service that Experian provides for a business that I no longer own nor have access to ( email, phone number, etc ).

I explained this situation very clearly to two separate customer service representatives at Experian, both times I was disconnected. The first, I was hung up on. The second, after providing me with a " direct line '' which was not a direct line, ( he said to contact him call XXXX XXXX, this is actually a computer-driven number and I was hung up on because I could not verify the business that I no longer own ) and then he quickly transferred me to another computer-driven number and I was hung up on because I could not verify the business that I no longer own.

At this point I have deemed it impossible to resolve this situation. I challenge you, Experian, to prove me wrong. In the meantime, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, I am writing to follow up on my initial dispute submitted on XX/XX/year>, regarding the inaccurate reporting of late payments for account # XXXX. Despite the passage of time, no corrective action has been taken, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ), which mandates timely and accurate investigation.

Disputed Late Payments In my Equifax report, this account inaccurately reflects 30-day, 60-day, and 90-day late payments for the months of XXXX, XXXX, and XX/XX/year>. These entries are incorrect and damaging to my credit profile.

FCRA Violations and My Legal Rights 15 USC 1681i ( a ) ( 1 ) : You are obligated to investigate disputes promptly and ensure accuracy.

15 USC 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy when including information on a consumer 's report.

15 USC 1681i ( a ) ( 7 ) : You are required to provide me with a detailed description of the procedures used during the investigation of this dispute.

Supporting Information Provided For your reference and verification, I have included : A copy of my government-issued ID My Social Security Number for identification purposes My address verification A copy of my current credit report Formal Demands Immediate Deletion/Correction : If you can not provide documented and verifiable proof of the alleged late payments, I demand this account be updated to reflect : " Paid As Agreed, Never Late. '' Detailed Explanation : Provide a comprehensive description of the investigation process, including how the information was verified, as per 15 USC 1681i ( a ) ( 7 ).

Adherence to Timelines : I expect a response and resolution within the 30 days required by the FCRA.

Failure to comply with these legal obligations will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek further remedies available under the law, including litigation for noncompliance.

I trust you will treat this matter with the urgency and seriousness it deserves. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I am eligible for Public Service Loan Forgiveness ( PSLF ) having worked for non profit organizations for the last 20 years. I applied for PSLF completing and submitting all the necessary paperwork. It took months for Mohela to respond and when they did, they only credited part of my eligible service omitting, for example, my five years of XXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted the information and enlisted the help of my Congresswoman 's ( XXXX XXXX ) office. Even they couldn't get a timely response. Finally more months into this process XXXXXXXX XXXX  office got a response stating Mohela would get in touch with me. Mohela then began sending me notices, that I had no payments due, XXXX XXXX of the over XXXX XXXX had been accepted and forgiven, but Mohela didn't have information on the additional services ( XXXX, XXXX XXXX XXXX XXXX, etc. ). Then Mohela began sending me notices that the amount due had increased another XXXX XXXXXXXX! I can never get in touch with a person at Mohela. My last conversation with the US Dept of Ed which has taken over Mohela 's accounts advises me to resubmit all the information again and/or get in touch with Mohela to try to get answers and register my complaint. 
This is ridiculous! As a XXXX XXXX with over XXXX XXXX that should be forgiven, Mohela has done nothing to dispense with my loans which should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation