vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am refiling this complaint to CALIBER HOME LOANS, IN for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I was advised by MOHELA that in order to qualify for PSLF, I needed to consolidate the loans I had and choose a certain repayment plan because one of my loans was not on the correct payment plan. Given that I was told that the payment count on my loans likely would not occur until XXXX, on XX/XX/XXXX, I applied to consolidate the two loans. 
On XX/XX/XXXX, I received notice ( Review completed email ) that the payment review was completed. Based on the review, I had made 120 payments on one loan and needed to make 13 additional payments on the second loan which I was initially told did not qualify for forgiveness because of the re-payment plan ( XXXX XXXX XXXX ). 
I immediately called MOHELA to find out how the consolidation would affect the count and if I could I stop the consolidation and was told that they could not stop it. The new loan has been placed in a repayment status and I now have 0 qualifying payments. I have reached out to the Ombudsman on Student Aid.gov on three separate occasions and no one has responded as of today. I do not know where else to turn. I am not getting any help from MOHELA and StudentAid.Gov will not respond to my inquiries. I only consolidated the two loans was because MOHELA told me that consolidation would be the only way I could qualify for PSLF which clearly was not the case, as evident by the XXXX XXXX XXXX document. My loan balance has increased due to the unnecessary consolidation. 
I received notification date XX/XX/XXXXXXXX XXXX XXXX  that I do not qualify for PSLF. I really need resolution here as I am now facing {$1100.00} monthly payments and rapidly incurring interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
There has been an inaccuracy on my credit report due to someone unauthorized inquiries, In Accordance with the FCRA section 611 for inquiries the following companies violated my consumer right. I do not authorize none of the inquiries listed below please kindly investigate and remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 2024-01-23 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # 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 to a consumer to any consumer reporting agency of 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 2024-01-23 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-01-23 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-23 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: GA

Complaint narrative:
I have hard inquiries that I do not recognize. 
I would like them to be removed, please.

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 2024-01-23 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency. 

The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate. 

According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. 

I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. 

Thank you for your cooperation in addressing this matter expediently.

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 2024-01-23 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency. 

The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate. 

According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. 

I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. 

Thank you for your cooperation in addressing this matter expediently.

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 2024-01-23 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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: MO

Complaint narrative:
5th closed complaint without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I received a phone call from their I listen to a person for XXXX and a half hours and a new dept relief program. He stated his name was XXXX and I previously spoke with him before where I paid XXXX to get balance transfer cards and credit accounts transferred to new XXXX  interst cards. He stated that it was a company called consumer credit group. All went well Later in XX/XX/ he called again stating that he was now in a different department promoting a new program DRP or debt relief program. I listened and after XXXX XXXX I was again convinced to participate. I was asked to pay XXXX to eliminate XXXX or more in credit card debt. He charged me but after that I was told to wait XXXX XXXX and on XX/XX/XXXX he would call to start eliminating process as long as I was current on all payments. I have really trusted this because we had felt with this program was legitimate. Well I was very much lied to because this person stopped contacting me and I tried to contact only to get a in known number or an operator  service that is never answered by a operator but by the person I talked to to begin with.the numbers I have are consumer credit group XXXX. XXXX XXXX XXXX. XXXX. XXXX DRP. And XXXX. XXXX gave to me as a bew contact number. Now I filed XXXX disputes with XXXX different XXXX XXXX companies. XXXX XXXX XXXX, XXXX XXXX, and XXXX. Was of now XXXX  XXXX XXXX and XXXX one has started investigating and refunded to monies. XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. But XXXX  XXXX budge I dont even feel that they have even conducted a proper investigation I sent a XXXX page hand written letter and after several calls about the dispute I was told they was scammed and they wont cover the XXXX transaction I have called again and again and XXXX  XXXX be crooked now I was lied to please help me. 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 monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one agent enrolled me into payment program offering up to $ XXXX  monthly payments and then they took over {$1800.00} from my account.Entire conversation was recorded .I demanded my refund they stopped responding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data

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 2024-01-23 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: KY

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT.

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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages.

FALUIRE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESOLT IN LITIGATION TAKEN AGAINST YOU. 


Sincerely, Thank you

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 2024-01-23 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: VA

Complaint narrative:
On XX/XX/year> I requested verification and validation of debt being reported by XXXX XXXX XXXX. The credit bureau failed to take action in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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