vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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 have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, XXXX, and TransUnion for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, Experian, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I had paid off and closed my Pay Pal account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to Pay Pal saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told XXXX I didnt pay this closed account and took XXXX points that I worked hard to get and please contact XXXX to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that Pay Pal said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: OH

Complaint narrative:
I spoke with global lending services on Friday XX/XX/2023 and spoke with them in regards to why I fell behind and also gave them a date I would make a payment XX/XX/2023. As of today I have been attempted to be contacted an additional 3 times. On XX/XX/2023, XX/XX/2023 and today XX/XX/2023. Some on my phone number and some on my co-borrowers phone number. I made it very clear in my phone call on Friday that I know the laws, they have to wait to contact me, as well as they had threatened to report to the credit bureaus. The reason I had fallen behind was my father passed away and we had to help with end of life expenses and they were not willing to assist AT ALL! They stated they had options for me but offered NONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 7TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!! NOTHING IS BEING DONE I'M REPORTING THIS TO THE ATTORNEY GENERAL AS WELL MY LAWYER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.

Complaint narrative:
Good morning, I took out Direct Loans to pay for XXXX XXXX, with the express understanding from the university and the loan servicer ( NAVIENT ) that I would be eligible for Public Service Loan Forgiveness ( PSLF ). A year after I graduated I was advised by NAVIENT to consolidate my loans. This greatly increased the total amount to pay back ( currently ) {$250000.00}, but with the understanding that the total amount was irrelevant because I was told I was definitely eligible for PSLF, so any remaining amount would be forgiven and discharged after 10 years of payments. 

I've been working in XXXX XXXX XXXX for more than 12 years now, however only a few of my previous employers, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are considered eligible employers. At no point during the taking of the loans or the consolidation did DOE or the loan servicer indicate that the XXXX XXXX XXXX I was in would not be eligible. 

Today I have eight years of qualified employment, but recently took a job doing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  work for XXXX. Though the work is identical to direct hires and by all appearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my pay stubs come from a XXXX XXXX, XXXX XXXX and now XXXX. The XXXX XXXXXXXX, I'm told, is not a qualifying employer, so having come XX/XX/10 of the way to forgiveness, I'm now looking at a total of 20 years and or {$250000.00} to pay off. 

My loan was serviced and consolidated by NAVIENT but is now in the hands of XXXX. 

This exact same problem is widespread within our agency ( XXXX ) as thousands of employees receive their pay stubs from XXXX XXXX XXXX. Our Administrators XXXX XXXX and XXXX XXXX brought the issue to DOE and the President 's Office, but found no solution. Staff in my position were advised to contact DOE directly and ask for advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.

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 2023-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I called Planet Home and explained to them that the Loan sold to them was discharged in bankruptcy in XXXX, but they continue to send statements for payments and they bought the loan in XXXX, long after it was discharged in bankruptcy. 

When I tried to refinance my home they decline because Planet Home stated we never made any payment. The statement Planet Home sent to me was for XXXX. Now they are telling the mortgage company the balance is XXXX.and because of no payments the company refuses to ok the loan. The Loan was discharged by the court in XXXX for XXXXwho sold the loan to Planet Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXXXXXX {$29.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXXXXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I sent correspondence to Equifax in regards to myself being a victim XXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Equifax, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.

Company response to consumer: Closed with non-monetary relief