vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX Transunion : XXXX, XX/XX/XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

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 2023-11-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

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 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring oaks capital LLC. Has stolen my personal information. I have no contract with Spring oaks capital LLC. and I have never given them any personal information of mines. How did they obtain my personal information? Spring oaks capital LLC is reporting illegal and unauthorize personal information on my credit report. Spring oaks capital LLC is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given Spring oaks capital LLC Notice letters of dispute, Opportunity to cure and opt-out request. Spring oaks capital LLC refuse to perform based on law. Spring oaks capital LLC. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet I continue to harass with illegal reporting and court cases that I never agreed to or authorize this use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NC

Complaint narrative:
My loan servicer is MOHELA. 
My first loan payment after the COVID pause was supposed to be due on XX/XX/XXXX. I was enrolled in auto debit which decreased my interest rate. This was a weekend, so I expected a delay. When I checked my account, my loans had been placed in forbearance with no information about why they were placed in forbearance. Although my loans had been placed in forbearance, my payment was still withdrawn from my bank account on XX/XX/XXXX I then received a notification from MOHELA on XX/XX/XXXX that was back dated to XX/XX/XXXX stating that my loans had been placed in an administrative forbearance. I did not want my loans in forbearance as I am in an income based repayment plan with plans to qualify for public student loan forgiveness and the forbearance was adding interest to my loan and extending the period of time I would have to pay. It also made the payment that was withdrawn from my account on XX/XX/XXXX not count as a qualified payment. 
I called MOHELA multiple times that week. XX/XX/XXXX was a holiday so no one was available to talk. XX/XX/XXXX I was on hold for over an hour and had to go to work. I was finally able to reach someone on XX/XX/XXXX. I spoke with a service representative who confirmed that a payment had been received, my loans were in forbearance and because of this forbearance my payment would not count towards my PSLF payment. I asked for the forbearance to be removed and my payment to retroactively count and he filed a request and reassured me that this was possible and would be complete in about 10 business days. Of note, I also sent a message to MOHELA through their website on XX/XX/XXXX ( because I had been unable to get through via telephone ) that I did not want my loans to be in forbearance. 
I continued to watch my loans and they remained in forbearance. I sent a follow-up message on XX/XX/XXXX that stated I spoke with a customer service representative and said representative had requested my loan be taken out of forbearance. I provided the request ID that was given to me by the customer service representative. 
I called MOHELA back on XX/XX/XXXX and the person I spoke with was able to see my prior request and promised that my loans would be out of forbearance before my next payment due date ( which should have been XX/XX/XXXX ). They confirmed that I would be re-enrolled in auto debit and my payment would go through on XX/XX/XXXX. 
It is now XX/XX/XXXX. My loans are still in forbearance. No money was taken from my account. No one has responded to either of my messages on the online portal ( sent XXXX and XX/XX/XXXX ). MOHELA continues to have wait times that are prohibitive to resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Portfolio Services, LLC
State: MD

Complaint narrative:
I paid off a debt on XX/XX/2023 to XXXX XXXXOrion Portfolio for a total of XXXX. I pay off later was emailed to me. I sent this pay off letter and removal request/dispute to XXXX via certified letter. My request was denied, reporting as still active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank credit card dept double Charged my credit card in XX/XX/2023 and after XXXX weeks and many efforts on my behalf the false transaction have not Clear from my account ( bank fraud? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-11-07 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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-11-07 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Please help me with a refund for card ending in XXXX from XXXX for {$97.00}. Because XXXX XXXX XXXX XXXX charged me {$120.00} on the same card for a one night stay on XX/XX/XXXX and the people at XXXX sounded confused this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: LA

Complaint narrative:
Delete Hard Inquiries ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Transunion : 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 XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX XXXX, has violated my rights .

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

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 2023-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXXifax : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, Equifax, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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  Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, XXXX, and Experian data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it 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 explanation
Consumer complaint received 2023-11-07 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:
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 - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Take a look at the attached documents. I'm urging the bureau to commence an investigation into these accounts, where I have a perfect payment history, yet they are incorrectly indicating that I am late.

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 2023-11-07 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:
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 XXXXXXXX has violated my rights. Or a list of inquiries : 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