vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: EQUIFAX, INC.
State: AL

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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 XXXX years.15 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
Transunion XXXX and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had XXXX days to complete the investigation and by failing to do so the items my be deleted from my 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have XXXX loans from undergrad and graduate school. The loan providers changed from XXXX XXXX to Nelnet to XXXX. During XXXX my loans were transferred from Great Lakes to Nelnet. During this time, my undergraduate loans increased by the amount of {$4800.00}. I contacted Nelnet who said they were unable to provide me with a history because loan was transferred to them by XXXX XXXX. XXXX XXXX no longer exists to contact for my full history. I contacted XXXX who is unable to provide me with a full history of my payments with loan balances and interest. XXXX reports that there was a capitalization of interest of my loans in the amount of {$4800.00} when the loan transferred between XXXX XXXX and Nelnet. This capitalization of interest occurred during the XXXX XXXX. I have also contacted Department of Education who is also not able to provide me with a full history of my payments with loan balances and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been a credit pay pal consumer customer for over 3 1/2 years and they decreased my credit limit without my knowledge. they sent a letter after they decreased my credit limit.

I told them that I had some fraud going on with my credit and this is why my credit was frozen. My limit was {$1800.00} they decreased it to {$1500.00}. at the time they decreased my credit I had paid my limit down to XXXX dollars.

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 2024-07-31 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I looked at my credit report and was shocked to find, my personal transactions were broadcasted on it as if that was legal. that is a violation, My transactions were listed on my report, thus hurting my ability to obtain my right to credit. I did not agree to this. 
I only have XXXX address, all other addresses are not deliverable and should not be on my report. I have several inquiries that are unrecognizable and are not permitted. by way of 15 usc 1681 ss 604 ( 1 ) a-d No PERMISSIBLE PURPOSE. illegal and another violation per the FCRA. 
As a consumer, I have the right to privacy per the FCRA, which governs the CREDIT REPORTING AGENCY. The CRA has a duty to make sure that my credit report is fair and XXXX  % accurate at all times. per 15 usc 1681 ss 602 ( a ) ( 1 ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and respect for the consumers right to privacy '' My credit report contains many inaccuracies and outdated information, I attempted to resolve this with the CRA 's I was ignored. furthermore, I have never given the CRA 's written permission to furnish my consumer credit transactions with XXXX parties or anyone. 15 usc 1681 ss603 ( 2 ) ( iii ) they never gave me opportunity to state if that was ok to do so, per the FCRA. The CRA 's are expected to follow the law, they do not get to break the law at will. The banking system counts on the consumers in order to thrive. unfair reports will only impair the difficiency of the consumer, thus commerce can not thrive and the banking system will cease to exist. unless I give you written consent or you extend me the courtesy of knowing what will go on my report in advance per the FCRA. I want all of my accounts transactions from. utilization to inquiries that are all unknown and have no permissible purpose to be erased from my credit at once. I want my name to be Spelled correctly with no variations or alias. My address should only be XXXX address not XXXX or XXXX that's violating my consumer rights under the fcra

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 2024-07-30 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: FL

Complaint narrative:
since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 XXXX years.15 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have 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 2024-07-31 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: AL

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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have 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 2024-07-30 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/24 ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the XXXX time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/year> ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
XXXX XXXX XXXX - XX/XX/XXXX2024 XXXX MORTGAGE XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX - XX/XX/XXXX2022 2022

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 2024-07-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against AR Resources Inc. for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus.
Details of the Issue : Lack of Proper Licensing : AR Resources Inc. does not possess the necessary license to collect debts in the state of XXXX XXXX. According to XXXX XXXX state law, debt collectors must be licensed to operate within the state. AR Resources Inc. 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, AR Resources Inc. has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor.

A complete payment history.

Proof of assignment or ownership of the debt by AR Resources Inc.

Instead, AR Resources Inc. has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA.

Continued Reporting of Disputed Debt : AR Resources Inc. has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of AR Resources Inc. have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX   XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX/XXXX/2024

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 2024-07-30 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: PA

Complaint narrative:
I found out, not through my servicer XXXX or Federal Student Aid, but through the news, that the XXXX plan I am on has been blocked by a federal appeals court on XXXX. As such, all borrowers on XXXX have been forced into an involuntary forbearance that does not count towards XXXX XXXX XXXX XXXX ( XXXX ). If not for this forced forbearance, my loans would have qualified for forgiveness on XXXX XXXXXXXX XXXX. Now, itll be at least XXXX months later than that. This also puts us in a potential new presidential administration, and XXXX candidate, if they are elected, has promised to abolish XXXX. 

I followed the instructions given to me via XXXX XXXX XXXX website to submit a new XXXX plan application to XXXX, which I did on XXXX and federal student aid said that the new application should process within XXXX  days. When I called XXXX to confirm the XXXX  day processing window on XXXX/XXXXXXXX, they said it would be more like XXXX business days, delaying my XXXX  for an additional XXXX months at least. When I asked them how long it would take to remove the forebarance, they said at least XXXX business days. 

To date, the only communication I have received from either fed aid or XXXX is a letter from XXXX dated XXXX ( same date as the court ruling ) stating that the XXXX plan would be recalculated and that the forbearance I would be put into would count towards XXXX. Through the news and my own research, I found that that was not correct, as the forbearance now applicable is related to the court injunction which expressly prohibits the forbearance period from counting towards XXXX. The false information I received by XXXX delayed my action, costing me valuable processing time. I want to know why it takes so long for them to process a run of the mill form and why the government/XXXX  has communicated none of this to me. 

I truly fear that I will miss the opportunity to get pslf despite working in public service for the last XXXX years. If a new administration does in fact abolish the program, I will have lost the opportunity through no fault of my own and by just a hair. I kept up my end of the bargain, why cant the government keep up theirs?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: CA

Complaint narrative:
last month i noticed that my credit had some fraudulent accounts. I contacted the bureaus and did exactly what they asked. The accounts havent came off

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 2024-07-31 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: CA

Complaint narrative:
last month i noticed that my credit had some fraudulent accounts. I contacted the bureaus and did exactly what they asked. The accounts havent came off

Company response to consumer: Closed with non-monetary relief