vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IA

Complaint narrative:
My student are serviced through Mohela. I received a notice from Mohela by email on XX/XX/XXXX that my account was past due. Upon checking my back account, I saw that the money had already been taken out by the US Department of Education. I chalked it up a clerical error, since I knew they were migrating to a new system. I saw that another was coming up due, so I called Mohela on XX/XX/XXXX to try and resolve the matter. I was unable to reach anyone after holding for XXXX minutes. I couldn't get through their automated system, because it wasn't accepting my ID or my SSN as valid. I called again twice on XX/XX/XXXX and was still unable to get through to anyone. I called XXXX more times on XX/XX/XXXX. I was told by a representative that my account had not been migrated to the new system, and that the ID number was now different. She said the matter should be resolved within XXXX hours. I received no communication about any changes, so I called back today, XX/XX/XXXX. After holding for an hour, a rep said that the XXXX payment was received, but not the past due payments. She said she could not help me any further and I would have to hold for a " more advanced representative ''. I held for two hours, at which time they closed and I would no longer be able to reach anyone. I am concerned that these " missed payments '' ( which money HAS been pulled from my bank account for ) will impact my credit or cause me to be penalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX, I filed a dispute ( XXXX ) with XXXX for a lender error on my student loan account with XXXX  XXXX, serviced by UAS. I included my letter from UAS admitting their mistake for terminating my auto-pay without notificationjust 4 months before I had paid it off on XXXX well as a promise to remove negative reporting. 

XXXX responded to the dispute on the same day by changing the " amount past due '' for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to {$0.00}, but they did not fix the payment status of months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from " XXXX days past due '' to " paid on time '', nor did they change the status of my account from code XXXX " XXXX days past due '' to code XXXX " Paid/Zero balance, '' and finally still have my account as " first delinquent '' in XX/XX/XXXX. 

Upon further review on XXXX, I discovered not only these unfixed errors in my " payment history '' view for my closed XXXX  XXXX account, but also in my " XXXX history '' view, there are now amounts past due, balances, and scheduled payments for XX/XX/XXXX and XX/XX/XXXX, 9 months after I paid off the loan. 

I filed another dispute on that day, but was only allowed to select XXXX of the errors ; the resolution that day was, again, to change XXXX " amount past due '' values, but not the account status, monthly payment status, nor " date of first delinquency. '' I called XXXX and UAS today XXXX for help. XXXX levels of XXXX customer representatives claimed that they have no way of making the appropriate changes per their resolved disputes, other than filing more disputes. Moreover, the ( very rude ) escalation supervisor informed me that I couldn't even file a dispute within 30 days of the prior one. UAS 's automated system hung up on me upon entering my account information, because the account is already closed. A human representative was not able to help me for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I had applied on indeed for a remote job.On XXXX I had gotten hired by a company called XXXX XXXX as a data entry clerk.After receiving the job offer letter, filling out XXXX form and all other documents for the hiring process.I was told by the so called manager XXXX XXXX that they would be sending me a check to buy the equipment for the job.Which would be a computer, a phone, headset, printer, fax machine as well as other stuff .He told me to deposit the check as soon as I could so I could be ready for the training that would start in a few days. So the company had mailed the check to my apartment and that same day I went to the bank cashed the check and went to a XXXX  atm because he stated that was the only way the company they bought the equipment from Would get paid. And hemention that these were all apple products and the equipment would have my name and company logo on it, so that thats why it was a lot of money.Later on that day I received a call from XXXX saying he forgot to order a few more things so he canceled the order and was going to send another check. And had me do the same process.deposit the check at my back and then withdraw the money and deposit it into the same XXXX atm. Minutes later after depositing that money I received a call from XXXX XXXX Saying the checks were fraudulent. They froze my account until I pay all that money took the money I had in both my savings and checkings account as well as a check I had just received in the time frame. And they want to pay all that money back which is a total of XXXX. I made a police report spoke to officer XXXX XXXX and case # is XXXX but nothing has been done he said theres no way to get that money and unfortunately theres a lot of people who do scams.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Some company calls me all day while i am at work XXXX from many different phone numbers none of which shows their identity. When asked to validate the debt they sent a letter with the wrong amount and acct number im guessing its the acct number they assigned.. the person proceeded to inform of this debt and when i could talk i informed her i was at work and didn't have any if the information at hand and i do not wish to do business with them and i do not recognize that business after going over the letter they sent seeing the numerous mistakes and trying calling one of the numbers they called from its no longer in service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
On XX/XX/2024, the company opened a collection XXXX XXXX XXXX I have never signed a written document saying I owe the collector this debt. They are violating my rights of the FCRA as a consumer. I do not know who they are and have no written consent. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
On XX/XX/year> I sent three letters to the three credit bureaus experience, XXXX and Trans Union about my credit reporting fraud 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 2024-12-18 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:
On XX/XX/year> I sent three letters to the three credit bureaus experience, Equifax and XXXX XXXX about my credit reporting fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: UPGRADE, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Upgrade Inc for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Upgrade Inc, with the account numbersXXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Upgrade Inc has not provided me with the required Form 1099-C for the charged-off debt on my account. 

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of Upgrade Inc 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Upgrade Incs failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Upgrade Inc complies with its obligations under the tax code and credit reporting laws. 

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Upgrade Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
I filed ftc affidavit because there were fraudulent accounts and hard inquiries on my report that do not belong to me. None of the credit bureaus are helping me get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: MI

Complaint narrative:
I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
Letter sent, phone calls. To stop reporting on a monthly basis without written consent to report monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
Letter sent, phone calls. To stop reporting on a monthly basis without written consent to report monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I was the victim of an XXXX breach and was awarded a class action settlement amount. I was ordered to claim the funds via prepaid car through myprepaid center.com. I have followed all of the instructions sent to me via email in order to claim the virtual card, and everything was confirmed. After I completed the steps, a link was sent that was supposed to allow me to access the funds, however whenever I attempt to claim the card, an error message occurs. 

Customer service claims try again later, try again tomorrow, try again in five days however I have been researching online and have seen that many other people are experiencing the same issue, have waited months, still with no resolution. 

It seems the funds from this lawsuit were distributed in such a way that they can not actually be accessed, I am unsure if this is an oversight or intentional, but the staff at myprepaidcenter.com are either unwilling, or unable to help which means there is no way for victims of this breach to actually claim the compensation they are receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Ive noticed that my credit report contains incorrect personal information, which has allowed an unknown and inaccurate account to appear under my name. As a victim of identity theft, my personal details were misused, leading to this fraudulent account being added to my credit historyan account I have no connection to. Per Experian 's instructions, I filed a report with the Federal Trade Commission ( FTC ) and provided all required documentation to resolve the issue. Despite taking these steps, the fraudulent account remains on my report, creating unnecessary stress and potentially damaging my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Today, my online account was again not functioning, so I was unable to access my dispute center, freeze status, credit report, or Fraud alerts. After speaking with several agents, I was told I could complete the disputes on the phone. I voiced my concerns regarding the conversation I had with XXXX that lasted until XXXX XXXX XXXX today. XXXX was very rude and unhelpful when I asked if she was able to use my FTC, police report, ID, and FCRA 605 request to block information She kept rudely repeating " No, but I can see you filed a CFPB complaint today. '' When I finally tricked her into acknowledging my documents were on file, she claimed that she could file my disputes over the phone with that and " MY CFPB REPORT '' After she took down the information about the three accounts, asked me why I wanted them disputed and I told her these are not related to any transactions I have made, they are not my accounts or debts, I am a victim of identity theft, and these accounts are listed on my report. I had to ask her when they would be resolved as she didn't offer any information. She stated 30 days. I repeated again I wanted the information blocked from my file within 4 business days in accordance to FCRA 605b as the accounts did not belong to me, and she completely dismissed my request. She kept asking me specific questions about the accounts and I told her I didn't know because they weren't mine like I stated, they were on my FTC report. Finally, she hung up on me when I asked to speak to a supervisor or someone to escalate my issue. 3 more representatives later, I was connected with XXXX in the " special handling '' department. He was unable to help me, again refused to acknowledge my rights under FCRA 605B to block inaccurate information of my credit report within 4 business days. XXXX stated that I would need to contact the creditors directly and send it to them as Trans Union doesn't acknowledge or go by the consumer protection measures of FCRA 605b as I mentioned. I argued that I have been trying to resolve these issues at least a month which is why I have already submitted two reports to the CFPB, and he still was not helpful. I said I would just report this interaction as well, and the call was ended. I am writing this complaint to document TransUnion 's practices. I plan to seek legal action after four days as this bureau has made it completely impossible to reclaim my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-18 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation