vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly delete this account from my report because I have no idea or knowledge about it. I have also reach out to the below companies to inform them that I didnt request for any auto and credit card. 

Please delete the below hard inquiries from my report because its as a result of identity theft on my account. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX EXPERIAN 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 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 I will greatly appreciate if my request is granted asap.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. US DEPT ED Account number : XXXX XXXX. US DEPT ED Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have complained about Equifax before, with absolutely no results. I've tried to freeze my credit with them in every way possible, with no results, and have complained about them to this agency, also with absolutely no results. I froze my credit with both XXXX and XXXX online with no problems at all - everything worked exactly the way it should. With Equifax, when I created an online account and was unable to sign in to it because it told me the data I had JUST created was incorrect. I should note than I'm an experienced IT professional, and an very adept at working on the Web. Several times, it gave me phone numbers I should call, and each and every one gave me a recording to the effect that they were extremely busy and I should try something else, and none of them EVER answered after long periods of time. So I was unable to resolve this XXXX  problem by phone. I also tried other numbers I found to try to freeze my credit by phone, with the same [ non ] results. So I went through the extremely difficult process of trying to freeze my credit with them by mail, laboriously filling in all the information they demanded and making and including copies of all the documentation they demanded. I should note that doing this by mail is extremely dangerous in light of all the mail thefts that are occurring now, but it was the only method left. After a couple of weeks, I received a letter from Equifax to the effect that I hadn't sent the required information, which I definitely had, at great risk to myself. At this point, it seems that Equifax doesn't operate as a legitimate company, even though they have the privileges of one, and that they report to the CFPB that they have resolved the problem, when they definitely haven't. It's a disgrace that Equifax is permitted to deal in such a sloppy, and frankly dishonest, manner with sensitive consumer information - and not much less of a disgrace that the agency that's supposed to help resolve such bad behavior that endangers consumers seems unable or unwilling to do anything about it, I am thoroughly disgusted, and if I don't hear from the CFPB about this matter and what they're attempting to do about it ( because I'm certainly not the only consumer who is being treated like a mark by this horrible company ), I will begin to contact my legislators about both Equifax and the inability of the CFPB to properly regulate them. If the CFPB doesn't have the authority to do what it needs to do to help consumers, I need to hear that from the CFPB so that I can solicit my representatives to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. It's important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was with Navient for several years until recently now I'm with XXXX XXXX XXXX. 

When I consolidated several federal loans with Navient, I requested an income driven repayment plan. I believe this was around 2012. I've been paying back these loans ever since then, and I have not missed any payments. 

Recently there has been a lot of information around loan forgiveness for those on income-based repayment plans when they have been paying for more than 10 years. I believed that I would qualify for this. When I tried to get information on whether or not I qualified, I found out that Navient misled me and pushed me into a XXXX standard repayment plan. They told me I was on an income-driven plan, but I was actual put on an extended XXXX standard plan which I didn't even know existed. Now I owe just about the same balance as I did 10 years ago, and I'm not eligible for loan forgiveness because they misled me about me repayment plan. I believe I was misled and tricked into a repayment plan that I did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CT

Complaint narrative:
My student loans of {$140000.00} were transfered from XXXX to the servicer MOHELA, and then payed down to a value of {$130000.00}. At some point the loan was transfered within MOHELA as they have updated their online platform. Due to that update and creation of a new account number for my original loan, my XXXX credit report shows two active loans from MOHELA for {$130000.00} AND {$130000.00}. 

This doubles my loan on my credit report and will likely affect my debt/credit ratio. MOHELA has not been helpful in rectifying this and I have also filed a dispute with XXXX. 

The accounts are : MOHELA/DEPT OF ED : XXXX MOHELA/DEPT OF ED : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint against Portfolio Recovery Associates for their failure to comply with federal debt collection laws and consumer protection regulations. This agency has placed a collection account on my consumer report without following the proper procedures, as required by law. 

Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), the agency is required to provide debt validation information before reporting the debt to a consumer reporting agency. Despite this requirement, I has not received any such validation from them. Furthermore, the agency has not provided me with an opportunity to dispute the alleged debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ).

In addition to these violations, Portfolio Recovery Associates is engaging in false, misleading, and deceptive practices in violation of the law. They have no authority to furnish any account to a consumer reporting agency without adhering to the mandatory disclosure requirements under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-S.

I am formally disputing the debt and requesting that Portfolio Recovery Associates provide the following : Full debt validation, including documentation that confirms the alleged debt is valid and that Portfolio Recovery Associates has the legal right to collect it. 
The original purchase agreement between Portfolio Recovery Associates and the original creditor. 
Proof of licensing and bonding to collect debts in the state of new york Additionally, I am revoking all consent for Portfolio Recovery Associates to contact me via email, text, or phone. All future communications must be made in writing only. 

I request that the CFPB take action to investigate these violations of my consumer rights and ensure that Portfolio Recovery Associates complies with the law. Their failure to adhere to these legal obligations is harmful and demonstrates a disregard for consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I am a victim of identity theft.someone used my stolen information to obtain a service with XXXX XXXX XXXX. The amount is sent to collection for the amount of XXXX. I had already frozen my account during that time. I had even contacted XXXX XXXX XXXX about the suspected fraud on my account during that time because I see an inquiry from XXXX XXXX XXXX  on my credit report but they said they dont see it. Please help me and the fraud department is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I paid off entire balance ( according to XXXX BANK ). The balance was incorrect. The provided balance was incorrect which I was not aware off. According to the statement XX/XX/XXXX Synchrony Bank applied a credit issued a check an amount of {$470.00} on the address which I no longer reside. I contacted the bank, provided the new address including my new name ( after divorce - attached my divorce decree, legal ID with my new last name ). During the first contact I updated my information with correct my last name and the correct address. Until today - XX/XX/XXXX no check, no explanation. Between this time, I contacted the SYNCHRONY BANK multiple times. All his time the bank teller informed me that the check has been sent... Today, during the last call after I demand confirmation the address the check has been sent the bank teller rude disconnected. This is not acceptable and incredible wrong. If I would own this amount of money, within a few weeks I could get multiple calls from collector an have negative remarks on my credit report. The bank not only would XXXX  payment but interest and penalty. 
Now, I demand from bank not only returning overpayment but interest and paying me for all inconvenience. Bank is taking advantage of my ethnicity and national of origin, language barrier. Please help me to return my money back. After devastating divorce I'm going through hardship, lost mu property, relocating, living with family in OH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 ( ADDRESS ON ACCOUNT IS INACCURATE ), Account name : XXXX XXXX  # XXXX ( INACCURATE INFORMATION ), Account name : XXXX  XXXX # XXXX ( INACCURATE INFORMATION ), has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-13 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL 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