vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 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: TX

Complaint narrative:
I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX  Account : 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 has violated my rights ; 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about :

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
I was in an income based repayment plan ( Repaye ) prior to the XXXX forbearance with XXXX which were transferred to Mohela. 

When the COVID forbearance ended I contacted Mohela and were told my loans were placed on administrative forbearance until they converted my Repaye loans to XXXX. They assured me interest doesn't accrue and there are no penalties and months count towards XXXX. 

In early XX/XX/2024 I received notification from Mohela that my loans were in default and they assessed me a penalty, without notice. I contacted them on XX/XX/2024 and was placed on their call back list which they did not call back. I called back again XX/XX/2024 and waited until I spoke to a representative. 

XXXX. I was told that the administrative forbearance was actually a processing forbearance which only lasts 2 months. This is completely contradictory to what I was told on my previous conversation. 

XXXX. The second representative ( supervisor ) told me the Dept of Ed was waiting on me to recertify my income. This is not true when I look on studentloans.gov. Additionally because I was on XXXX prior to COVID forbearance I do not have to recertify until XX/XX/2024. 

XXXX. I was told my income based repayment plan ( XXXX ) wasn't " transferred to them ''. This is out of my control. They did offer to rectify their error. 

XXXX. I got factually incorrect information regarding the processing of my application by the Department of Education, which is marked as complete. 

My husband and I were present for all of the phone calls I had with Mohela representatives and were both surprised with the contradictory information. We're both educated with graduate degrees and financially responsible. We are appalled that a federal loan servicer could be so inept. Talking to friends and reading anecdotal accounts it appears this is a wide spread problem which has been going on for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
The company initially responded saying that the merchandise was repossessed, and my account was delinquent, then after a second complaint, the company said that after investigation, the merchandise was recovered from XXXX XXXX and my account does not reflect being repossessed. The company did not provide any solutions or escalations of action in regard to reporting this to the credit agencies nor did they provide proof of investigation or proof of current account standing.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and non-verbal pursuant to XXXX XXXX Code XXXX XXXX effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with XXXX XXXX XXXX XXXX and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is absolutely absurd! I am writing this in response to my initial complaint against Equifax from claim # XXXX. My original complaint was that Equifax did not process my letter that was sent to them on XX/XX/23, only for them to respond to my complaint by requesting me to send them another letter?! How does that make any kind of sense? I have already complied with the information that they requested of me by submitting a letter along with my driver 's license, social security number, current address, and my full name ( which I feel uncomfortable putting out into the public space in the first place ). My complaint was that they are giving me the run around with processing my documents showing that several accounts were included in my bankruptcy in order to update my credit report ... and now they are wanting me to send them ANOTHER LETTER? This is ludicrous. I have been requesting them to update my file for months now. Seems like they are mocking me, as well as the governing entity that is responsible for keeping them accountable, by not taking this complaint seriously. I am prepared to file a lawsuit against Equifax if this matter is not handled properly. All I am asking for is to update my report accurately, in the manner that Equifax claims is their first priority. I am extremely upset by this and I am ready to escalate this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hi my name is XXXX XXXX authorize user of a Venmo account. 
Acct # XXXX Routing # XXXX my account has frozen without breaking policy guidelines. I am desperate need of mind money to catch up on bills and family matter. I attempted to email Venmo to get the process to release the funds but they didn't give any steps to fulfill so the account can be active. I also spoke with several representatives which who wasn't able to assist me or lead me to anyone who can. I am a verified account holder so I am baffled that this is happening. I appreciate your service and what you could do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, Experian XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

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 explanation
Consumer complaint received 2024-01-10 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: TN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to rectify inaccuracies in my credit report despite multiple disputes lodged against accounts associated with XXXX XXXX XXXX. I have previously submitted disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, regarding the following accounts : Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$2700.00} ) XXXX. Account XXXX ( {$2000.00} ) XXXX. Account XXXX ( {$1800.00} ) XXXX. Account XXXX ( {$1900.00} ) XXXX. Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$1100.00} ) XXXX. Account XXXX ( {$1300.00} ) XXXX. Account XXXX ( {$2400.00} ) Despite my vigorous efforts to dispute these accounts, Experian has failed to rectify the inaccuracies, and these accounts continue to be erroneously reported. This egregious misreporting not only violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) but also infringes upon the Fair Debt Collection Practices Act ( FDCPA ). 

I have provided Experian with clear evidence supporting my dispute, including multiple certified letters detailing the inaccuracies and requesting the removal of these disputed accounts. Unfortunately, Experian has yet to take appropriate action, even with each certified letter providing proof of each violation. This ongoing failure to address and rectify the reported inaccuracies demonstrates a blatant disregard for the FCRA and a persistent violation of consumer rights. 

The XX/XX/2023, letter reiterated my concerns and provided additional documentation reinforcing the inaccuracies in question. Despite the evidence presented, Experian has not taken the necessary steps to rectify the reported inaccuracies, further exacerbating the harm caused to my creditworthiness and financial standing. I request the Consumer Financial Protection Bureau 's urgent intervention to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly. The continued presence of these disputed accounts on my credit report negatively impacts my creditworthiness and financial standing, causing unwarranted harm and stress.

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 2024-01-10 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: NY

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MO

Complaint narrative:
EXPERIAN is still working on another complaint well what about all these tat you said you still working on and all the ones you closed, THERE ALL THE SAME WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK

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