vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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 have noticed that some of my Federal loans were discharge on XX/XX/2024. I have called Mohela and that they have confirmed that it was successfully diacharge via Barrowers Defense. I have asked if I can get a refund of all payments made to XXXX XXXXXXXX XXXX XXXX XXXX since they were approved and discharged. They have told me that I am only getting {$1000.00} refund. I have been paying this loans for years. I have also made 34 Qualifying payments under PSLF and I am only getting this amount. I haveinformed them also about transactions under my account history and that {$1000.00} does not equal to payments being made through out my history payments and adjustments. I even informed them and sent them the information atrached regarding the account history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-08 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: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MS

Complaint narrative:
On XX/XX/2024 i disputed items on my persons credit report and asked that they properly be verified according to the Laws of FCRA. In less than 24 hours i was sent an email stating that my dispute was over and my results were ready. The entity Equifax has violated section ( 604 ) 15 U.S.C. 1681b, section 605 A 15 U.S.C 1681 C-1 and 605B 15 U.S.C. 1681 C-2 by not properly verifying the items in dispute. The items in dispute have adversely effected me and has damaged my reputation. All items have been discharged and should no longer be on my persons credit report showing adversely in any way. I the consumer and trustee over the accounts did not give explicit or written consent to publish such personal and private information on my credit report. The entity Equifax did not provide me with information on how they were able to verify any information so that i may exam it. Equifax gets unverified information from uncredited resources such as XXXX XXXX XXXX  who also must be certifiable in Metro 2 Compliance standards who also reports inaccurate and noncompliance information on consumers. I also spoke with the clerk of circuit court and asked them what was their method of verification for reporting to Credit Bureaus and they informed me that they do not verify any personal and private information to any credit reporting platforms. Equifax isn't properly verifying information which is harming consumers. I would like Equifax to send copies of their method of verification to the CFPB so that i can be assured that Equifax is in full compliance. I would also like Equifax to send verification of bankruptcy to CFPB to insure compliance. If Equifax can not verify any information on my credit report that is adversely affecting i, the consumer, them Equifax is required by law to delete All negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXXXXXX XXXX Account 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXXXXXX XXXX  Account 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
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Request for Debt Validation Dear THE BUREAUS INC I am writing to request validation of the debt referenced in your recent communication dated XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including details such as the amount owed and the original creditor. 

Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract that establishes my responsibility for this debt.

4. Verification that you are authorized to collect this debt on behalf of the original creditor.

Until I receive this information, I request that all collection activities cease, as required by law. Please send the requested documentation to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I sent a letter to Synchrony Bank concerning my XXXX XXXX XXXX XXXX account XXXX in XXXX about 4 months ago, asking to invoke my credit security. I apologize for not knowing the exact date, I have been diagnosed with XXXX, my wife with stage XXXX XXXX XXXX, we have been affected with XXXX XXXX and everything just seems to swim before me. I have had payments returned, and I have tried to be more diligent, but I am XXXX XXXX XXXX and things are just falling apart.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there is an incorrect account with XXXX XXXX XXXX XXXX that is being reported on my credit report, and my dispute to have it removed has been unsuccessful. 

Even though the XXXX XXXX XXXX admits the account is incorrect, this makes it a case of willful non-compliance. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The XXXX XXXX XXXX is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX v. XXXX XXXX XXXX Bank, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX XXXX XXXX XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt XXXX, which could include the reporting of debts by financial institutions. 

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions. 

Being as though this is not the first attempt to fix this problem, the XXXX XXXX XXXX no longer has 30 days to respond, but they have to delete in XXXX business days or less

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there is an incorrect account with XXXX XXXX XXXX XXXX that is being reported on my credit report, and my dispute to have it removed has been unsuccessful. 

Even though the credit reporting agency admits the account is incorrect, this makes it a case of willful non-compliance. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX v. XXXX XXXX XXXX Bank, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX XXXX XXXX XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt collectors, which could include the reporting of debts by financial institutions. 

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX XXXX Auto Finance XXXX to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions. 

Being as though this is not the first attempt to fix this problem, the credit reporting agency no longer has 30 days to respond, but they have to delete in 10 business days or less

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic. 

The XXXX XXXX prevents lenders from reporting late payments to credit reporting companies during the XXXX crisis. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by XXXX during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. 
https : //www.nolo.com credit-pro Credit Protections Under the XXXX XXXX XXXX XXXX XXXX XXXX reported Within 30 days of this notice.

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