vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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 am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX Account Number : Reason for Dispute : Account states Open, Incorrect information report, balance Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the
information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 
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 2024-09-10 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: Synovus Bank
State: FL

Complaint narrative:
I believe there was wire fraud in my account and when I reported it to First Progress Bank they did nothing about it. When I received my card in the mail it seemed as if someone traced the number on the card with a pencil or something and I told them that but they still did nothing about it. I am not responsible for the charges that were fraudulent. They are holding me responsible for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
I have already filed a complaint with the CFPB ( XXXX on XX/XX/year> ) But I have now learned who the collection agency is that reported the debt.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I had to get the XXXX XXXX judge to motion a satisfaction of judgement because ONE MAIN would not send me a receipt nor their attorneys. I want it taken off my bureaus as a debt, I do not owe them anything. They are VERY SLOW to report. They deposited my check for {$5600.00} on XX/XX/year> and still reporting a debt owed!! UNLAWFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 2024-09-10 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: PA

Complaint narrative:
Please remove these accounts as to they are hurting my report in my process of purchasing a home

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 2024-09-10 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: PA

Complaint narrative:
Please remove these accounts as to they are hurting my report in my process of purchasing a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-10 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-10 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2024-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX and Navient are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XX/XX/XXXX. I was notified by XXXX about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX and XXXX ( XXXX XXXX ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking Navient to do the same as I do not owe this company. I did not sign any contracts with Navient. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and Navient using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 explanation
Consumer complaint received 2024-09-10 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: IA

Complaint narrative:
I was granted complete loan forgiveness by the Department of Ed in XX/XX/XXXX. All my accounts showed XXXX balance. It was off my credit report. Then in XXXX of XXXX I get an email that I have student loan payments due ( showing a loan balance of {$16000.00} ). MOHELA put {$28000.00} ( per my credit report ) loans back on my account. Dropped on my credit score immensely. I spent hours on hold to have MOHELA reps acknowledge my forgiveness but can not explain why I have a balance. Refused to cancel it. They put the loan in deferment. I get no answers 'why " I have a balance. No one has contacted me. Still no resolution months later. This effects my credit in a major way. Also, I am a state employee. I can not get answers how this 'mess ' would effect any PSLF 'if ' the balance is legitimate. I argue it is NOT. I have a letter that states and shows all my loans were forgiven. I have screen shots showing my balances at XXXX. 5 months and still no information or resolution from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my recent credit report, I identified multiple fraudulent accounts that I believe were added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
I have asked the company numerous time to not call my job and I just received another call at work at XXXX from XXXX. My loan is behind and right now I dont not have the money to pay they already sent me a right to cute letter. They have also been asked not to call my boss XXXX, he is no longer my boss now, XXXX promised to remove his number but he still received a call after I discussed this with XXXX. I want the calls to my job to stop as I work in a XXXX XXXX environment and I am required to meet goals and receiving these calls is affecting my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Blessings to you. Capital One is saying that I have another credit card with them. I dont they constantly keep asking me to pay this bill. I have a credit card with Capital One which I am paying on now the other one I have no knowledge of that they constantly keep saying that Im I owe this money and I know that I dont. I am paying on time my Credit card that I already have but the other one I dont understand what that is about can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: MI

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 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 2024-09-10 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: TN

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XX/XX/XXXX and distress they are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After going through my latest credit report, I found several accounts that I believe are fraudulent and were added without my awareness.

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 2024-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I'm being sued by a 3rd party debt collector over an account that is old from XXXX over the statue of limitations which is 5 year 's in Illinois. They have been harassing me and embarrassed me with deception and unfair improperly by contacting my building manager for information which against Illinois protective acts. 
As a senior XXXX XXXX XXXX woman they unfairly filed a lawsuit against me without talking with me and this lawsuit is affecting my health and well being as a senior and this firm is deceptive and unfounded. This firm is violating the Illinois laws passed ACT ( ICFDBPA ) and ACT ( ICAA ) and the amount they want is fraudalant without documentation

Company response to consumer: Closed with explanation