vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
In XXXX, the XXXX data breach exposed the personal information of XXXX XXXX individuals, including mine. Since then, I have been a victim of identity theft, resulting in fraudulent accounts and unauthorized transactions appearing on my credit reports across multiple bureaus, including XXXX, XXXX, TransUnion, XXXX, XXXX, and others. 

Despite placing fraud alerts on my credit files and repeatedly disputing inaccuracies, the fraudulent activity has severely impacted my XXXX score and overall financial stability. The long-term effects of the breach have caused significant financial and emotional distress. Furthermore, the XXXX settlement did not provide adequate support or resolution to address the damage caused. 

In addition, I have previously submitted complaints about this issue under the following case numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I am requesting the removal of all fraudulent and inaccurate information from my credit reports, restoration of my XXXX score, and assurances that appropriate safeguards are in place to prevent future occurrences.

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 2025-01-14 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: VA

Complaint narrative:
In XXXX, the XXXX data breach exposed the personal information of XXXX XXXX individuals, including mine. Since then, I have been a victim of identity theft, resulting in fraudulent accounts and unauthorized transactions appearing on my credit reports across multiple bureaus, including XXXX, Experian, XXXX, XXXX, XXXX, and others. 

Despite placing fraud alerts on my credit files and repeatedly disputing inaccuracies, the fraudulent activity has severely impacted my XXXX score and overall financial stability. The long-term effects of the breach have caused significant financial and emotional distress. Furthermore, the XXXX settlement did not provide adequate support or resolution to address the damage caused. 

In addition, I have previously submitted complaints about this issue under the following case numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I am requesting the removal of all fraudulent and inaccurate information from my credit reports, restoration of my XXXX score, and assurances that appropriate safeguards are in place to prevent future occurrences.

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 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-14 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-14 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
This installment loan is provided by Affirm , Inc to purchase products to online retailers, in this case XXXX in installments. In this case, the loan was for a treadmill purchased from XXXX and the loan is financed through Affirm. As such, the treadmill needed to be returned ( as it was the wrong product ) and XXXX claims that the return was lost in transit. I informed both XXXX and Affirm that I am not responsible for a third-party company losing the return and am actively disputing the loan with Affirm and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
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 I didnt fill out another application with these companies and they already had an account with my name opened. This is getting outta hand with the understanding of what these companies have done. I called to fix issues not do another hard pull

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Loan from 2013 in the amount {$13000.00}. All other Loans were transferred to another server and we assumed they all were transferred. There has not been any communication or notifications from Nelnet until now and they added an amount of {$4900.00} to this account. Now they are trying to collect {$18000.00}. I found this very criminal and unfair. I would appreciate help with this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
In XXXX of XXXX  i paid off settlement balance with collection agency, XXXX XXXX XXXX. I called the company she stated that my account fell through the cracks. That they would get this resolved right away. My credit report is showing inaccurate still showing that I owe a balance of {$280.00}. I have a notice that i paid this off in full and account has been deleted. I would like this corrected and deleted from all my credit report as this is showing inaccurate information and also affecting my credit in a negative way and my score. 
They are all reporting this account in accurate which is not under FCRA complaince. This is inaccurate reporting and needs to be removed. Please send me a copy of my credit report once this is deleted and has been removed from my credit report. 

XXXX Credit Bureau Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX, Federal Student Aid issued a letter stating that my XXXX remaining loans were eligible for Public Service Loan Forgiveness ( PSLF ) as of XX/XX/XXXX and that my loan servicer ( Mohela ) would send me communication about forgiveness within XXXX business days. I did not receive any communication from Mohela about forgiveness and instead, received repeat correspondence about upcoming payments due, interest, and plan recertification. On XX/XX/XXXX, after unsuccessful attempts to obtain this information via Mohelas messaging platform, I called Mohela and asked about the status of my loan discharge. Mohela advised me that my payment history was being rebuilt and that it could not provide a timeframe within which discharge would be completed. During this call, Mohela confirmed receiving from XXXX on XX/XX/XXXX discharge authorization for my remaining XXXX loans. ( I will note that XXXX repeatedly refused to confirm the date on which it had communicated this authorization to Mohela. ) I have now been waiting 6 monthswell over the XXXX business days Mohela typically claims it needs to process PSLF discharge, and much longer than many XXXX XXXX my remaining loans to be XXXX and have no timeline within which it will be completed. I met my obligation of XXXX qualifying loan payments in XX/XX/XXXX and filed my last employer certification in XX/XX/XXXX, XXXX year ago. I would like help obtaining a concrete timeline from Mohela for when my remaining loan balance will be forgiven, and I would like my case to be prioritized/escalated by Mohela, given the date I was eligible. Specifically, I am requesting that Mohela finish XXXX  out my loans within XXXX business days. Attached is a copy of FSAs XX/XX/XXXX letter authorizing discharge of my XXXX remaining loans ; print-outs from my FSA online account showing all XXXX of my student loans have been deemed PSLF eligible and showing XXXX loans forgiven in XX/XX/XXXX ; a print-out of Mohelas website showing XXXX XXXX loan balances ; and a screenshot of the documents received from Mohela since XX/XX/XXXX XXXX none of which address the forgiveness authorized by FSA on XX/XX/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 2025-01-14 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: NC

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding consistent issues with my credit file, which I have been experiencing since 2019. Despite my continuous efforts to resolve these issues by contacting XXXX numerous times, I have not received any meaningful resolution. This ongoing issue has significantly impacted my ability to obtain funding and secure credit, despite my efforts to rectify the problem. 

Also having Issues with Transunion not reporting accounts Details of the Issue : Issue Timeline : I first noticed discrepancies and errors in my credit file in XXXX. Since then, I have been in regular communication with XXXX, providing all necessary documentation and following their required procedures to dispute and correct the inaccuracies. I have credit accounts that are not being shown to my file that are actively being reported. 

Nature of the Problem : The issues with my credit file appear to involve incorrect data reporting, inaccurate credit scores, and unresolved disputes. Despite submitting all relevant documentation and making multiple requests for resolution, XXXX has failed to correct the errors and has not provided any updates on the status of my disputes.

They have also reported to companies that I have no credit file Impact on My Financial Situation : These unresolved issues are having a serious and detrimental impact on my ability to obtain credit, secure loans, and pursue necessary financial opportunities. I have been unfairly denied credit and funding, despite my good financial standing, due to these persistent inaccuracies.

Attempts at Resolution : I have made several attempts to contact XXXX via phone, email, and online forms to report and dispute the errors. I have provided them with the necessary information and documentation to correct my file. However, I have not received any updates or resolutions from XXXX, and the errors remain unaddressed.

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 2025-01-14 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: OH

Complaint narrative:
Equifax continue to say that the account was removed and not reporting but the account is showing in the closed account status. It needs to be removed completely. The collection agency has informed them of this. REMOVE IT COMPLETLEY!!!!!! 

The is a fraudulent inquiry on my account also. I have not applied for any credit. Remove XXXX XXXX INQUIRY ( DATED XX/XX/year> ) FROM MY CREDIT REPORT ALSO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
I inquired about the verification process of my public records on my credit report because I am a victim of the data breach. Both transunion and equifax stated that they verified through the courts clerk. I messaged the courts clerk and they assured that they DO NOT provide any information to the credit bureaus, which makes both investigations from the bureaus false and unauthorized verification investigations

Company response to consumer: Closed with explanation