vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and had my federal student loan discharged for student misconduct XXXX then sent me a misconduct application asking to fill out a 12 page form and send proof sent over almost the same info I sent to get the federal student loan discharged but after sending my application show my school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was on the list of schools for misconduct i just got a letter from XXXX saying you do not meet the requirements for discharge based on misconduct by your school. How is that fair when the federal government said i was then with no warning my student loan is transferred to Mohela. I'm no attorney and cant afford to pay for help XXXX XXXX XXXX and im stuck with a XXXX loan pymt for a school that is no longer open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I am 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 XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3100.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$300.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$930.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$930.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$360.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

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 2024-12-13 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: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent letters XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> with proof of XXXX  deleting all of the incorrect information and negative accounts that are not my accounts. They are refusing to delete this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8500.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$13000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$440.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$7000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00}

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Bought a car on XX/XX/XXXX with US auto sales in the amount of {$21000.00}. Company then filed bankruptcy and sold my lease/loan to another company Westlake Portfolio Management for the same amount when we first purchased the vehicle. We were already making payments on the vehicle but when Westlake purchased the loan/lease it started over. Westlake did not have GAP insurance coverage like we did with US Auto and paid for in the original lease/loan amount and we were supposed to have some kind of coverage for repairs and a place to take the car specifically for said repairs, unsure as well as to what other coverage or costs were supposed to be taken over by Westlake from original contract with US Auto Sales . Made many attempts to reach out to US Auto Sales but since they closed down and filed bankruptcy could not get a hold of anyone and did not know how. I also tried speaking with Westlake but they basically told me that there is nothing that can be done. On my Westlake profile the only info I can get is the amount financed which is the {$21000.00}. Maturity date XX/XX/XXXX. Original term XXXX. Annual percentage rate 19 %. Bi weekly payment amount {$230.00}. I also tried speaking to Westlake about changing my payment date from XXXX XXXX XXXXXXXX because my husbands payday changed and they said it couldnt be done because thats the way my original contract was set up but they dont honor everything else we paid for in said contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX BANK # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$410.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2024-12-13 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$8500.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$5700.00} Account Name : XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$13000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$5400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$440.00} Account Name : XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$7000.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$5400.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive recently checked my credit report and noticed incorrect information reported among the three bureaus of the date of the XXXX XXXX account opened.Theyre Two different dates shared among three bureaus which are XX/XX/XXXX and XX/XX/XXXX which is INACCURATE because you can only open an account on ONE individual day. Also theyre no closing day reported for XXXX and XXXX XXXX So that would be an incomplete report.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Venmo credit card has been reducing my credit limit without warning and greatly affecting my credit score. I went to use it and found that I only had about XXXX above my limit left because they had dropped it by about half. They have since dropped it by XXXX dollars twice so far. The only reason I receive is that they are monitoring my credit and theyve sent letters or links which I cant find record of. I have missed one payment maybe in XXXX, I even paid it down significantly ( XXXX dollars ) in XXXX of XXXX. My limit was cut in half in XX/XX/XXXX and every other month it looks like they lower it to within XXXX dollars of the new limit, my score gets hit by XXXX points. Im afraid to pay it off fully because of whats been done to my score thus far.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had three late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had three late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation