vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Previous complaint - XXXX & XXXX - Payment of {$5000.00} initiated on Mohela 's website on XX/XX/year> has still not been applied to the loan. Mohela has confirmed receipt of the funds, but offers no timeframe for resolution. This is a significant amount of money and I have lived up to my responsibility as a borrower by paying back the loan, but the same can not be said for them as a servicer. Given the prolonged nature of this issue and the continued lack of resolution, I request immediate and urgent action to rectify the misapplied payment on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 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: NC

Complaint narrative:
I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to Trans Union that the accounts listed below do not belong to me. These accounts stem from theft resulting from the XXXX XXXX XXXX, a crime of which I am a victim. Trans Union received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX Account XXXX XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ Dept of Ed/XXXX/ Account # XXXX Balance XXXX XXXX XXXX XXXX XX/XX/XXXX? 
This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Trans Union to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being.

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is canceling my disputes from being process.

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 2024-12-29 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Under FCRA from XXXX. 
Dear Transunion I am writing to formally dispute the reporting of XXXX instances of XXXX day late payments on my student loan account serviced by XXXX XXXX which had a highest balance of {$5500.00} and is now fully paid off as of XX/XX/XXXX. The information reported is inaccurate and does not align with my payment history. 
Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The late payments listed for my account are inaccurate and need verification or removal.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information, such as XXXX, are prohibited from reporting information they know or reasonably should know to be inaccurate. 4. 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers are obligated to correct and update information that is incomplete or inaccurate after becoming aware of the issue. Details of the Dispute : Loan Servicer : XXXX Account Information : Student loan opened XX/XX/XXXX. 
Disputed Information : XXXX instances of being XXXX days late are inaccurately reported. Based on my payment records, I believe these entries are incorrect. 
Action Requested : I request a reinvestigation of this account and removal of any inaccurate late payment entries. Please provide detailed evidence, including payment records and timelines, to support any claims of delinquency. 
XXXX XXXX social Security XXXX 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 non-monetary relief
Consumer complaint received 2024-12-29 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 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: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from XXXX XXXX XXXX XXXX, & the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-29 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: AR

Complaint narrative:
NOTICED SOME FRAUD INQURIES I DID NOT AUTHORIZE I HAVE NO OPEN ACCOUNT WITH ANY OF THESE COMPANIES

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
contacted Capital One on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  to find out the status of the dispute. Was told by agent that I would be credited the {$1400.00}. This did not happen. 
Contacted the company XX/XX/XXXXXXXX XXXX XXXX XXXX to find out why I had not received the credit. I was told that they needed to check all the facts to determine if I was getting a credit. I informed them that this had been settled. They told me it would take another XXXX days for a decision?????????? 
contacted company XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to request a copy of the phone call that stated I would receive the credit and was told they would not give me the recording or a transcript. 
Unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: CAC Financial Corp
State: OK

Complaint narrative:
I did not open any loans with this financial company. I have tried to contact someone about this matter and have not received a response. I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
refusal to remove collections and inquiries just replying verified after disputes.

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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OR

Complaint narrative:
I tried to fix my credit with Lexington Law in XXXX Minnesota from XXXX. I spent XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
The bills from XXXX and XXXX for cellphone services appeared on my credit report but it was from when I was underage and wasnt me so I asked for verification of debt because it wasnt me and none of the credit bureaus have responded. I am requesting that it be deleted from all three credit bureaus.

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 2024-12-29 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:
The bills from XXXX and XXXX for cellphone services appeared on my credit report but it was from when I was underage and wasnt me so I asked for verification of debt because it wasnt me and none of the credit bureaus have responded. I am requesting that it be deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Revenue Corporation
State: TX

Complaint narrative:
My names is XXXX XXXX my wife got me in the XXXX XXXX  XXXX paid for everything normal the ask for my wife information social security number, and account information. And now they put me in collection. Never receive mail oh phone call i see the the first time in my credit report today XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC
State: ND

Complaint narrative:
I have a garnishment being taken out of my check that I never was served for. It is for a over {$16000.00} that I never borrowed or had and they have already taken over {$3500.00}. Galaxy international purchasing LLC is the company that is taking this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
15 U. S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!! Under 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 under 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 to 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 non-monetary relief
Consumer complaint received 2024-12-29 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:
In response to CFPB complaint XXXX, Equifax did NOT remove the item from my report. They have violated my rights under 15 US code 1681n - Civil liability for willful noncompliance. 

The original complaint submitted XX/XX/year> is as follows : Clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) with XXXX XXXX XXXX Account XXXX XXXX. The account was deleted from my Equifax consumer report on XX/XX/year> and reinserted on XX/XX/year>, with NO NOTICE within XXXX business days. If the CRA reinserts the information, it must notify the consumer in writing within ***five business days*** of doing so. Equifax DID NOT notify me of anything. 

This item is listed on an identity theft report that was submitted to Equifax on XX/XX/year> and per FCRA 605 ( b ) was removed, and then reinserted LESS than 5 days from deletion with is also a violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ) Other items listed in the original letter sent via USPS on XX/XX/year> were also not removed. These items can be seen in the attached documentation showing original dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
I checked my credit report, and I saw some inquiries that I did not authorize. 

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 I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.

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