vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
TransUnion has reported multiple inaccuracies on my credit report related to student loan accounts from DepEdXXXX and the U.S. Department of Education. This reporting fails to meet the Fair Credit Reporting Acts requirements for accuracy and adherence to consumer rights ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ), resulting in unauthorized, harmful information remaining on my record. TransUnions responsibility to maintain complete accuracy, as emphasized in XXXX XXXX XXXX XXXX is essential to protect consumers from adverse credit impacts. I request an immediate deletion of these accounts from my report and written confirmation once this correction is finalized, ensuring my report reflects only verified information.

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 2024-10-29 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: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
As outlined in the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), there is a critical need to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to protect my private information from being shared, as supported by 15 USC 6801, which states that Congress has established that financial institutions have a continuous obligation to honor their customers ' privacy and safeguard the security and confidentiality of nonpublic personal information. 

TRANSWORLD SYSTEMS INC., as a financial institution, falls under this definition. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily with the written consent of the consumer involved. Neither TRANSWORLD SYSTEMS INC. nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to share this information, and I have not provided any written consent. Any previous consent given to XXXX, XXXX, or XXXX, or TRANSWORLD SYSTEMS INC., whether verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) indicates that a financial institution can not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. I was never informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting certain adverse information that predates the report by more than seven years without proper authorization. This account is being reported as adverse information without my permission, which is unlawful.

Moreover, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), no person should furnish consumer information to any reporting agency if they know or reasonably believe that the information is inaccurate. According to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit consumer report furnishing to the purposes outlined in section 1681b. Clearly, XXXX, XXXX, and XXXX are not adhering to reasonable procedures. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am formally opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-29 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As credit report analysis date XXXX it was showing XXXX XXXX XXXX XXXX XXXX with balance of {$1300.00}, I called ( XXXX ) XXXX XXXX to confirm, but they found not records of this account, I want demand XXXX XXXX XXXX XXXX to remove this negative credit inmmediatelly ftom my credit 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 explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This case has been closed by the Consumer Financial Protection Bureau. The CFPB case numbers are XXXX and XXXX in year 2023. 

They have sent me a notice again on XXXXThe I.C. reference No is XXXX. I have no idea why this company is sending me a notice again. 

They are trying to charge me for something that I haven't used. Please take some action against them, since I had already provided my points in CFPB case numbers are XXXX and XXXX. I don't want their tortures.

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 2024-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an authorized user with the CapitalOne QuickSilver MasterCard card ending XXXX with the credit limit of {$5100.00}. I've recently reviewed XXXX credit report and noticed that this card is not reported on XXXX credit report. 

I called CapitalOne customer service line at ( XXXX ) XXXX on Tue, XX/XX/year>, at XXXX XXXX  XXXX  and spoke to XXXX asking her to provide confirmation in writing that CapitalOne report this credit card to XXXX. XXXX told me that she is unable to provide such letter. The call was escalated to the supervisor named XXXX and, unfortunately, also was not able to provide anything in writing confirming that CapitalOne reports this credit card to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was the co-signer on a Sallie Mae/Navient loan . I was never told the student was advised to enter into forbearance and then never made any payments. I should have been notified as the co-signer and given an option to take over payments. I found out about the delinquency when it showed up on my credit report. Dealing with Navient over the past 12 years was more than difficult. I tried to be released from the loan and they would not release me. The original loan was for {$24000.00}. I ended up paying more than {$70000.00} to satisfy this loan. I believe this loan is a clear example of the practices Navient has been found liable for in the XXXX class action settlement. If something was sent I never received it as to I moved in XXXX and changed my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
After reviewing my credit report, I noticed several billing mistakes showing late payments that don't match my usual payment record. Please correct these errors and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: LA

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 2024-10-29 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: LA

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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 2024-10-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-29 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: NH

Complaint narrative:
I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA XXXX XXXX. Despite my submission of a XXXX deletion request on XX/XX/year>, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/year> : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/year> : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA XXXX XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX  days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX XXXX  Spoke with multiple Equifax representatives XXXX clarify my request : XXXX, XXXX Department XXXX XXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
On XX/XX/year> Dobberstien law firm called me and the lady told me first my payments didn't go through or were charged back/canceled which they weren't and I told her I have receipts as well as bank statements showing I have been paying my payment arrangement. Then she goes to tell me I missed a payment because I paid it XXXX days earlier and they will pursue the judgment if I don't get caught up. As soon as I told her I have a receipt showing I paid it a few days early she said, " well we will look into it '' and hung up. This is harassment I told the company not to call my cell phone as I am making payments and they still do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I XXXX XXXX make payment to XXXX XXXX XXXX on XXXX XXXX, the XXXX XXXX didnt complete transaction do to closing my account and reporting XXXX  days late by explaining that the bank didn t honored payment do to insufficiency XXXX XXXX XXXX XXXX XXXX XXXX, by mail email or phone call didnt wait for grace period XXXX and did reported to XXXX Late for XXXX  days winch is not thru i did send payemnt online and it went thru .in there end they are closed my account and didnt XXXX to bother to contact me but reported XXXX days late, i would like to investigate and remove this entry to XXXX report Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Unifin Inc.
State: NV

Complaint narrative:
I authorized an payment to be processed on XX/XX/year> i got and email confirming the transfer was in process which would of completed the other half of my payment I made on XX/XX/year>. On XX/XX/year> they put an order for repossession out on my vechile. And on XX/XX/year> at XXXX they come and took my car. This month I would have made my payment and then some to pay down my past due. No one ever looked at the payment I authorized already nor did they take it even tho I did the day before my due date. Instead they come take the car and now I had too pay another {$800.00} repossession fee to get my car back when I took all the necessary sets too keep it from getting repo. XX/XX/year> I spoke to someone that also took payment from me that told me I bought myself XXXX days as long as I made my next payment on time which that didn't even matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
Filed previous CFPB complaint but it was not resolved. My account should be put in SAVE forebearance because I had applied to SAVE before the court injunctment. Instead of putting me in SAVE forbearance, MOHELA enrolled me in IBR repayment plan and is demanding payments.

My account is in MOHELA 's transition, so I am not able to access it. When I call in, I am on hold for hours but can not get an answer. When I sent messages using MOHELA 's messaging service, I am just being told to call in and not given an answer.

Previous CFPB compliant where i provided my account information and included a SAVE application filled out since I can not access my mohela account. 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 2024-10-29 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: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation