vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
I am inquiring to understand the Description or Method of verification you have used to complete your reinvestigation as I am in disagreement with the Completeness and Accuracy of the accounts on my credit report. You have a duty to provide me with this description of your reinvestigation within 15 days of receiving this letter. If you can not provide this to me then I demand these accounts be removed immediaetly or I will have to take legal action. 
The following accounts below I need the method of verification for : XXXX. XXXX Account XXXX : XXXX. Violation of section 807 15 usc 1692e false or misleading representations. 
XXXXXXXX XXXX XXXX  Account XXXX : XXXX. Violation of 15 usc 1681s-2 ( a ) ( XXXX ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX. Violation of 15 usc 1681s-2 ( a ) ( 3 ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
Please provide me with the following : 1. Proof that you sent the notice of dispute to every furnisher in question within 5 business days upon arrival 2. Proof that you provided all relevant information to the furnishers to help them conduct a reasonable investigation. I am concerned you did not and this is why these items have not been deleted. You are required by law to consider " all '' relevant information when receiving disputes. 
3. What does your automated reinvestigation system exactly determine for these reinvestigation results if these accounts are still inaccurate and incomplete?

4. Please Provide the business name and address along with the phone number of every furnisher to whom you sent relevant information.

This is to be completed and sent back to me within 15 days of you receiving this request or else you are violating federal law. 
Please send me this description to the mailing address listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX employees XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: IL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I have been notified that my Social Security number was apart of a Data breach. I would like to challenge the accuracy of these accounts thats on my credit report. Please provide me with the internal records of these inaccurate accounts attached.

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 2024-08-24 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I have been notified that my Social Security number was apart of a Data breach. I would like to challenge the accuracy of these accounts thats on my credit report. Please provide me with the internal records of these inaccurate accounts attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is a follow up to my complaint XXXX. The bank response is that I authorized charge. Can I please get a copy of that authorization with signature? I did not authorize a charge to not get anything in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: DC

Complaint narrative:
Experian and XXXX will not remove items reported with proper documentation off of my credit file they continue to keep the disputes going for over 30 days state they are fixing the issue but does not correct it even with the correct proper documentation

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 2024-08-24 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: 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. 

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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 112022XXX has violated my rights.

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. 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 non-monetary relief
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
i am reporting an identity dispute involving inaccurate information on my credit report for account number XXXX. The inccorect details are causing significant issues. According to 15 U.S. Code 1681i of the fair credit reporting act, i request that this incorrect information be removed within 4 days. i have provided supporting documents to verify my claim. please address this matter urgently.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have Pay Pal accounts, I recieved e-mails saying that I bout XXXX currency on my Pay Pal account for {$200.00} on XX/XX/2024, next on XX/XX/XXXX another e-mail said I owed {$720.00} for XXXX XXXX On XX/XX/XXXX another E-mail for {$390.00} form XXXX XXXX. Each time I contacted Pay Pal and was told that they didn't get the money yet so they couldn't do anything. I told them to cancel my accounts then and they said wait I'll get a supervisor. She assured me the I would not be responsible if they did get anything. I opposed that idea because I would have to go through the XXXX. I told them to issue me new cards and change my account numbers, which they did. On the XXXX I recieved a letter form Pay Pal asking for XXXX XXXX to resolve this issue without any return phone number or agents info. Now today I recieved another bill now stating that I bought a XXXX inch TV for {$590.00} that will arrive soon. I have never responded to any of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2024-08-24 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:
this is my follow up complaints to remove the account.. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX {$710.00}

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 2024-08-24 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:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-08-24 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 know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so THE 3 BUREAUS are committing forgery fraud and will be reported to the authorities for that. 

Bankruptcy XXXX  XXXXdischarged Reference # XXXX XX/XX/year> Bankruptcy : Discharged XXXX Reference # : XXXX XX/XX/year>

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 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MT

Complaint narrative:
My student loan was forgiven this year due to Borrower Defense student loan discharge. My balances kept changing. I never received any notification as to why balances were changing. I did download my student aide information multiple times. On XXXX XXXX my MOHELA loans were discharged in complete for the IDR plan and making payment for 25 years. It took months to get the {$700.00} I had paid after the discharge back. I had to write MOHELA to figure out what exactly discharged my loans and they eventually sent me a letter. On XX/XX/XXXX I recieved a random direct deposit doe {$3900.00} from XXXX XXXX  XXXX XXXX pay. I did not receive a letter from student aid. Gov nor did I receive a notification from MOHELA. I XXXX the payer and saw threads about this being from student loan overpayments. 

I was curious as to why I was getting a refund since my loans have had a {$0.00} balance since May. 

I logged on to MOHELA to discover that I now have {$26000.00} total in student loans back on my MOHELA account. Over {$9400.00} is from interest. This is also showing in the sudentaod.gov website. Locations that showed my loans discharged are now gone. They have sent no communication to me by main or email. 

It shows my loans in forbearance until XX/XX/XXXX. When I click the make a payment button it says that due to the status of my account I need to call for account I queries or document requests. 


Other times when I have called Ive been on hold for a while. They are far from helpful. They are slow. 

They are now charging me interest since who knows when without ever notifying me. 


I would like them to be held accountable for the way they are handling student loans. I applied for borrowers defense in XXXX. Ive been strung along like the rest of my class who was a victim of financial aide fraud. I have all my documents from XXXX in XXXX. I have downloaded my stuednet aid data 4 times and every time it changes. It doesnt show what they have taken back and when. It just disappears like it never happens. I have screen shots of ever changing totals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: DC

Complaint narrative:
The information on account is innacurate and should be updated to match identification

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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: DC

Complaint narrative:
The information on account is innacurate and should be updated to match identification

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 2024-08-24 00:00:00
Product: Credit card — Store credit card
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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Was the CEMENTING done on XXXX?? The answer is NO and i dare you to keep contradicting this when XXXX XXXX isn't claiming this. 

You can see XXXX XXXX 's statement in the Lab Case : " Patient called our office and emailed us that he found another office... the reserved operatory stay opened for him untill his time expired ''. 

The scheduled date for the cementing of the crown was XXXX but i canceled the appointment on XXXX after XXXX XXXX insisted on mixing porcelain with the material , contrary to what i ordered on XXXX. 

On XXXX, i went to XXXX XXXX to resolve this matter but instead, they handed me the crown-package AS IF I'M A XXXX WHO CAN CEMENT THIS INTO MY MOUTH. 
IS THIS THE SERVICE YOU ARE CLAIMING WAS DONE?? What service are you claiming was done?? which i paid {$1800.00} for at XXXX XXXX XXXX in 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 2024-08-24 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: NY

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: DC

Complaint narrative:
The school overcharged for loan servicing and used improper forms of documentation to have students sign in order to get loans without telling me any information they signed the loans with a computer form authorization of loans then waited during my school year to change rules and laws and regulations as it is a private school on classes all of my credits did not transfer used my certificate with another authority to try to state I was a illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief