vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Previous compliant was addressed by company who said they would remove my account from the day sent to collections. It is still on report with orginal amount. It shows currently I owe XXXX but remains on my report with orginal collection amount. The date they refer just showed it sent to collections. Which is not what they said they would do. If the entire account was sent to collection the company stated that violated their own policy and would be removed. The XXXX balance next to the orginal amount and that it was sent to collection remains on my report. Last complaint was closed because they said they would remove it completely. This was months ago already. This had been a costly frustrating ordeal that has really XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NY

Complaint narrative:
The following account XXXX XXXX XXXX has violated my federal protected consumer rights. I noticed some things that are incomplete and inaccurate on my credit profile.According to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested. 
Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

( ix ) The current amount of the debt. 

This is a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices to inform TransUnion to provide evidence that I have any legal obligation to pay the alleged debt, including the following documentation : Agreement with the creditor that authorizes to collect on this alleged debt ; 1.The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2.Proof that the Statute of Limitations has not expired ; 3.Complete payment history on this account along with an accounting of all additional charges being assessed ; 4.Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

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 2024-09-15 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I was rejected on multiple occasions for unknown reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
My credit reports are displaying inaccurate information for all three major credit bureaus for The XXXX XXXX account showing the account status as bad debt when the account should display paid as agreed or payment plan pp. This account is not bad debt and in actuality is being paid as greed. The account balance is XXXX! XXXX shows there information for this account as charged off as bad debt, showing a balance of XXXX, which needs to be properly updated as paid as agreed. Experian displays the XXXX XXXX account as unpaid, and a balance of XXXX, which needs to be updated as paid as agreed including false updates with this report. Also, XXXX displays the information on this account as Charge off, with a balance of XXXX which the account status should display paid as agreed. The report date is referencing XX/XX/XXXX. I have paid on this account as of XX/XX/XXXX. The debt was sold to a lawyer could possibly be an impersonator of a lawyer for XXXX XXXX. XXXX  XXXX has sold their rights to this debt and should not be able to provide information upon an account they no longer have ownership of. I have been making payments on this account since XX/XX/XXXX. By law my credit reports should be updated to show that I am not negligent. The current balance on this account is XXXX and my utilization should not be 97 %.

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 2024-09-15 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. XXXX, TransUnion, and XXXX are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. XXXX, XXXX, and Equifax are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MN

Complaint narrative:
I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX  which I have provided and I have 2 court rullings in my favor on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXXXXXX  but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address 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 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 2024-09-15 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: MN

Complaint narrative:
I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXXXXXX  that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX  b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXXXXXX  which was filed aginst me in XX/XX/XXXXXXXX  but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax documents- There is some confusion on the information that I provided to Equifax XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXX but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other AddresXXXX 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 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business  : XXXX XXXX XXXXXXXX Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business : XXXX XXXX XXXX Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX  and charge off years XXXX

Company response to consumer: Closed with non-monetary relief