vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Between the years XXXX and XXXX, I was the victim of identity theft from XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. In addition, mortgages, cell phone and utility bills as well as defaulted credit cards were also illegally obtained. This required me to hire an attorney in order to send multiple letters to all the credit agencies to try and give me the information necessary to fix my credit. This was done and everything was fine for a few years. However, in XXXX I was the victim of multiple degrees of identity theft where someone defaulted on a credit card that was valued at {$35000.00} in the State of Delaware. Multiple utility and electrical accounts from Illinois, Ohio and other regions of the United States were defaulted as well. As a result,! had to hire another attorney named XXXX XXXX XXXX to handle the case. We prepared our case and had to go before the Bankruptcy Judgement Court in XXXX, NJ where I pled XXXX  XXXX bankruptcy, only owing about $ XXXX {$7000.00} in actual personal debt. This was done because! had to shut my credit down so that people using my credit could no longer apply for it. The next stage was filing with the Social Security office in XXXX and pre-supposition that we were going to court to plead the case for the identity theft and have the bankruptcy removed. Unfortunately, by the time we got to the court system it was not until about XXXX. Due to all the backlog at Social Security I was not allowed to stand trial for my XXXX  XXXX Bankruptcy and subsequent identity theft. As a result, I've had to bear the brunt of a financial hardship and predatory loans and high interest credit cards because the XXXX  XXXX Bankruptcy is still appearing on my credit over 7 years after coming out of receivership. In spite of two different Senators Offices being involved and months of trying to get answers from Social Security, 1 would ask why I have not had my Social Security Number remedied and the bankruptcy not removed at this point. I'm free to discuss this whenever necessary. You may reach me by email at XXXX or by cell phone at ( 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 explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Thursday, XX/XX/XXXX Subject : Public Service Student Loan Forgiveness. 
My name is XXXX XXXX, and I have applied for Student Loan Forgiveness through the loan service company ( XXXX ). The issue with my case, is that AidAdvantage is my loan servicer. My account number with AidAdvantage is XXXX. 
In trying to understand and navigate this process, I have contacted both AidAdvantage and XXXX and there still appears to be a lack of communication on how to process loan forgiveness applications for loans serviced by other companies. AidAdvantage has conveyed that they can not do anything until they have been notified by XXXX, and during my discussion with a XXXX representative, they were initially unable to understand that unless they established direct communications with AidAdvantage, my request for student loan forgiveness would not remain unresolved. Bless their hearts, but I can not imagine these corporations not thinking through how they would communicate the loan forgiveness to other service providers. I kid you not, my discussion with incredulous. The poor representative had to constantly reach out to her supervisor who really could not provide her a definitive response on how to resolve this matter. They did convey that someone would call me from their office within 24 to 48 hours and of course, I have not been contacted. 
XXXX has conveyed they do have my approved application for loan forgiveness, however, they have not reached out to AidAdvantage because they really have not thought through that part.

When I have contacted AidAdvantage in the past, they have indicated that they have not been contacted by XXXX to transfer the loan. 

While I appreciate all of the effort going into this program to make this happen, there must be something done to fix this disconnect between these institutions. 
XXXX has expressed that I may want to contact AidAdvantage and ask them to forward my loan to them as the new service provider, but this really makes no sense because AidAdvantage has no way of knowing whether I in fact have applied for loan forgiveness. 
Again, I applied for this forgiveness XX/XX/XXXX. So, you can understand my frustration. 
Please help me, the interest on my daughters loan is beginning to pick up and I really do need assistance. 
I can be reached at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
As of XX/XX/2024 XXXX, Transunion, and XXXX do not have my XXXX  loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.

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 2024-03-07 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: TX

Complaint narrative:
As of XX/XX/2024 XXXX, XXXX, and Equifax do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
As of XX/XX/2024 Experian, XXXX, and XXXX do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.

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 2024-03-07 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: SC

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. These are the following account need to be removed : XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by CONTINENTAL FINANCE.

Specifically, I allege that CONTINENTAL FINANCE has engaged in the following unlawful practices : Non-compliance with opt-out requirements ( 15 U.S.C. 6802 ) : This section mandates that financial institutions provide consumers with a clear and conspicuous explanation of their right to opt out of sharing nonpublic personal information with non-affiliated third parties. I have never received such notification from CONTINENTAL FINANCE on two separate accounts.

Failure to honor opt-out rights ( 12 CFR 1016.7 ) : This regulation grants consumers the right to opt out of information sharing at any time. I hereby exercise this right and formally opt out of any further disclosure of my nonpublic personal information to any non-affiliated third party for both of my accounts with CONTINENTAL FINANCE.

These violations have caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter thoroughly and take appropriate action to hold CONTINENTAL FINANCE accountable for their violations.

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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NY

Complaint narrative:
The XXXX XXXX XXXX sent this to a collection agency I don't know any XXXX XXXX I live in XXXX XXXX XXXXXXXX we use XXXX XXXXXXXX I sent the a police report and FTC XXXX and still remains on all three credit reports I want this to go to all three credit bureaus this is not me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07 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: FL

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-03-07 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: AR

Complaint narrative:
Experian is still showing the account is opened and owe over {$6000.00}. Experian is reporting that i had four late payments after the car was traded in.

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 2024-03-07 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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD.

I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-07 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: CA

Complaint narrative:
they used my credit to apply for different products and transunion is not removing them. They have been confirmed as fraud by creditors. Please see attached documents. 
in regards to case XXXX to transunion

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 2024-03-07 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2024-03-07 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: MA

Complaint narrative:
I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm

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 2024-03-07 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: SC

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. These are the following account need to be removed : XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One reported to XXXX XXXX that I have a balance of over {$12000.00} when i have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take 60 days or more and in the meantime, my credit score is down the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake.

Company response to consumer: Closed with non-monetary relief