vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: AZ

Complaint narrative:
XXXX XXXX  XXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by Credit Grantor . I have repeatedly been filing disputes with the credit bureaus and filed proof. XXXX is reporting they are unable to use my documentation, even though it is from US Bankruptcy Court, and lists the scheduled Creditors - proof XXXX was not involved. XXXX is requesting I pay out legal fees to get the US bankruptcy court to provide me with documentation XXXX was not included. Transunion, also is continuing to go round and round, stating " XXXX  is accurate '' based on the information they are providing. However, neither company is able to provide proof of XXXXXXXX XXXX  accuracy. XXXX, won't do anything and tells me to file with the credit bureau. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXX  payments come from the Trustee not consumer. The Bankruptcy was completed XX/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 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
The XXXX I attended described the student loan process to me ( XXXX ). I was informed that everything was taken care of during registration. They explained there was an option to use private loans if the Department of XXXX could not cover the cost of tuition. I was told that any private loan servicer, would offer flexible payment options. I was provided with statistics of graduation success rates. 

Nearly half way though my tenor in college, I was pulled out of class to work with financial aid to take out private loans. This would typically happen near finals - A high stress time as a student. I was told if I didn't take out these loans, I would be forced to drop out. I was on track to graduate with honors, and meet the " success rates '' of graduation, I was remined that if I did not finish my degree, I would have large sums of debt. With out the credentials to work. 

After graduation, and while actively applying for work. I received my first student loan bill. It was more than my monthly income. 

I worked with the private student loan department at XXXX. I was told my only option was forbearance. By the time I was able to start making payments on these loans, the capitalized interest ballooned from the ball park of $ XXXX at my time of graduation, to $ XXXX. 

Currently, my monthly payments on these loans are in the ballpark of {$XXXX}. with only ( XXXX ) {$XXXX} being put towards the principle balance. Despite my success in college, and XXXX. I have never earned what the school eluded to my earnings would be, XXXX, after hearing my story, has yet to work with me on my payments. 

I have attempted consolidation. I'm rarely excepted by other lenders. And if so, the monthly payments are higher than my simple apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-06-04 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is not my account and is fraud, Remove this account from 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 non-monetary relief
Consumer complaint received 2024-06-04 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:
XX/XX/year> Account name : XXXX XXXX XXXX XXXX investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.

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 2024-06-04 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been attempting to assume my FHA home loan with US Bank since XXXXXXXX XXXX XXXX.The most current attempt that I made was in XXXXXXXX XXXX XXXX and is ongoing. I have provided US Bank with every single supporting document/item that they have requested however I am unsure as to what the delay continues to be. I am tried of the bad business practices that continue happening within that department. I need help as I understand that is it not on their best interest for me to assume my current mortgage loan with my low to moderate interest rate compared to the current interest rate however US Bank is a part of the Fair Housing Act and my FHA loan is assumable.

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 2024-06-04 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-06-04 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: CA

Complaint narrative:
To whom it XXXX concern, I am writing to request assistance from the Consumer Financial Protection Bureau ( CFPB ) regarding my issue with the XXXX credit bureau. After conducting some research, I discovered that the CFPB is responsible for overseeing credit reporting agencies. I kindly request your consideration of this matter, as I urgently need to remove errors from my report due to medical reasons. 

I sent a letter on XX/XX/year>, citing errors and inaccuracies in my credit report. However, it has now been over 35 days and I have not received any response from them. I am providing the letters I sent out for you to review, as this will serve as my first step if I need to pursue this complaint further. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-04 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: TX

Complaint narrative:
XXXX, Equifax, and XXXX were informed that they were reporting inaccurate payment history for account XXXX XXXXXXXX. Equifax is reporting 30 days late in XX/XX/2023, while XXXX and XXXX reports 30 days late in XX/XX/2023. This is obviously an error on the CRA 's behalf, and this has been confirmed in the BBB response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/2023 as a goodwill. I was informed by the company that the late payment Equifax is reporting in XX/XX/2023 is not correct. I am demanding that the late payment is removed from all XXXX credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On or about XX/XX/year> I began trying to inquire about an alleged debt from JPMCB CARD that is being fraudulently, inaccurately, and illegally reported on my credit report with inaccurate information submitted to the different credit bureaus which is continuously damaging my credit. I requested validation of the alleged debt and never receive any validation whatsoever, and only continued getting updates of inaccurate and false information being reported to my credit report on the bureaus. I have recently obtained a new credit report with still false and inaccurate errors being reported on my credit reports and have decided to submit this complaint since my investigation requests are going unanswered with the company and bureaus. All disputes continue to only cause harm to my credit and this must be deleted to halt harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any third party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is 100 % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief