vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
Someone has stolen my identity. I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Equfax and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
XXXX, XXXX XXXX XXXXXXXX, DELAWARE CO DRS, XXXX XXXX XXXX XXXX, LOCKHART, MORRIS & MONTGOReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX, XXXX XXXXXXXX XXXX, DELAWARE CO DRS, I C SYSTEM INC, XXXX, XXXXXXXX XXXX XXXXReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

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 2024-01-19 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: NC

Complaint narrative:
Incorrect personal information displayed on personal credit report.

Have attempted multiple times to have this information removed without any success.

My credit report personal information is showing an address that I have never resided at and an employer that I have never worked at.

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 2024-01-19 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 became a victim of the Equifax data breach, during which my personal information was sold and acquired illegally. Consequently, I am requesting the immediate removal of certain items from my credit reports. Enclosed is evidence demonstrating Equifax 's inaction in this matter. I urgently need assistance in expunging these unauthorized accounts from my credit reports. The items that require deletion from my credit report are as follows : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX EQUIFAX MORTGAGE SER Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
EXPERIAN is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. 

My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for EXPERIAN to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. 

Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. 

After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. 

THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. 
They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. 

I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
This complaint is due to my account being placed in default and charged {$10000.00} in interest due to delays and errors in processing my IDR application.

I filled out my application for IDR/SAVE on XX/XX/XXXX via the studentaid.gov website. Noticing my application wasn't processed after the XXXX  day processing time, I called MOHELA on XX/XX/XXXX and was told that I need to resubmit my income self-certification because it was never received ( even though it was uploaded on the studentaid.gov website.

MOHELA then placed me on administrative forbearance and continued to charge me thousands of dollars in interest and application was still not processed. The administrative forbearance ended on XX/XX/XXXX and I was charged a monthly payment of about {$3400.00} ( when my SAVE plan payment should've been {$300.00} ). My account therefore went into default. 

On XX/XX/XXXX, I called and spoke with XXXX who transferred me to the advanced team and I spoke with XXXX. XXXX was helpful but did not offer an explanation for why application has still not been processed. XXXX stated that if I pay {$5.00} immediately over the phone she can process the application. I promptly complied and paid the {$5.00}.

After some additional delays my account now shows that I am in the SAVE plan and that my first payment is due on XX/XX/XXXX. However I still have the following XXXX  problems that I contacted MOHELA regarding at least XXXX times both by phone and email. 

1 ) My account was charged {$10000.00} in interest that should '' ve never been charged had I been allowed to make my monthly payments. I would like to get this money refunded. The XXXX XXXX stated that people in my situation will not be charged interest until matter is resolved. But I can't get MOHELA to honor the directive. 

2 ) Due to the delays, my account is in default. I called regarding this on XXXXXX/XX/XXXX and was told that my account should've never been taken out of forbearance while waiting and that the finance department will be contacted to fix this and take my account out of default. This still has yet to happen and my account is past due for about {$3700.00}. I am concerned that the default will not allow my future payments to be accurately applied to my monthly payment and therefore I will miss out on the subsidies that the SAVE plan provides. 


Thanks for your help XXXX XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
The agency keeps harassing me about some debt I have no knowledge of. Ive asked for some type of verification, but they never provided anything. They just say its an auto dealer. Thats it. No contract, no actual details of anything at all. I filed a motion against them and while in court the judge asked him what exactly the debt was for and he responded I dont know. Afterwards my motion was granted and eventually the judge released me from the writ of garnishment, but yesterday I got an email from the guy again! Demanding I tell him things and send him documents and I dont know what hes talking about. I am tired of going to court. He just wont stop bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-19 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-19 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: TX

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2024-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: MA

Complaint narrative:
Good Morning, The name of the Company is Real Time Resolutions , Inc . This was for a second mortgage. We were trapped in a Subprime mortgage. We had done a modification in XXXX. Since that date we had not heard from the above company until now. We thought they were included in our modification, never questioned it since we had not heard anything from them until now. They first sent a lawyer after us and once lawyer sent XXXX letters we received a statement from the company. I have been horrified and checked the XXXX XXXX XXXX  and saw several complaints there. My son found this information and sent it to me. They have added thousands and thousands of dollars of interest to this also. They said they are going to start foreclosure on us unless we pay or can apply for a modification for the mortgage which currently with interest it is 3 times the amount of the original which was XXXX XXXX I believe. XXXX XXXX is XXXX of the most recent from the lawyer. I had sent them my modification to show them. They still responded with threats of foreclosure. In XXXX during this whole process which was stressful enough we lost our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So needless to say that year was the worst ever. And alot of it is a blur. But we were taken back and thought it was a scam but the letters kept coming. I don't understand at all. If they were not part of the modification why did they wait XXXX years to say or do anything? 
I am just at a loss and could become homeless. I have been trying to put it off and I have read my modification and I really can't tell one way or another. 

thank you so much in advance for any guidance you may have to offer Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
I was going through a rough patch in my life I needed a quick loan for a lawyer and I found maxlend. Quick and polite people, now I found out my apr is 588.38 % .Telling me I cant have any type of lawsuits. Ive already over XXXX for a {$1200.00} loan barely a dent was made.These people rob the poor and take advantage .Everyweek money is taken out .Predatory loaning at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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