vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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:
Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXXXXXX XXXXAccount Number : ** XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05 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: NRA Group, LLC
State: NY

Complaint narrative:
According to XXXX XXXX XXXX, National Recovery Agency is not licensed to collect debt in the state of XXXX XXXX where I reside. I am not liable for this debt of {$2700.00} with National Recovery Agency Account number XXXX. I do not have a contract with National Recovery Agency, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that I am aware of my rights under the FDCPA and will take necessary legal action to ensure they are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XX/XX/XXXXaccount was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXXXX/XX/XXXX placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for {$580.00}. 

I have attached a copy of my most recent report highlighting these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXX account that was opened during the COVID pandemic and fraudulent activity was done on the account was never given a legal or law notice or review or even offered any type of relief or deferred arrangements. No investigation was done by the company into the fraudulent charges or how the account was opened without authorization of the private data information holders consent. XXXX and XXXX continues to report the account without proper validation and this there has been clear violation of permissible purpose, as well as once fraud was declared on the account the due process was not taken by none of the above mentioned companies to validated how the account was open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: LA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank, XXXX is charging {$41.00} late fees. 
As of XXXX XXXX new fees should be {$8.00} per your ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NV

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and noticed unauthorized inquiries. I need these inquiries removed. When I contacted Equifax about the hard inquiries, they were unhelpful and seemed skeptical even though I had already filed an FTC report. However, when I spoke with XXXX, they were more cooperative and put the inquiries under dispute, making the process easier. These unauthorized inquiries are affecting my credit, and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
I was checking identity theft information through my XXXX account. It had a link to EquiFax. When it opened my address had been completely changed. It listed my po box as an apartment number and had my po box number listed in another town, the next one over. This happened once before with XXXX. A triple credit bureau monitoring had been set up through XXXX after confirmation of a data breach " XXXX or earlier ''. My password had been changed and my cell phone was blocked ( I haven't had an XXXX landline since XXXX, XXXX ). I was finally able to access my credit report through XXXX and found ALL the fraudulent information was put back on my accounts. the spelling of my middle name had been changed. I filed a dispute at that time and it was fixed. This time I have been locked out of BOTH XXXX and Equifax. I called but am unable to update the information until tomorrow. I am being targeted. I have filed XXXX, FTC, FCC, and Identity theft reports giving the name, address, landline number, XXXX XXXX business account phone number and all were verified by the data breach. The IRS is currently investigating possible identity theft for my current tax filing. I DO NOT HAVE A COMPANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, navy Federal all have debit card checking scam where money or personal info has been fraudulent use in my name. Since 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 2024-08-05 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it emphasizes the necessity for consumer reporting agencies to carry out their duties fairly, impartially, and with due regard for consumers ' privacy rights. Notable among these agencies are Equifax, XXXX, and XXXX, where I act as the consumer. Protecting my confidential data from disclosure is paramount, as reinforced by 15 USC 6801, which underscores financial institutions ' obligation to uphold customer privacy and safeguard their nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it's stipulated that consumer reporting agencies may provide consumer reports only under specific circumstances, primarily upon receiving written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agenciesEquifax, XXXX, and XXXX my consent to furnish my information, particularly without written authorization. Any form of consent given to these agencies or information providers to credit agencies, whether explicit or implied, is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without explaining how consumers can opt out of such disclosure. However, the information provider to credit agencies failed to inform me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. The inclusion of the account without my consent constitutes an adverse item, violating the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), furnishing inaccurate consumer information to consumer reporting agencies is prohibited. Equifax, TransUnion, and Experian also fail to maintain reasonable procedures to avoid violations of consumer reporting standards, as mandated by 15 U.S. Code 1681e. Lastly, 12 CFR 1016.7 asserts that consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

I am writing to formally dispute the reporting of a charged-off account on my credit report, specifically the reporting of a Form 1099-C issued for the account. I believe there has been an error in how this information has been handled and reported.

According to IRS Publication 4681, " Canceled Debts, Foreclosures, Repossessions, and Abandonments, '' Form 1099-C is used to report the cancellation of debt. It is important to note that while this form reports the cancellation of debt, it is not necessarily a declaration of taxable income in every instance.

The IRS publication outlines that a Form 1099-C is considered a certificate of indebtedness and Income can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/year>. 
Collection account from XXXX with account # XXXX and a balance of {$15000.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The original creditor is XXXX XXXX. 
Upon review of my updated credit report, I found this account to be in error. I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: DC

Complaint narrative:
I submitted my application on studentaid.gov to change my payment plan to the SAVE plan. After completing my application and being approved, it was up to Mohela to implement the plan on my account. They did not. I called them several times to understand why they didnt move me to the new plan. You can see the number of times I called them below : XX/XX/XXXX XX/XX/XXXX ( x2 ) When I finally reached someone, they told me to apply again. After some time, I noticed that I still wasnt moved over to the new plan. I called again. 

XX/XX/XXXX After this time, they told me to apply again, at this point having submitted at least three applications, and still, I have not been moved to the SAVE plan. 

I understand the stay put on issuing the plan on borrowers as of XX/XX/XXXX, but the fact of the matter is they never moved me to the SAVE plan before this date despite my efforts. 

Mohela is a predatory servicer that shows complete incompetence when it comes to processing and managing loan plans for borrowers who are trying to make their payments more affordable. If it were up to me, Mohela shouldnt be allowed this much power and authority while exhibiting harmful levels of negligence impacting thousands if not millions of people just trying to repay their education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  account that was opened during the COVID pandemic and fraudulent activity was done on the account was never given a legal or law notice or review or even offered any type of relief or deferred arrangements. No investigation was done by the company into the fraudulent charges or how the account was opened without authorization of the private data information holders consent. Transunion and XXXX continues to report the account without proper validation and this there has been clear violation of permissible purpose, as well as once fraud was declared on the account the due process was not taken by none of the above mentioned companies to validated how the account was open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibleaccuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of thereinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation