vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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:
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. ACCOUNT : XXXX XXXXXXXX. Please remove this account ASAP.

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 2023-10-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10 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:
Theyre two closed accounts with XXXX XXXX that I never applied for and it fraudulent and due to 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 2023-10-10 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was victim an identity fraud victim. 
The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.

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 2023-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE.

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX LA XXXX XXXX these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!

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 2023-10-10 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:
According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. 

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!

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 2023-10-10 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} XXXXXXXX XXXX **** Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX XXXX Date Opened : {$360.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-10 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: GA

Complaint narrative:
I was denied a personal loan and creditcard with both saying that they could not identify me.I checked my credit report to find multiple mistakes.1.my name not spelled correctly.2 My date of birth was wrong.3.Physical address was wrong. the spelling of my first name was wrong.I sent all three bureaus a letter asking them to delete all incorrect information and remove these pulls from my credit report.I sent all three letters certified mail.

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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I started loan repayment in XXXX of XXXX and am targeting PSLF. With the changes around COVID, I currently have XXXX payments. I have worked for a non-profit or not-for-profit since graduating from medical school in XXXX of XXXX. The " missing '' payments occurred from XXXX. There are 3 distinct time periods that should all be considered separately but, it would be easiest if it were possible to retroactively change the entire time period to a " hardship deferment ''. 

1 - I was accepted into a " full time '' online MBA program which started in XXXX of XXXX. However, I did not receive credit for payments for XX/XX/XXXX and XX/XX/XXXX and it is not clear to me why. 

2 - from XX/XX/XXXX to XX/XX/XXXX, I was indeed in a " full time '' online MBA program. However, I reached out to my servicer, Navient at the time, and requested to be taken off of deferment due to my ability to pay and my goals for PSLF. The representative at Navient told me that this could not be done and that my " payments '' would still count. Again, I was working for a PSFL eligible employer at this time. 

3 - On XX/XX/XXXX ( through XX/XX/XXXX ) I was in a residency program at a non-profit hospital. A hardship forbearance was requested sometime prior to this because my wife and I were struggling to make payments on her loans. However, with the legislation changes, I did not get any credit for the time which was considered a " hardship ''. 


As such, I would respectfully request to have the entirety of this period switched to a " hardship forbearance '' and thus eligible to be credited toward PSLF. If that is not possible, despite the misdirection by the servicer Navient, I would request that each time period be considered in its individuality. The timeframe in part 1 has no reason to not be included and its unclear to me why - perhaps an " administrative forbearance ''? The timeframe described in part 3 is a valid reason for " hardship forbearance '' and the servicer simply did not change me over as appropriate for the timeframe. 

Thanks in advance for any help you can provide in this area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: OH

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 attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was approved for an American Express XXXX XXXX which is a rewards travel credit card on XX/XX/2023. The main reason I applied for the card was because of the rewards benefits which advertised that I would receive XXXX point for each dollar of regular purchases and XXXX the number of points for purchases in the travel and transit categories. After having the card for 4 months, I have noticed that I am not receiving the XXXX points for travel and transit categories that I should have earned. I reached out to the company by chat and the representative admitted that I was correct! She confirmed that I was not receiving the XXXX the number of points for the travel and transit categories which I was making purchases in. She even noticed that I was not receiving points for other purchases I made. She said she would file an investigation but the issue was never fixed and when I tried to follow up again with the company, I was not given any information or assistance. 

I feel I have been lied to and I would not have paid the {$150.00} annual fee for the card if I was not going to receive the rewards points as advertised since I intended to use them for travel benefits. 

In addition to this, I was promised a {$200.00} statement credit which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have reviewed my credit report and found that the inquiry was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  i did not apply for this account

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 2023-10-10 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reviewed my credit report and found that the inquiry on XXXX XXXX  was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. It's a federal crime to furnish and report the same or multiply accounts on an alledged debt, this is a violation of 15 USC 1692e - False and misleading.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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