vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: UT

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX  Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it 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 2024-04-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my hand written instructions.

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 2024-04-18 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: AZ

Complaint narrative:
Have disputed an account that was fraudulent. Have requested debt validation and never received. Have filed an identity theft report over fraudulent account and company still reports verified. Please remove and stop reporting on fraudulent account immediately. This XXXX XXXX XXXX information in credit file is inaccurate and has yet to be deleted.

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 2024-04-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
Hi, Since the return of student loan payments, I have made several attempts to temporarily delay payments by means of general forbearance. Ive spoken to Mohela ( my servicer ) reps twice, who gave me conflicting information. 

The other XXXX attempts I made were denied with the following reasons for each : - request date too far into future ( which isnt true because I have over two years of forbearance left on my account, verified by Mohela employees ) - digital signature not accepted - wrong document uploaded, even though it wasnt I am simply trying to delay my payments for one calendar year so that I may get my finances in order so I can pay my loans, which I proudly accept as my responsibility. Mohela, on countless occasions, has given me the run around and has denied my attempts by moving the goal post for what is needed for a seemingly simple request. I am happy to speak to whoever can assist so I can get this moving forward. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
I see numerous fraudulent inquiries that I really wanted to remove. Kindly help me on the following : XXXX XXXX inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date 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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XXXX of XXXX, I did a XXXX XXXX XXXX with my credit union and on XX/XX/year> they mailed a check in the amount of {$3100.00} to be credited to my account ending in XXXX. I started receiving delinquent notices indicating my payment had not been received- I went back and forth between my credit union and Synchrony bank trying to find out what happened to my payment. They provided me provisional credit at least 3 times while they looked for the payment. Then they finally sent me a letter indicating that they never received nor cashed the check- even after I sent them a copy of the cancelled check from my credit union . The cancelled check clearly states it was cashed by Synchrony Bank on XXXX. My credit Union also contacted and wrote a letter about the check and sent them another copy. It has been almost a year and the check has still not been credited to my account. I got a final letter indicating that they still will not accept responsibility for the missing check. I can not put a stop payment on a paid check that old. I assure you that I have done everything I know to do except hire a lawyer to resolve this issue. Please help me recover my {$3100.00} dollars.

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 2024-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I submitted secured messages to Mohela saying I was unable to get customer service to help me and also unable to reach out to a supervisor. And also that it is difficult to use the phone system which also has long hold times. 

I uploaded documents that should prove that Mohela incorrectly denied my PSLF. I requested that mohela review my account again and get this corrected Their response was that I need to call in to their phone system to speak to a customer representative. I reached out via secured message in hopes I can get Mohela to finally address my issues but they diverted responsibility again and did not provide any service or even tried to address my issue... basically we are back at square one. 

Also the response took 10 days when it should only take 3 days I am not sure why I have to call in about this. Your response was basically I have to call in... then what is the point of having secure messaging? Isn't secured messaging a way to reach out to Mohela customer representative? 

I uploaded the documents needed. I was thinking I could message Mohela to request that they get the appropriate dept to review my documents that should apply my PSLF that was incorrectly denied. 

I do not want to call in because the hold times are ridiculous and I've had trouble calling in and have had no luck getting this resolved over the phone. 

Customer service points the finger at XXXX to do IDR adjustments when they have already done these and they keep telling me to wait. 

They did not provide me with a means to rectify their incorrect denial. They said I do not have enough qualifying payments even though I have more than double required. It is not showing in their system. I finally went out and got the info myself even though they said there was nothing I could do about it because I have to wait for XXXX even though XXXX already reviewed my account so nothing was ever going to get resolved Secured messaging is an avenue for contact with Mohela, I am not sure why you are diverting responsibility and requesting that I reach out to Mohela via phone to get this figured out when that is exactly what I am doing with secured messaging. 

Please explain why you are unable to get the correct person from XXXX to work my case. I have uploaded documents proving that I have more than enough qualifying payments. 

These issues have been going on for over a year and a half!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 08 XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. XXXX XXXX {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX {$960.00} Date Opened : XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights XXXX XXXX {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX  ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
I do not know these hard inquires so please remove these from my credit report. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however, they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX, XXXX account ending in XXXX. These include a 30 day late payment with NO POSTED DATE. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2024-04-18 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: NJ

Complaint narrative:
Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the 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 explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VETERIS CAPITAL LLC
State: AL

Complaint narrative:
Subject : Dispute of Debt Collection Communication from William Power LLC I am writing to inform you of a concerning issue regarding communication I have received from William Power LLC regarding a debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX as evidenced by XXXX XXXX : XXXX, I want to clarify that I have no knowledge of the debt in question. 

Given the circumstances of my situation, it is evident that this debt is not mine, and I request your assistance in resolving this matter promptly to ensure that my rights are protected in accordance with the law. 


Your prompt attention to this matter is greatly appreciated.

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 2024-04-18 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: MO

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


List : XXXX XXXX, XXXX, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which violates 15 USC 1681b. Credit Reporting Agencies have caused severe stress and anxiety due to their abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditor who posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.

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 2024-04-18 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: MO

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


List : XXXX XXXX  XXXX, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which violates 15 USC 1681b. Credit Reporting XXXX have caused severe stress and anxiety due to their abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditor who posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: IL

Complaint narrative:
This company was trying to fraudulently add information to my credit report. I tried to verify debt and they couldnt provide receipt or original contract for amount between XXXX XXXX and I therefore all three credit bureaus decided to remove. Please do not be complicit in spreading fraudulent information. 

This is a good will attempt to correct my report before legal action will be pursued. I have also made a complaint with the XXXX

Company response to consumer: Closed with explanation