vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 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: GA

Complaint narrative:
I am a XXXX XXXX account member which allows members to access their free credit score and report through XXXX XXXX XXXX XXXX XXXX However, when creating an account online through the XXXX XXXX app with XXXX XXXX XXXX XXXX that able to obtain your credit report and other information through TransUnion Interactive INC a wholly owned subsidiary of TransUnion. 

On XX/XX/XXXX, I viewed my consumer credit report on XXXX XXXX XXXX XXXX XXXX sponsored by TransUnion Interactive IncXXXX, records information inaccurate, past due, balance, outdated collection information, and two public records bankruptcy filed on XX/XX/XXXX, that don't belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Upstart Network Inc. In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc. Despite my attempts to dispute the account, Upstart  maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX XXXX data breaches has put me at risk of fraudulent activities, and Upstart 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX, which was cited for unfair lending practices in XXXX by Consumer Financial Protection Bureau. I have disputed my student loan balance for many years, and to date my loan is still {$18000.00} and taxed at 8.5 % interest. 

I started college in XX/XX/XXXX and at the time I received Pell Grants to fund my education. Additionally, I served in the military for 16 years ( Army Veteran ) and the Department of Defense paid {$20000.00} via my GI XXXX XXXX towards my student loans. 
I started college at XXXX XXXX XXXX in XX/XX/XXXX and at that time I believe I was awarded a XXXX XXXX to fund my education cost. 
After leaving XXXX XXXX, I attended XXXX XXXX XXXX, a local junior college for XXXX years and transferred to XXXX XXXX XXXX. After one year, I transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in XXXX, earned my Bachelor of Science Degree and graduated in XXXX. 

Between XXXX, a personal banker at XXXX convinced XXXX to consolidate all my student loans into XXXX loan. At the time I was young and naive, and I did not understand the ramifications of this financial arrangement and certainly did not know that this debt would morph into a massive balance due to high interest. 

The interest rate has never fallen below 8 % and I have been struggling to pay this loan off for many years. I am now XXXX XXXX XXXX and 90 % service-connected XXXX per VA and I would like to have my loan reviewed for accuracy and request loan forgiveness due to all the mismanagement, massive fees, high interest rates and late fees. 

Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. 
Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the Education Department and borrowers. 

I have never been able to write off payments on my tax refund, I have been charged late fees and massive interest and many other issues with XXXX loan which is now served by Navient student loan. To date, I still owe {$17000.00} on my loan despite many payments, consolidations, and the Department of Defense payment due to the high interest rate and constantly transferring my loan from one servicer to another. Its as if the Department of Defense payment were never made. 

Thank you, XXXX XXXX XXXX, XXXX  XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2024. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-01-14 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2024. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: FL

Complaint narrative:
My information was sold and bought illegally because I am a victim of XXXXXXXX XXXX XXXX. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negatives Inquires on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX XXXX, Date ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( two for the same date which is against the law to do so ) XX/XX/2023, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through XXXX web and XXXX XXXX from XXXX XXXX All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

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 2024-01-14 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 am submitting supporting documentation to have three fraudulent accounts removed from my Equifax Credit Report, which Equifax is clearly in violation of the U.S. Constitution and HJR 1902. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. Equifax, Ignorance of the law is no excuse. I have shown you and you have been put on notice that you are reporting inaccurate and fraudulent information. The continued reporting of this inaccurate and fraudulent information is a clear violation of the Law 15 USC 1681 s-2 and HJR 192 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate and fraudulent reporting. This is my 3rd time and final attempt to correct this matter before I take this to court a file a lawsuit to seek damages for not comply with the FCRA and HJR of 192.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XX/XX/2024 My account was restricted with no response from the company why and my funds are in my account unable to to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: MD

Complaint narrative:
I recently checked my credit report and saw charge-off accounts reporting that I do not recognize

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In the period from XXXX to XXXX, my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXX, a loan in the amount of {$5000.00} was applied for with XXXX XXXX XXXX. Despite my attempts to dispute the account, XXXX maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX 's data breaches has put me at risk of fraudulent activities, and XXXX 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft 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 non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have checked the credit report of Experian and found out the discrepancy between your credit card company record and this credit report company payment history. Even though I paid off all monthly charges of your company, this Experian credit report states I have not paid off. Therefore, I request your company and this Experian will check this discrepancy to clarify the matter for me, especially because this Experian online report has changed content often. Recently, without my consent, the content was changed due to the deletion of record. Also, the account balance of XX/XX/2023 shows the discrepancy, too. 

Sincerely,

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 2024-01-14 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:
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 USC 1681. 



XXXX  CHILD SUP : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please be advised that this is my FIFTH WRITTEN REQUEST asking you to remove the accounts that I have listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to review and remove the listed accounts on my credit report. 

XXXX 's XXXX XXXX, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit : to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I ask that you Promptly DELETE all the accounts that I listed. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

THE LISTED ACCOUNTS HAS ALSO VIOLATED MY RIGHTS 15 U.S.C 1681 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 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 non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AL

Complaint narrative:
I have not had a chance to reach them to request information. Mohela is so confusing and they are never available within the hours they have posted online. When repayment restarted, the payment was lower. My income has not changed since repayment started, but now they are saying that my payment has changed. It was {$380.00}. Now on two different pages on my account show two different amounts. My " Home Page Payment Information '' shows that starting XX/XX/XXXX, I have to pay {$800.00} a month. I absolutely can not afford that. Then when I go to my " Account Overview, '' it shows that my monthly payment amount is XXXX. I don't understand and I'm scared. Mohela is the worst company who has ever had my loans and it feels like they want to make the payments unreasonable so they can charge late fees, which will add interest and give them more money. '' I don't know what to do. I am going to try to call again over the next several days, but it's either extremely long hold times and then your call gets " accidentally '' hung up or long hold times and then they say they are closed even though I called within the hours posted that they are open. I feel like I will die and these loans will still not be repaid. I'm scared!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Attachment ( s ) for proof of claim, violations of Privacy Act of 1974, CFR regulations and natural law rights violated.

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 2024-01-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This act not only violates the FCRA but also infringes upon my fundamental right to control the dissemination of my personal information. Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ), it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency. Portfolio Recovery Associates. Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the above collection agency failed to provide me with an explanation of how I can exercise my right to nondisclosure. This collection agency has no contractual agreement with me about any debt that I owe them ; when asked to provide, they can not, and they have violated my rights as a consumer again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the experian, XXXX, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? I'm asking for debt validation with my signature for each company i list. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy. 15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions. 15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years. 15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate. If these companies are not removed off of my credit report I will have no choice but to take an action of recourse. Thank you for your cooperation.

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