vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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 2024-02-16 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX and list of Inquiries. 


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 a 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 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 2024-02-16 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 USC 1681. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 a 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 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 2024-02-16 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: 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 USC 1681. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 a 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 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 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TN

Complaint narrative:
My parents were divorced and my mother was going through XXXX at the time that I started college. Since she had remarried, I qualified for 0 FAFSA help and had to get a loan on my own. I chose Sallie Mae because I did not know any better and did not have any help at the time. I graduated in XX/XX/XXXXXXXX  and my loan payments began in XX/XX/XXXX. I made 1 total payment for XXXX. Unfortunately, the loan was already gaining interest while I was in college with {$100.00} to my name. I never noticed because I thought why would it incur interest before Im even supposed to pay? XXXX started and I continued making my {$500.00} payments until roughly XXXX of XXXX when my mother and I noticed how much I was paying. I was paying the minimum payment of {$500.00} a month and my loan was going UP not down as expected. I was doing absolutely nothing. My mother is now XXXX free and was able to help take out a home loan to pay off the Sallie Mae loan. This is the extreme steps we had to take to have anything BUT a Sallie Mae loan. From XX/XX/XXXX- XX/XX/XXXX I made my {$500.00} a month payments to Sallie Mae. Now as I received my 1098-E I see that in those 4 short months in XXXX, I incurred {$7000.00} in interest. I would have to be paying {$1700.00} A MONTH to have that loan not even go down, but remain the same. That is criminal. The home loan that I am helping now pay incurred {$500.00} in interest from XXXX - XX/XX/XXXXXXXX  total. On top of that, I made too much money to claim the interest from the loan on my taxes. However I could never justify {$1700.00} a month to Sallie Mae on top of my other bills of rent, utilities, groceries etc. Yet I was expected to nonetheless. In total my loans were only {$35000.00} and yet, it was projected to take me 30 years to pay it off. Again, that is criminal. This is a predatory company looking to gain their money by cheating XXXX XXXX XXXX XXXX. Its sickening truly to think that I at XXXX XXXX XXXX was so proud that I didnt have to bother my XXXX  and XXXX mother because I got a loan all on my own. I did it, I didnt need to bother her. Wrong, I got cheated and scammed and I will continue to warn other XXXX XXXX to be smarter than I was and never touch a Sallie Mae loan. This company should not be allowed to exist and I will stand by that until the day I die.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
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. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IN

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below. 

The payment history has been updated for these charged off accounts in recent months. Charge off accounts should not have an active payment history. This falsely manipulates the statute of limitations. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 
Sincerely, 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
XXXX XXXX XXXX, operating under the name XXXX XXXX XXXX has taken unlawful and fraudulent actions in an attempt to collect a debt for a XXXXXXXX XXXX XXXX XXXXXXXX account. They have never sent me any information about this collection account. No emails, no letters, and no contract. Upon making a call to their company I requested the contract, information about the lawsuit their attorney ( XXXX XXXX XXXX XXXX of Mandarich law Group , LLP ) filed with my local circuit Court, and information about the attorney himself. I was not provided with any of the requested information/documentation. I have a court date of XX/XX/2024 and I fully intend to countersue their company for taking such extreme measures to collect a debt that I was never properly notified of. I got divorced, had no job, and was struggling mental health disorders at the time this account went negative. So, I will take any and all steps necessary to bury them in court. Aside from that, they need to have their license to collect revoked with behavior like this and multiple class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had a auto loan with GM financial started in XX/XX/XXXX. The vehicle was repossessed XX/XX/XXXX, Charged off in XX/XX/XXXX. In XX/XX/XXXX the report changed to claim this vehicle was again reposessed. Each month thereafter, the status shows as XXXX until XX/XX/XXXX where the account changes to charge off. They claim the account was closed XX/XX/XXXX. I found this out when trying to obtain a new car loan. The bank denied me because my credit showed a repossession within 6 months ( they claimed the report said repossession was in XX/XX/XXXX ). I filed a dispute with all three credit bureaus. GM responded that the account is accurate, but updated the information. No changes have been made to the account. The time line still shows the same vehicle reposessed in XX/XX/XXXX, charged off in XX/XX/XXXX which remained the status until XXXX of XXXX when the previously repossessed vehicle was magically reposessed again. The status remains as XXXX until XX/XX/XXXX when the status changes to charge off. I do not understand how this information could be verified and considered accurate. The account should be closed as of the proper amount of time the creditor normally requires. A repossession can not be reposessed again! As a result of this erroneous information, I was denied the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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:
All sensitive financial documents and identifications have been stolen. This includes passport, license, and SSN. Also deed to my home has been taken. I am being proactive on information being used fraudulently. I am concerned that my wife may have shared the information due to having an affair. She has handled money and accounts online and has had access to all my passwords and usernames. I am ensuring nothing happens moving forward.

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 2024-02-16 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:
All sensitive financial documents and identifications have been stolen. This includes passport, license, and SSN. Also deed to my home has been taken. I am being proactive on information being used fraudulently. I am concerned that my wife may have shared the information due to having an affair. She has handled money and accounts online and has had access to all my passwords and usernames. I am ensuring nothing happens moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My student loans have been discharged. I have been working with the dept of education for months to resolve this. Yet the loans are still on my 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My student loans have been discharged. I have been working with the dept of education for months to resolve this. Yet the loans are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
My student loans have been discharged. I have been working with the dept of education for months to resolve this. Yet the loans are still on my 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank is advertising on XXXX XXXX website a credit card which gives a {$400.00} credit when you purchase an airline ticket on XXXX XXXX. Upon applying for this credit card by phone, the Citibank representative explained the card offer in detail. She advised that the {$400.00} credit would apply on my first statement. I was approved for the card, and purchased the airline ticket. Upon receiving my first statement from Citibank, it did not show the advertised {$400.00} credit. I called Citibank to ask why and the completely denied that the offer existed. During that same phone call I opened the XXXX XXXX website and the advertisement was still there! They continued to deny the offer existed. I spoke to a Citibank supervisor and they also denied the offer existed. I called Citibank again today and now they are saying to call XXXX XXXX. I called XXXX XXXX and they said they get mulitiple complaints about this Citibank card offer scam every week! So why are they still allowing Citibank to advertise on their site? This is outrageous, that a company as large as Citibank can get away with such a blatant scam.

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