vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information CHAPTER XXXX BANKRUPTCY DISMISSED US BKPT CT XXXX REFERENCE NUMBER XXXX XXXX XXXX BANKRUPTCY DISCHARGED US BKPT CT XXXX REFERENCE NUMBER XXXX I have even spoke with all three bureaus to inform them that XXXX Bankruptcy Court stated they do not report any public information to my credit profile. This has been a nightmare. Ive been dealing with this for years with inaccurate information on my credit profile. 
You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information XXXX XXXX BANKRUPTCY DISMISSED US BKPT CT XXXX REFERENCE NUMBER XXXXXXXX XXXX XXXX BANKRUPTCY DISCHARGED US BKPT CT XXXX REFERENCE NUMBER XXXX I have even spoke with all three bureaus to inform them that XXXX Bankruptcy Court stated they do not report any public information to my credit profile. This has been a nightmare. Ive been dealing with this for years with inaccurate information on my credit profile. 
You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You 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 2024-04-26 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiry immediately. 
XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
To whom this may concern, I want to first thank you for looking into this matter. This account shows in accurate information and should be removed immediately. I have attached an image of my most recent credit report, and as you can see, this account is not accurate across all three credit bureaus. I have reached out to the credit reporting agency multiple times, and I have not gotten a response. Please provide information showing accurate information. By law all inaccurate information must be removed from credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
After filing my taxes for XXXX, I submitted paperwork through the XXXX website to recalculate my student loan payment for the XXXX repayment plan to use my lower XXXX XXXX. MOHELA received this application on XX/XX/XXXX. After processing the paperwork, they calculated my monthly payment amount to be {$110.00}. This amount is incorrect as it uses the XXXX XXXX XXXX XXXX amount for the 225 % deduction rather than the XXXX XXXX XXXX XXXX, meaning my payment should be lower ( specifically, $ XXXX ). 
On XX/XX/XXXX, I called MOHELA in an attempt to resolve the problem. I spoke with XXXX ( XXXX ID # XXXX ). XXXX put in a request for my monthly payment amount to be recalculated after I shared what the problem was and what the correct amount should be. XXXX said that I should hear a response in my Messages inbox on the MOHELA website within XXXX business days. 
MOHELA put a processing forbearance on my account when I originally submitted my IDR documents on XX/XX/XXXX that expired XX/XX/XXXX. This meant that I would have a bill due in XXXX. More than XXXX business days passed and I heard nothing from MOHELA. I called again on XX/XX/XXXX and spoke with XXXX ( Employee ID # XXXX ). XXXX informed me that on XX/XX/XXXX, my request was cancelled by MOHELA. There was no notification of this cancellation nor was there a reason given for the cancellation. I filled XXXX in on the situation and she told me I need to fill out a paper application and submit it directly to MOHELA and they will recalculate it using the correct XXXX Federal Poverty Guidelines figures. Another processing forbearance was put on my account until XX/XX/XXXX so MOHELA could resolve this issue. 
I submitted the paper application immediately after getting off the phone on XX/XX/XXXX. A few days later ( around XX/XX/XXXX ), MOHELA denied my application due to financial information not being provided ( even though I selected on the paper form permission for the IRS to provide that information to MOHELA ). I resubmitted the form on XX/XX/XXXX with a copy of my XXXX XXXX and a breakdown showing how the correct payment amount of {$110.00} is calculated. On XX/XX/XXXX, MOHELA approved the application and provided a letter showing that my monthly payment amount will be {$110.00}, again calculating the payment based on the XXXXXXXX XXXX XXXX XXXX  and not the XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-26 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: WI

Complaint narrative:
I have received print out of my New XXXX XXXX report from trans union which Cfpb services assistance verfiies attorneys regarding on going complaints dispute after l provided information no changes on the credit report transunion will be expose how horrible there reports companies attached information is still showing on my transunion report which been disputed since XX/XX/year> Companies XXXX XXXX Account XXXX not mine account XXXX XXXXXXXX XXXX XXXX Account XXXX Not mine account XXXX  XXXX XXXX Not mine account XXXX XXXX XXXX XXXX XXXX already information doesn't match ( XXXX XXXXk ) Identifications Wisc been sent Threw cfbp XXXX XXXX XXXX XXXX didnt match remove it XXXX Information been provided removed this from off my account Accounting XXXX XXXX  XXXX Delete information don't match Wisconsin drivers license XXXX  XXXX XXXX  Delete XXXX XXXX XXXX Payment history not accurate Delete information

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 2024-04-26 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: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX IRA 's were purchased from XXXX XXXX Bank XXXX XXXX in XXXX. When the IRA 's were presented for payment Wells Fargo refused. The whole backbone of IRA 's is the basic trust that an institution will maintain accurate records and subsequent disbursement of funds. Wells Fargo broke this trust. We demand Well Fargo produce an accurate value assessment of the IRA 's purchased and a year by year notation of the applicable interest rates.

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 2024-04-26 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the mentioned accounts contain inaccuracies in terms of reporting, incorrect amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
I have tried to get in touch with a manager about the multiple transactions that were not authorized by me after my cash app card and ID card were stolen. These charges started on XX/XX/XXXX and ended on XXXX XXXXfrom XXXX on the following dates. 

XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX  transaction XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXXXXXX  transactions XX/XX/XXXX XXXX  transaction XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX   transactions XX/XX/XXXX transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX transactions XXXX = {$2900.00} XXXX {$1200.00} I have lost {$4200.00} due to all these charges and no one from cash app is helping me. I have spoken to XXXX who gave me his ID number as XXXX but then he started asking me to download something in my XXXX  Store so that he could make sure my security features are corrected. 

On XX/XX/XXXX I got 6 emails stating my cash app card was closed due to not verifying my Identity but I have already verified my identity weeks ago and the app clearly shows it's verified. Daily I get emails saying that my case was closed but they will not provided any information as to how they have obtained that decision. All the transactions are the same yet they have refunded {$200.00} XXXX  charges for {$19.00} each if those were fraudulent how could the remainder of these not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In Accordance to the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
Violations of The Fair Debt Collection Practice Act the Equal Credit Opportunity Act and The Truth in Lending Act 1968 and The Fair Credit Reporting.

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 2024-04-26 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: NC

Complaint narrative:
Violations of The Fair Debt Collection Practice Act the Equal Credit Opportunity Act and The Truth in Lending Act 1968 and The Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 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 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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I have sent the company a request to settle the loan with endorsement of coupon acceptance for value in accordance with the bill of exchange Act and have given them the opportunity to do business in good faith. They have not responded in good faith and have no intention whatsoever of making any kind of payment. They have made a statement of intent to collect after acknowledgment of receipt of my payment in full and in accordance with Ucc 5.1, bill of exchange act and 15 U.S. Code 1602 - Definitions and rules of construction, 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I have informed the company that they are in fact in violation of the law and I was told that they have found no evidence of violation. Furthermore I am currently in good standing with the company and have sent to the company for title but to avail I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief