vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: NJ

Complaint narrative:
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of XXXX is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # XXXX, XXXX need for information with the rights of individuals to privacy. 
The Privacy Act of XXXX XXXX Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; XXXX record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

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 2024-10-27 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: TX

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, which left me extremely concerned. I routinely check my report, but this time, there were strange discrepancies. Refreshing my browser didnt fix it, and now Im left feeling uneasy. I need this issue addressed immediately with a thorough review of the documents I provided, so I no longer have to worry.

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 2024-10-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was stunned to find inaccurate accounts on my credit report this afternoon and am completely at a loss as to why theyre there. I review my credit report regularly, and today, out of nowhere, discrepancies appeared. I even refreshed my browser, hoping it was a temporary glitch, but the accounts remained. Because of this situation, Im requesting that my submitted documents be reviewed carefully so I can have peace of mind 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 2024-10-27 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:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I applied for consolidation and the XXXX plan on XX/XX/year>. My loans were dispersed to Mohela on XX/XX/year> and I was placed on a standard level repayment plan that would come out to {$2500.00} per month. 
According to studentaid.gov, I should have been placed in a processing forbearance for XXXX days while Mohela processed my SAVE plan application. During those XXXX  days I should have been getting XXXX credit as well. After those XXXX days, on XX/XX/year>, they were still processing my application and at that point I should have been placed in a general forbearance where interest was not capitalizing. Neither of these processes were properly done by Mohela. 
As I could not afford the level repayment plan I had to call Mohela and ask what my options were, and I was told a general " voluntary '' forbearance was my only option, and I would have to call back every month to request an extension. I was never told about the processing forbearance or XXXX XXXX interest forbearance that I should have been in. 
On XX/XX/year> I applied for an XXXX plan in hopes that this would be processed faster, because a XXXX XXXX XXXX representative told me XXXX plans aside from XXXX were still being processed. It took Mohela several days to confirm receipt of this application, and I was told over the phone that Mohela is not processing ANY income driven repayment plans for the forseeable future. At this point I had done my own research and was now aware of the processing forbearances, and specifically asked the Mohela rep about it. I was told that I should have been in a XXXX day processing forbearance after my initial application, and then in the 0 % interest forbearance, but I submitted a new application, the XXXX days processing forbearance would start over. 
Had I been properly informed about these separate forbearances, and been told the truth about my options on the several times I called Mohela and asked, I would not have submitted an XXXX application on XX/XX/year>. My loan servicer failed to communicate the correct information about my options even though I called over half a dozen times and spoke to different representatives each time. Had they properly placed me in the forbearances I was supposed to be in, I would have been getting XXXX credit for the first XXXX days and then been in the 0 % forbearance from there on, and saved hundreds of dollars each day. The inconsistent information I was getting from XXXX XXXX XXXX representatives and Mohela representatives, and Mohela 's failure to follow the correct forbearance protocol have caused me to lose thousands of dollars which is a dire impact to my financial situation and a significant amount of stress for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
this complaint is being filed because VENMO has locked my account and I can not access my funds.i contacted VENMO a week ago and explained the situation what was happening. I was told to submit a photo id and my issue would be taken care of in XXXX business days. it is now a week later and my account is still locked. I called again and was told told to do the same thing I did a week ago with some vague excuse why my account was locked in the first place.i want access to my money to transfer my money back to my wife 's account so I never have to deal with this company again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, after fraudulent transactions on my Chime account were finally done pending ( waited at Chimes request, I reported them immediately ) I filed a dispute on XXXX transactions that were made without my permission. They totaled {$2900.00}. I disputed them on a Friday. The very next day on XX/XX/XXXX, a Saturday, they had already investigated enough on a weekend day to say my dispute would be denied. I requested a full reason as to what investigation was done and why they had come to this conclusion. I was told someone would reach out but still have heard nothing from them. 

All XXXX transactions were from XX/XX/XXXX, starting at XXXX XXXX  and ending at XXXX. After not even XXXX hours on a weekend they claimed a sufficient investigation was done and I have been stonewalled by them ever since. I will be contacting local media XXXX XXXX XXXX News for theyre On your side segment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX A XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$50.00} Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am contacting you today because all three companies XXXX, XXXX and Experian have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )

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 2024-10-27 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-10-28 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I b elieve you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 (
a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: PA

Complaint narrative:
THE COLECCTION COMPANY XXXX XXXX XXXX is reporting misinformation to the credit bureaus, THE ACCOUNTS ARE XXXX FOR THE AMOUNT OF {$1500.00} AND ANOTHER WITH THE SAME ACCOUNT NUMBER AND DIFFERENT AMOUNT THIS IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief