vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: NC

Complaint narrative:
I have student loans through mohela and in the XXXX program. I was all prepared for payments to start this month, but received a letter stating that I am getting put on administrative forbearance, which was never requested by me and did not receive any information as to why or what this means. I attempted to call them, but was faced with over XXXX hour long waiting times despite trying to call multiple times and never received a call back with the callback prompt. They provided no information on what this forbearance means in regard to public student loan forgiveness payments as historically they did not count but given recent changes in policy it is unclear if this has been changed or not. No information was provided in the correspondence from mohela or on the website. This is very unacceptable to be facing forced forbearance without my consent without any information or details and being unable to call anyone to reserve this which is what is instructed to do in the letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX XXXX Mail, Tracking # XXXX. 

This information was also uploaded online through Experian Dispute portal. I have spoken to several Experian XXXX XXXX members as well. I also pay Experian membership for credit monitoring $ XXXX. Experian Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian XXXX XXXX nor the XXXX Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I am in the process of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Balance {$500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/ my indentity was stolen from a wallet at airport two years ago with my social security card, birth certificate and identification cards

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX sent me a forgiveness letter XX/XX/2XXXX Experian stating the furnisher provided them information on two disputes that my balance is not XXXX. Experian refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. XXXX could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my XXXX account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2XXXX

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 2023-10-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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 a account without my written instructions. 15 USC 6802 A. may not disclose personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF DEFENSE, has 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 a account without my written instructions. 15 USC 6802 A. may not disclose personal 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
I froze all credit because eight years ago it was brought to my attention that my identity had not only been stolen but had been being used by numerous different fake companies to use my credit information. It has been a nightmare. I just learned my information is on the dark web. I need help to regain my identity and real credit score for the future.

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 2023-10-24 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: MD

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MD

Complaint narrative:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern : This correspondence is to address multiple garnishments from an established business checking account with Bank of America. 

Bank of America applied a second offset charge in the amount of {$1600.00} posted on XX/XX/23 to satisfy a delinquent Business credit card payment. Initially, an offset payment was posted on XX/XX/23 for the amount of {$170.00}. 

Once the first offset payment occurred, I contacted Bank of America and was informed by a representative that this charge was erroneous and that a Bank employee could not make a credit card payment without my authorization. During this contact, I filed a complaint with the representative to have the payment reversed and funds reapplied to my account. After this encounter, I never received any further correspondence providing the outcome regarding this complaint. It was not until the second offset that occurred on XX/XX/23 that I learned from Bank of America employees this garnishment occurred and will continue to do so to satisfy the credit card debt. 

Please kindly note multiple attempts were made to Bank of America to make suitable payment arrangements to stop the progression of collection efforts. Bank of America refused to lower payments with a reasonable and realistic payment plan. Further, Bank of America failed to provide any notice that garnishment would occur. It is noted on my account with Bank of America, I acknowledge and made several attempts to rectify this debt accordingly. At the recommendation of a supervisor, I wrote an email correspondence to the escalation team for assistance. Since this correspondence was sent shortly after the XX/XX/23 occurrence, I have not received any communication from Bank of America seeking to resolve this matter.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
Hello, my name is XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2023-10-24 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: CA

Complaint narrative:
I've mentioned being a victim of identity theft many times. Within 4 business days, you must remove/block any items that were opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDXXXX XXXX XXXX : {$1300.00} ; DEPT OF EDXXXX XXXX XXXX : {$1700.00} ; DEPT OF EDXXXX XXXX XXXX : {$520.00} ; DEPT OF EDXXXX XXXX XXXX : {$3900.00} ; DEPT OF EDXXXX XXXX XXXX : {$2900.00} XXXX DEPT OF EDXXXX XXXX XXXX : {$2100.00} ; DEPT OF EDXXXX XXXX XXXX : {$93000.00}.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Information are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized. The soft inquiry from XXXX XXXX prequalification for an auto was authorized for Experian ONE time, not 3 times and not to share information or private data with the other two credit bureaus at all. 
I have asked several time for all to be removed to no avail.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief