vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested. 

Reports # XXXX and XXXX and XXXX, I submitted an identity theft report to Experian along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account XXXX : XXXX XXXX and CO ( deleted by furnisher Experian verified and updated before deletion. 
Account Name : XXXX XXXX ( deleted by furnisher today XX/XX/year> XXXX certified to Experian that it was accurate and Experian failed to remove it. 
Account Name : XXXX Collections and out ( deleted by furnisher but was verified and updated by Experian. 
Account Name : XXXX XXXX ( auto loan has certified to Experian but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, Experian failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification.

I am deeply concerned about Experian 's handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how Experian verified the accuracy of these items. 

Furthermore, I am requesting that Experian promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that Experian 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Experian complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future. 

Sincerely, [ Your Name ]

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-16 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: OH

Complaint narrative:
Mohela is transitioning to a new payment platform and is providing no help and no information. They are unable to provide any details about my account - at all. They can not tell me how much I owe per month, no even the specific due date. They suggested I look at my bank account records to see how much I paid last time, and that would be how much I would owe for the current months. They informed me that I was responsible for each month 's payments, but that they wouldn't do any negative reporting to credit agencies if I don't pay during the transition. They are completely unable during the transition to process any payments online or by phone. They told me if I want to pay, I can send a physical check with my old account number for now, but that it would likely take awhile to process. She then proceeded to tell me that even that wasn't a good idea, because by the time Mohela gets to that check, my account may have be transferred by that point, and the individual with the check in their hand won't be able to process it. At that point, a new check with my new account info would need to be sent to a different address. Oh, and by that point it could be up to three months, at which point THREE MONTHS OF PAYMENTS COULD BE MISSED. This is an abhorrent abuse of everyone who is managing debt with this company. Even the barriers to payment are prohibitive. They were so useless that I am now losing sleep over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit 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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
I received a letter from XXXX and I called to find out what this letter is about. They asked me my name and address, which I gave them. I also offered the account number form the letter. But they said they did not need that. Instead they asked me for my birth date. I did not want to give them this information. So, I asked them why do they need my birth date. They said to look up the account. I said I have the Account Number so you can look up using that. But they refused and then they hung up on me.

I have no clue why they are contacting me.

I am contacting my Health Insurance Company in this regard. But I have no way to let XXXX know this - as they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX  XXXX XXXX is reporting Charge Off accounts on my credit report repeatedly placing the CO Mark every month, this is not correct as they keep updating the account every month. I have already communicated with the bureaus and they say that they investigated and everything is fine, which I doubt since I still see many errors. 

And I have the same problem with Wells Fargo too

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 2024-05-16 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-16 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-16 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: SC

Complaint narrative:
I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXXXXXX 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 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: ME

Complaint narrative:
I contacted Earnest, the loan company that current holds my private loans taken out for my education at the now defunct XXXX XXXX XXXX XXXX XXXX. I attended from XXXX. My Federal loans have been XXXXischarged due to flagrant, persistent and malicious misconduct by the school in question. I reached out to Earnest, because I do not believe I should have to repay my student loans taken out privately when the Federal government has determined their loans should not have to be repaid. The response from Earnest was laughable and pathetic : " Our records show that you refinanced with Earnest in XX/XX/2019. The payoff information from your original loan shows that it was a Private Loan that was serviced by XXXX XXXX. Unfortunately, your loan would not be eligible for consideration for discharge through Earnest given that it is a private refinance loan and not a loan directly for attendance for a school that may have engaged in misconduct. You may wish to consult an attorney about any rights you may have to loan forgiveness or other relief programs. '' Essentially they are saying that since it was a private loan, and I can not show it was used for my education at school, they are not obligated to even discuss discharge options with me. It would be incredibly easy given modern technology to prove what the funds were used for and when. I am extremely unsatisfied with their answer and I wish to pursue this further. I do not believe I should have to repay my loans for this schooling when the Federal government has publicly stated they are discharging loans for fraudulent and malicious behavior. As well, I am post class in the XXXX XXXX vs. California settlement, where a judge ruled in favor of the students who attended many for profit colleges ( including mine ), and were intentionally misled about the education they would receive and the loans they had to take out to complete it. 
The fact that Earnest won't even attempt to back track and see what the funds were used for ( oh and by the way, my loans used to be held by XXXX, Earnests parent company!! ) is ridiculous. I would like to discuss my options with someone to see what can be done moving forward. I have the litigation to back up my reasoning, and I'm not sure how to apply it to the situation in a meaningful way. Help would be incredibly appreciated! 

Thank you, -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-05-16 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XX/XX/XXXX Account Number : XXXX InquiryXX/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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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