vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported.

I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: CO

Complaint narrative:
My student loans have been forgiven and dismissed as part of the XXXX XXXX, XXXX v XXXX case. My loans were fully forgiven per the XXXX website on XX/XX/year>. Over the years my loans were sold and transferred through multiple servicers, ending with Mohela. When my loan was XXXX through XXXX XXXX, I contacted Mohela to determine my refund amount. I have called over XXXX times trying to get a response. Many times I have not gotten an answer, been forwarded to a line that disconnects the call, or received an answer from a representative that says they aren't able to tell me my refund amount due to processing. I have been told amounts under {$XXXX} and amounts over {$XXXX}. Prior to Mohela discharging my accounts and removing my access to my account history, I was able to obtain a document showing a refund due in the amount of {$XXXX}. Mohela denies that this refund is due and I have made no progress in getting updates any further. The XXXX XXXX  XXXX states that this is the responsibility of the servicer. The servicer says they have no records of the refund now that the loan has been 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 2024-10-02 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: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 2024-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX {$640.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXXXXXX XXXX XXXX XXXX XXXX  {$3800.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original Creditor XXXX XXXX These are fraudulent charges brought on by the Pandemic My information may have been impacted by the XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Under 15 U.S. Code 1681c-2, which governs the " Block of information resulting from identity theft, '' I have the right to request that information resulting from identity theft be blocked from my credit report. In accordance with this law, lam requesting the removal of the fraudulent accounts and transactions from my report. 
Additionally, under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputes regarding inaccurate or fraudulent information on a consumer 's credit report. Please initiate an investigation into the items I have listed, and remove any inaccurate entries resulting from this theft. 
I have enclosed the following documents to support my claim : A copy of my identity theft report filed with [ police department or FTC ]. 
Proof of my identity ( e.g., copy of my driver 's license or utility bill ).

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 2024-10-02 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX  Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year>2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-

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 2024-10-02 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX  Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year>2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CA

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX Equifax XXXX XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-02 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: VA

Complaint narrative:
I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages.

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list! 

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be.

Why is the onus to opt out on the individual?! They should only be allowed to have people opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.

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 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was scammed XXXX  times The first time I sent money to XXXX, XXXX XXXX, XXXX wallet XXXX  The next was the XXXX  which was XXXX The third time it XXXX  I Sent themXXXX, XXXX, XXXX and XXXX they said they have XXXX to send it to me and they want XXXX more, XXXX  XXXX said if I paid the tax XXXX and XXXXXXXX XXXX XXXXXXXX The forth time is was XXXX-coin I spent XXXX and I was supposed to get XXXX The next fifth time was a lawyer and XXXX XXXX I XXXX them XXXX and they wanted XXXX I have a FINRA complaint, XXXX police report, and a social worker 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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I started receiving phone calls in XX/XX/XXXX from this company trying to collect on this debt. 
In XX/XX/XXXX I requested a debt validation, original creditor and purchase agreement. 
To date, I have not received any of the information I requested. 

In XX/XX/XXXX I was made aware there was a court case that populated under my name. Upon reviewing this I found this company had filed a lawsuit against me XXXX years prior. 

During my investigation I have found : On XX/XX/XXXX XXXX filed a lawsuit against me. 
XXXX was never made aware of the debt and was not served paperwork for this lawsuit On XX/XX/XXXX the court closed this case and granted a FULL DISMISSAL Oliphant XXXX to contact me and try to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: Self Financial Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I am disputing the accuracy of the following account that has been reported on my credit report : Account Information : Account Name : SELF FINANCIAL/LEAD BA Account # : XXXX Account Status : Closed Balance : {$4600.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe this account is fraudulent and was opened as part of an identity theft incident, following my personal data exposure in the XXXX XXXX data breach. I have never opened or authorized this account. Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report. Furthermore, the Metro 2 standard, developed by the Consumer Data Industry Association ( CDIA ), mandates consistent and accurate reporting of all credit information. The reporting of this account is not compliant with these requirements as it was neither validated nor verified. 
Request for Action : I am formally requesting : 1. Immediate removal of this account from my credit report across all major credit bureaus, including XXXX, XXXX, XXXX, and XXXX. 
According to the FCRA ( 15 U.S. Code 1681i ), you are required to verify the accuracy of disputed information within 30 days of receiving a dispute. Failure to verify or correct the information requires that the account be deleted from my credit report. 
If this matter is not resolved promptly and the fraudulent account is not removed as required, I reserve the right to take legal action under the FCRA to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 2024-10-02 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: MI

Complaint narrative:
Someone took {$XXXX} from me and I am not sure who and I only got back {$XXXX} I am a XXXX individual and need that money to live. I have already provided the documents to prove I am in a dire need

Company response to consumer: Closed with explanation