vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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 Opened XX/XX/XXXX {$1100.00} XXXX XXXX Opened XX/XX/XXXXXXXX  {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.

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 2024-10-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank mailed me a letter stating that I had funds owed to me from unemployment benefits in XXXX  in the amount of the letter states that I call a 1-800 number and speak with a operator and they could send my money or send me a new card when I call the number I got just the opposite I got told that they didn't know what I was talking about even though I had the property ID number calls and disconnect I finally got told that I could send in proof of identification and then my money would be sent to me I have used the app that they recommend and every time I put my identification in it tells me air has approved try again I have done that five times and I get the same results every time and error I just want the money that's right I have the letter how to claim my money which was all lies.

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 2024-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I applied for teacher loan forgiveness to Mohela last XX/XX/XXXX. Within a few days I was approved. I never received a letter or an email but when I logged in to mohela it said I was approved. Its been over a year and still, I have not received loan forgiveness. I have called multiple times. First they said oh its a backlog.. we are extending processing time to 120 days. Then another time ( XX/XX/XXXXXXXX  ) they said " oh we are transitioning to a new platform..wait till XX/XX/XXXX ''. Called again, was on the phone for 2 hours waiting for the supervisor. The supervisor said i will call you back in 5 business days ..her department needed time to research. She never called me but I did get a general email from mohela saying they need 30 business days with an extension of up to 15 days to research my case ( Based on the California Student Loan servicing Act ). More calls were made for updates but no one gives me an answer, they just keep transferring me to someone else. Now they are violating my rights because I have not been given an explanation of what is going on. On XXXX, a supervisor did confirm that my teacher loan forgiveness was approved since last year ( XXXX ). She said it was " written off '' but my balance was still the same. She said she was emailing the loan department to take care of my loan forgiveness ... to give her 5-10 business days. On XXXX, I called again because the initial 30 days plus 15 day extension they needed to research/review my case is now up and i still have not received any notice. The resolution specialist I spoke too, again confirmed that I was approved. She acknowleged that my case should have been taken care of awhile ago. She said she is sending a 3rd email to the loan department to expedite my loan forgiveness. The previous two emails that were sent from prior mohela agents have not been answered. 

I submitted a complaint on XXXXXXXX  to studentaid.gov but it still says " in review '', I complaint to the XXXX, XXXX, and most recently to my congressman XXXX XXXX. I received a response from Mohela through XXXX  saying they are waiting for my loan to be written off... they are lying though. Two previous agents said that they were written off and couldnt understand why my student loan balance was still the same. Again they are lying ... every single time I call I get a different answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$220.00}

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 2024-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I received a letter from Citizens ( XX/XX/year>XXXX  ) stating that because I paid off my auto loan early, XXXX XXXX XXXX owes me a nominal refund for the GAP product. I am no longer accepting any USD payments due to bank failure. Please send any funds to the bankruptcy estate here : XXXX XXXX XXXX  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/scrub>XX/XX/XXXXXX/XX/year>

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/year> UNDER DISPUTE XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Mortgage Reporters XX/XX/year> XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/year> XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Miscellaneous Reptg . Agencies XX/XX/year>XXXX XXXX XXXX  Miscellaneous Reptg. XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX other than personal XX/XX/year> XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX, personal XX/XX/scrub>XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-12 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-12 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX Law 15 usc 16292c clearly states, If a consumer refuses to pay a debt collector the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>

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 2024-10-12 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
I am writing to demand the immediate removal of the fraudulent car loan account associated with the above account number. This account, falsely listed under the name " XXXX XXXX '' which is not my legal namewas fraudulently opened during the COVID-19 pandemic. My legal name is XXXX XXXX XXXX, and I never authorized or opened this account. Your companys continued reporting of this account as " In Collections, '' " Profit Loss, '' " Late Payments, '' and as an open account is a direct violation of multiple consumer protection laws.

Your actions are in violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : You have a legal duty to report accurate information to credit reporting agencies. By reporting this fraudulent account, you are breaching your responsibility to maintain accurate data.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice, you are required to investigate the accuracy of the disputed information. The fact that this account was opened under a fraudulent identity clearly indicates the inaccuracy of your reporting.

Identity Theft and Assumption Deterrence Act : This act protects victims of identity theft by ensuring their personal information is not used without authorization. Your companys failure to verify the identity of the person opening this account and reporting payments under my name without my consent is a violation of my rights as a victim of identity theft.

FCRA, 15 U.S.C. 1681i : As a consumer, I am entitled to a prompt investigation of disputed information. By continuing to report this fraudulent account without taking immediate action, you are in breach of your obligation to investigate within the required 30-day timeframe.

FCRA, 15 U.S.C. 1681e ( b ) : Consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Your companys reporting of an account opened under a different name violates this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NC

Complaint narrative:
I just checked my credit report I saw some hard inquiries that didnt have permissible purpose XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX These Inquiries has no permissible purpose to be on my credit report. Delete inquiries due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 non-monetary relief