vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
Payments that I made from XXXX to XXXX on my student loan are missing and do not show on MOHELA website. I requested this information and they did not mail it to me, and they did not update their website to show all the activity on my loan. 

I also just made two payments in XX/XX/XXXX and one of the payments are missing. I submitted a complaint and I am being ignored again. I made a payment of {$22000.00}, and {$10000.00}. The payment of {$22000.00} was posted and the other payment is missing. I submitted a complaint on MOHELA website asking about this because both payments were made at the same time and my bank show all the money coming out. I have been ignored. The problem is interest will keep accruing on a payment I made. 

MOHELA does not show ANY of my payments from XXXX to XXXX and I have been requesting this for a long time now even through CFPB, and they have not sent any documents that show ALL of my payments from 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 2024-12-16 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( XXXX ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-16 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-16 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: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have spent countless and countless and countless hours on the phone with PennyMac explaining the same thing over and over again. They assure me that this would never go on my credit report. I submitted a forbearance request to PennyMac to be able to handle some other bills ( but if it was denied I had the money to pay ). I told them this countless times and in my application. The offered to skip the XXXX payment and pay both XXXX and XXXX in XXXX ( which doesn't make sense ). I denied to which the person on the phone told me not to pay until I get my decision. I waited and waited and finally got it and I denied it because it made no sense and it felt like they didn't even bother to read my application. I called multiple times to tell them I did not want to be apart of the forbearance plan because I did not want anything on my credit report. They agreed and here I am with a late payment in XXXX when I paid in the beginning of XXXX. I called to escalate and left a voicemail and no one called back. I called again and they explained I will not have anything show up on my credit. And here I am with a XXXX late payment on my credit after explaining everything to them multiple times. I have called and called and nothing is getting through to them so this is one of my last options before looking at options to sue. They also have recorded out calls countless times and would like to hear those back if they deny my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint against Equifax regarding inaccurate and unverifiable information on my credit report despite multiple previous disputes. Equifax failed to properly investigate and correct these inaccuracies. The accounts in question have reporting inconsistencies across different credit bureaus, and Equifax has not provided sufficient documentation to validate their reporting. I request removal of these inaccuracies from my credit file. 

Below are the accounts and inquiries I previously disputed, which remain inaccurately reported on my Equifax credit report : XXXX XXXX XXXX Accounts ( Multiple Accounts ) Account Numbers : Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX Issues : Incorrect reporting of late payments, inconsistencies compared to XXXX reports showing no late payments. 

XXXX XXXX, XXXX ( Revolving Account ) Account Number : Ending in # XXXX  Issue : Reported as 120 days or more past due despite a {$0.00} balance. 

XXXX XXXX ( Installment Account ) Account Number : Ending in # XXXX Issue : Incorrect late payments with no proof of missed payments. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : Ending in # XXXX Issue : Inaccurate late payments with no proof provided. 

XXXX XXXX ( Open Account ) Account Number : Ending in # XXXX Issue : Reported missed payments and overdue balance of {$930.00}. 

Unauthorized Inquiries Companies Involved : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX Consume ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Multiple Inquiries on XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Issues : I did not authorize these hard inquiries. My previous disputes failed because Equifax did not provide proof of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
I need your support to resolve the problem of a false account showing on my credit report. This has had a negative effect on my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-12-16 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: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I received notice on my credit report of XXXX collection Accounts from a collection agency Cedar Business Services, claiming I owed a debt from XXXX XXXX  starting in XXXX of XXXX I reported my Identity documents stollen in XXXX of XXXX and filed a report with the FTC XXXX and again in XXXX of XXXX due to additional bank accounts being opened in my name. 

I reported the incident to XXXX, and XXXX, and they advised me to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CT

Complaint narrative:
On Sunday XX/XX/year> I awoke and tried to log onto my bank account with PNC bank and was told my access was " suspended ''. I called PNC and they told me that my access was suspended and that there was no one there on the weekend who could restore it. I asked them why it had been suspended and they couldnt provide me with a reason. 

I then asked to speak to a supervisor and they said that the earliest I could get a call from a supervisor was Tuesday. 

On Monday I called and they finally restored access to my funds and allowed me to speak to a supervisor. I asked her why they suspended my access and she gave me a vague response about a fraudulent login attempt. I asked her why it was appropriate to suspend my access to my money without calling me when they had no way to restore it for two days and she responded that " we can't call everyone who this happens to. '' I think it is likely a violation of some sort of banking regulation to block someone's access to their funds with no remedy and no manager available to speak to. 

I feel PNC has not taken seriously my complaint or offered me any reassurance that they would look into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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