vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for XXXX XXXX, XXXX to validate the alleged debt against me reporting on account # XXXX. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but thats all. I have absolutely no record of a debt with this company in the amount! Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for XXXX XXXX, XXXX to validate the alleged debt against me reporting on account # XXXX. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but thats all. I have absolutely no record of a debt with this company in the amount! Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: U.S. BANCORP
State: IL

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: IN

Complaint narrative:
XXXX of XXXX  was my last payment month towards my public service loan forgiveness, meeting the 120 payments required. I submitted my paperwork from my employer in XX/XX/XXXXXXXX  in hopes it would get evaluated prior to loan repayments re-starting. 

I received a letter from Mohela on XX/XX/XXXXXXXX  that I only had 118 payments as they did not count my XXXX and XXXX months in XXXX  as eligible. I have had the same employer ( a non-profit hospital system ) since XXXX and they have counted every other payment including earlier in XXXX  but not the remaining two that I needed. 

I called their customer service and spoke with someone after a 1.5 hour wait. This person said they would submit a note for someone to review my paperwork again as it was likely a mistake or they just hadnt counted those months yet. They do not provide anyone to contact again about your same issue and no one will follow-up with you to ensure it is handled. 

After no change I called customer service again and talked to someone after another 1.5 hour wait and this person informed me that my employer was showing as undetermined on their non profit status for XXXX and XXXX so that was the reason for those months not being counted. Even though when I search my employer on the federal database they do show up as a non-profit. 

I took this persons advice and submitted a form from my employer verifying their non-profit status on XX/XX/XXXX. I then spoke with customer service again to see if someone could review this form right away and was informed this was absolutely not possible. I would have to wait the additional 45 days to have this form reviewed. 

In the meantime I had to start making payments while waiting on the determination as they can not put you on forbearance until you are approved for 120 payments. Even though I am now at 123 payments. This has added an unnecessary financial burden on me that I was not expecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
My student loan balance was forgiven through PSLF and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct XXXX to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX ; has violated my rights to privacy.

- 15 USC 1681 Section 602A states I have the right to privacy.

- 15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account information without my written instructions.

- 15 USC 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 USC 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 2023-11-01 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: MI

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 U.S.C. 1681.

Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX ; has violated my rights to privacy. 

- 15 USC 1681 Section 602A states I have the right to privacy.

- 15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account information without my written instructions.

- 15 USC 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 USC 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My student loan balance was forgiven through XXXX and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct Experian to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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 U.S.C 1681. 
Account NameXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name.XXXX XXXX # XXXX. 
Account NamXXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX  I sent a payment to Target of XXXX through my bank. On XX/XX/XXXX  I sent a payment of XXXX to Target through my bank. On XX/XX/2023 I sent a payment of XXXX to Target. Target claims that they did not receive these payments and that I owe XXXX. They also said that sent a letter in which I did not receive. I sent these transactions to Target Card and they are completely ignoring me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 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: DISCOVER BANK
State: IL

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}

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 non-monetary relief
Consumer complaint received 2023-11-01 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! 

The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. Before all of that, I'd like to inform you that I am the person making this complaint & I give cfpb authority to investigate this claim. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. I implore your bureau to recognize the urgency of this matter and the severe consequences of continued delay. Identity theft is a crime that erodes the very foundation of one 's security and trust, and the victims deserve nothing less than immediate attention and action. The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

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