vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with Trans Union, XXXX and XXXX on MULTIPLE occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CT

Complaint narrative:
In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with XXXX XXXX, Equifax and XXXX on XXXX occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CT

Complaint narrative:
In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with XXXX XXXX, XXXX and Experian on MULTIPLE occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I have inaccurate information as being reported to the credit bureaus such as accounts that were not created by me old addresses, old phone numbers and aliases that I do not use or no longer have. Im experiencing a hardship in life right now and having to write marks and information on my credit is impacting me very much, Im asking to have these accounts that are fraudulent and all the incorrect information being reported to the bureau removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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 have inaccurate information as being reported to the credit bureaus such as accounts that were not created by me old addresses, old phone numbers and aliases that I do not use or no longer have. Im experiencing a hardship in life right now and having to write marks and information on my credit is impacting me very much, Im asking to have these accounts that are fraudulent and all the incorrect information being reported to the bureau removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
We rented an apartment at XXXX XXXX ( managed by XXXX XXXX ) for almost 4 years. In XX/XX/XXXX, we put down a security deposit of {$400.00}. In XXXX we downsized apartments and moved two doors down in the same complex, the security deposit wasn't returned. 

We informed XXXX on XX/XX/XXXX that we wouldn't be renewing our lease. When we moved out XX/XX/XXXX, 25 days before the end of our lease of XX/XX/XXXX, the security deposit wasn't returned either. 

On XX/XX/XXXX, I received an email from XXXX XXXX with a bill for {$270.00} dollars that cited " Damage fees-Painting ''. I asked if the lease provided a clause for this and they never answered my question. Instead, they sent me a threatening email saying we'd left the place in a " disgusting '' state with pictures of the scuffed up wall, a dirty sink, and cobwebs. Most likely, the cobwebs were from the 25 days it took to send in cleaners. 

I found this odd. I was under the impression that scuff marks on an apartment wall after almost 3 years of renting were to be expected. So, I did a quick search and found some legal resources that says really only excessive damage can be charged. The pictures provided didn't look to be excessive, just normal wear and tear. I'm happy to provide them if required. Admittedly, I don't know what constitutes " excessive '' damage, so, I could totally be in the wrong here. But my gut is telling me if I polled 100 people more than 90 % wouldn't call the pictures sent by XXXX XXXX " excessive ''. 

So, I sent another email asking about where this was in the lease and asked about the security deposit from XXXX that was never returned. They cited that they couldn't find it, and there was no record of it but showed me a {$100.00} credit that supposedly was my refunded security deposit. 

I consulted with a few folks and they said to just ignore it and not cause a stir. I didn't owe XXXX XXXX a thing. So, I let it be for a few weeks. 

Until my wife and I both got an email from a sketchy debt collector asking for information. 

It looked scammy, so I blocked the sender and reported the email as spam. When my wife told me about getting the same email, I decided it was time to report it. 

Please advise on what I should do as a consumer. I have my original lease that states the security deposit as well as the email chain with the photos they claim was excessive damage. 

I really wasn't going to say anything but the way they handled this situation felt predatory. After receiving an email from a collections company, I knew it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **RE : Update Personal Information** Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 
I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
**Please delete the following inaccurate addresses : ** - XXXX XXXX XXXX XXXX, XXXX, FL XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681b ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions of the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stratus Financial LLC
State: CA

Complaint narrative:
In XX/XX/2022 I took out a loan from Status Financial LLC. I was told that the XXXX of every month I must pay the loan and that the loan amount is subject to change considering it is a variable loan. Even though the interest rate was high on this loan I still took it considering I knew that my credit from this loan would build my credit score so later I could refinance. The only issue is I haven't received any credit even though I contacted Stratus Financial multiple times. I have not made a late payment or missed a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: OK

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
XXXX has reinserted an account that was from identity theft. Transunion has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ]. 

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXXXXXX XXXX  is trying to sue me for a {$1200.00} debt that isnt mine I then closed the account when I found out and they told me it was closed then the summons came.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I applied for Dell Business Credit and was denied. I called Dell Business Sales team to find out why and I was told that my business did not have enough credit but I could be a guarantor for the business and apply for the same card ( business dell credit ) with my personal information as personal guarantor to the business. I was approved and I purchased a few computer for my business. The customer service was located in either XXXX or XXXX and I had asked on multiple occasions weather the card was a personal credit card or business and was assured that it was a business credit card with personal guarantor. A month later I received a notification from XXXX that a new account had been added to my credit report. I immediately logged into my XXXX credit report and saw that a personal credit card account by COMENITYCAPITAL/DELL was opened in my name. I called Comenity Capital Bank and asked them to close the account and remove it from my credit bureaus as I never requested a personal credit card from them. They gave me an address to write a letter with the explanation as to what had happened to remove that account from my credit reports. A few weeks later I received the response back from them that contained irrelevant and unrelated information to my request - a generic letter stating the account was closed by my request which I knew from the get go as I closed the account but no relevant information to my request to remove the account from my credit reports. I disputed the account through credit bureaus and they kept reporting it.

Company response to consumer: Closed with non-monetary relief