vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX Credit Report : XXXXXXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXXXXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXXXXXX XXXX XXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

Transunion Credit Report : XXXXXXXX XXXX XXXX  - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry XX/XX/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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices

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 2024-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PR

Complaint narrative:
I applied to the XXXX Repayment plan on XX/XX/year> and am still waiting for a response. Mohela has continued to charge me my monthly payment, even though it is my understanding that the loan is placed on an administrative forbearance while the application is still pending. I called on XX/XX/year> and was advised that I needed to contact XXXX as they were processing my Consolidation application. I called XXXX XX/XX/year> and was advised consolidation application was closed because my loans were already consolidated and that I would receive a response within 2 weeks. Today, XX/XX/year>, I call again XXXX and was advised that Mohela is in charge of processing the XXXX application to call them. I again called Mohela on XX/XX/year> and was told the application is still pending, and no new information given. At this point, it has been almost 4 months since my application was submitted and I am still waiting for my payment to be recalculated. I am not able to afford the current payment. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY CREDENCE RESOURCE MANAGE. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 :

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 2024-05-02 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern, my name XXXX XXXX XXXX, and I am the one generating this report. The accounts listed in this report should not be reflecting on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681 E, 1681 I, and 1681S - 2. I have identified the inaccuracies when reviewing my report and now they I am requesting immediate correction and attention per FCRA guidelines. I request a thorough investigation onto these discrepancies and prompt removal to uphold the integrity of my credit report and consumer credit history.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-05-02 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: KY

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
( XXXX ) XX/XX/XXXX There was a fraudulent account opened and was charged off with a balance of XXXX. 
( XXXX XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$1200.00} ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of XXXX ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$500.00} ( Westlake Financial SVCS ) XX/XX/XXXX another fraudulent account with a balance of XXXX This is ridiculous my identity has been compromised. There also inquiries and addresses on my credit report that shouldnt be! 
I've reached out to all the Credit bureaus by phone, mail several dispute letters Certified mail, provided documentation and nothing has been done!

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
Failed to respond to dispute XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/24 within 45 days.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
XXXX. Speedy Cash - XXXX # XXXX - Amount outstanding {$990.00} - Today settlement Amount - {$450.00} XXXX. Email received XX/XX/year> - from ( alleged ) - Speedy Cash - XXXX XXXX XXXX Stating that I owe an amount of {$990.00}. And then offering a settlement amount of {$450.00}. [ A company I have never work with before in my life ] XXXX. Sent email to Speedy Cash - XXXX XXXX on XX/XX/year> Stating I would like to clear this matter up but could not afford the full amount of {$450.00}. would like to pay first payment of {$250.00} first then balance on XX/XX/year>. 

XXXX. XXXX XXXX told me to purchase a card the same as a XXXX XXXX XXXX for the amount of the card is to be {$200.00} and do not register this card Take photos of front and back send it to him to him. I did purchase a XXXX XXXX card - so did as he requested me to do 5.Sent 1st payment Via email as photos of XXXX XXXX as prescribed by XXXX in the amount o {$250.00}. received a supposed Receipt on XX/XX/year>. 

XXXX. On XX/XX/year> Final payment was due. 

XXXX to doing this process again I found the Phone # of Speedy Cash at XXXX XXXX XXXX XXXX and asked the lady if I had any affiliation with there company and she searched every program available for her to use of there systems. And she could not find me in there system anywhere and or the amounts that are being spoken about as per above information. 

XXXX. She stated not to proceed with any more payments and or conversations with this supposed Speedy Cash company and person ( i.e. XXXX XXXX ) because it is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX XXXX ( XXXX ) I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. According to the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. This omission could lead to potential risks of tax noncompliance. 3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights. 5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for written confirmation of this deletion. Please note that I am prepared to take further action, including legal recourse, to rectify my credit report and protect my rights.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

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