vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-04 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100 % accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.

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 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: FL

Complaint narrative:
I took out a Parent PLUS Loan for my son, totaling {$44000.00}, to support his education at the XXXX XXXX 's online division. Additionally, I borrowed {$22000.00} for my own XXXX school. These loans were then transferred and consolidated. The Parent PLUS Loan was first transferred to XXXX on XX/XX/XXXX, where I paid a total of {$23000.00}. It was later consolidated with the XXXX school loan into a private loan with Mohela/XXXX XXXX resulting in a consolidated amount of {$70000.00}. This consolidation effectively converted my federal loans into a private loan, which now requires me to pay a total of over {$94000.00} ( with the XXXX I already paid ) for what was originally {$67000.00} in borrowed loans. 

Additionally, the Biden administration has recently announced {$6.00} XXXX in automatic student loan relief for approximately XXXX former students of the XXXX XXXX. The U.S. Department of Education stated that relief would apply to those who enrolled at any XXXX XXXX campus between XX/XX/XXXX, and XX/XX/XXXX, and would automatically pause payments for eligible borrowers. My son attended XXXX XXXX XXXX during this timeframe, so the forgiveness should extend to the XXXX XXXX portion of my consolidated loan. 

I believe my Parent PLUS Loan should also qualify for forgiveness. XXXX XXXX XXXX is now permanently closed, and other borrowers have received relief for the federal portion of their loans due to the settlement. I believe the forgiveness should extend to XXXX XXXX XXXXXXXX portion of my consolidated loan as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
I am submitting a complaint against Curacao. They have been causing so much damage to my credit report with the way they report their credit limit. One month they will report I have a credit limit of {$1700.00}, the next they will report my credit limit is {$720.00}. Causing my debt to ratio to fluctuate. I have submitted several complaints with XXXX but they never do anything. My actual credit limit is {$720.00}. I have attached the screenshot I took on XX/XX/year> & I have also attached a screenshot of the credit limit they reported to XXXX. This has been an ongoing issue. They need to go ahead and start reporting accurate information because once again they are going to cause my credit report to go back down next month. They either increase my XXXX credit limit to {$1700.00} or stop reporting that it's {$1700.00}. This is exactly why I paid them off as quick as I could to have a {$0.00} balance and even then they still went ahead and reported my limit at {$1700.00} with 0 % debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I contacted XXXX in XXXX. I contacted you in XXXX. It is XXXX now and I just got a letter from XXXX. You guys said you resolve the issue you fixed it Im delusional theres nothing going on all up in my head thats kind of funny because this is dated XX/XX/2024 and its from concordXXXX XXXX XXXXXXXX credit and its to XXXX XXXX but it says thank you for your recent application to concordXXXX credit account issued by XXXX XXXX XXXX. unfortunately, we were unable to approve your application at this time for the following reasons because I didnt know my name I didnt know my physical address I didnt know my birthday and I didnt know my Social Security number how odd is that that Ive been tracking my name since I am XXXX from the first time I purchased a television to my present life where are you guys say no one is using my name no one knew where it couldnt be one of these companies do in the ad XXXX you know who it is oh of course not your protection bureau you would never ever allow something like that to happen now I would share this is another figment of my imagination that I have a letter Ive got a copy for you a copy for me to approve this is an inside job I have a credit freeze on my can you go to dabble and someone elses life and leave mine alone you have destroyed it I know you guys get paid way too much money that you allow these companies to destroy us. Yall need to start paying taxes, so maybe thatll open up your eyes a little bit and you can see all the fraud thats happening before your eyes and to your consumers. Im going to keep on making these reports until you fix your mistakes and I dont know if you guys are doing your whatever I dont care. this is three times this year of 2024. This has happened. I dont know the company and it keeps happening. What are you guys doing?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX  XXXX with XXXX in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100
% accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.

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 2024-05-04 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 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-05-04 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: 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 Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> 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 explanation
Consumer complaint received 2024-05-04 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: 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 Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 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 2024-05-04 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 USC 1681. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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