vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: UT

Complaint narrative:
This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-03-22 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: UT

Complaint narrative:
This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-22 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: LA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX business loans which were sent by cash app XX/XX/2023 {$300.00} XX/XX/2023 {$500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$500.00} XX/XX/2023 {$8100.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$500.00} total amount {$36000.00} All of the cash app transfers came from my XXXX checking account XXXX XXXXXXXX Financial Crimes Enforcement Network is looking into Cash App for money launderers with the help XXXXXXXX XXXX To support the fraud XXXX XXXX sent forward an email from XXXX XXXX Head of Operations XXXX XXXX  XXXX XXXX stating that XXXX XXXX XXXX required taxes to be paid His email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Identity theft was used to open an auto loan account to buy a car under my name, without my permission, while I was only XXXX  years of age, and Ive disputed this account several times with all 3 credit bureaus with no results other than the sentence information was verified as factual

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 monetary relief
Consumer complaint received 2024-03-22 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: NM

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.

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 2024-03-22 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: NM

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.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Loqbox US Inc
State: FL

Complaint narrative:
I have tried to contact them throughout the year, due to the amount of problems they have caused me instead of the solutions they have offered. First due to a negative report on my account due to a delay of 30 days in which I justified that the funds were present ( they asked me for account statements showing that the funds were available and I delivered them ), lately due to not being able to pay my last installment of savings since the account was blocked to pay, then due to the closing of the account and a negative report on my account and now due to the closing and blocking of my account ( because now they do not allow me to access from my State -Florida- ). 

I demand that they return the money that I deposited with them and that they have now withheld for absurd reasons of restriction of access from my state. 
I asked to be contacted immediately to resolve my problem and return the funds they used for a year and all they do is respond to me with a robot and automated responses that they will get in touch and they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Chronology of Events : - In XX/XX/XXXX, I applied and was approved for the income-driven repayment program, REPAYE, which commenced on XX/XX/XXXX, with an agreed monthly payment of approximately {$360.00}. 
- In XX/XX/XXXX, the REPAYE plan transitioned to the SAVE plan, under which my payments continued smoothly. 
- Without any request or justifiable cause from my end, in XX/XX/XXXX, I discovered that my loan had been erroneously switched from the SAVE plan to the LEVEL plan by MOHELA, resulting in a disproportionate monthly charge of {$1900.00}. I had not requested to be taken off the SAVE plan, nothing about my situation had changed that would have warranted being taken off the SAVE plan, and it had only been a few months since being on it ( not the 12 months that might have caused a change in plan ). 
- Upon raising this issue with MOHELA 's customer service representatives ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I was informed of the mistake and promised correction. My account was temporarily placed on processing forbearance while awaiting re-enrollment in the SAVE plan. It was affirmed that the forbearance period would count towards my PSLF eligibility. 
- Despite these assurances, in XX/XX/XXXX, I was again charged {$1900.00}. A refund request made in XXXX was inexplicably canceled ; a subsequent request in XX/XX/XXXX remains unresolved. 
- On XX/XX/XXXX, confirmation was received from a MOHELA representative that there was no basis for the initial switch from the SAVE to LEVEL plan in XX/XX/XXXX, acknowledging the error. SAVE payments are set to resume in XX/XX/XXXX, five months after improperly being taken off SAVE.

Key Issues : - Erroneous Plan Switch : I was unjustly removed from the SAVE plan, resulting in a more than fivefold increase in my monthly payments.

- Impact on PSLF Eligibility : The undue forbearance period from XXXX to XX/XX/XXXX, due to MOHELA 's delay in reinstating the SAVE plan, jeopardizes my PSLF payment count. I propose to rectify this by making retroactive payments under the SAVE plan for the affected months. 
- Customer Service Failures : Addressing this situation has consumed an inordinate amount of my time, aggravated by lengthy wait times, inadequate information from customer service representatives, and impractical callback practices from supervisors. 
Requested Resolution : This complaint is submitted in the hope of receiving a prompt and fair resolution to the issues outlined. I trust that the Consumer Financial Protection Bureau will assist in rectifying these errors and ensuring that such discrepancies do not recur, affecting borrowers ' financial well-being and their trust in the loan servicing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
Transunion closed CFPB Complaint number XXXX without providing documentation of verification of the inaccurate information.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not sanctioned these inquiries and believe they are fraudulent. I urge you to conduct a thorough examination and swiftly remove them 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority
State: TX

Complaint narrative:
When I decided to switch from regular payments to principal only payments the representative told me I can do that but it has to be via check. I began doing that first few times there were no issues. And then I get reported to my credit. Knocking me XXXX points. Im confused because Ive been paying. I reached out several times and ask to communicate through email. I got a call instead I was told a manager would call me never did. Sometime later I had to call them and the rep said oh these down count as payments therefore youre late. If I was told this initially I wouldve just continued to pay online. The way in which the funds were allocated is hindering me yet GSFA still received money from me. They did not make it clear and no where on their site as of today does it say this does not count as payment. I wouldnt willingly dump money on the principal knowing it doesnt count as an on time payment. I reached out to them through their website again and I have not heard back. I disputed this on my credit yesterday and less than 24 hours they engaged with that and nothing came of it. This company is really wicked. Im sure their are people who dont pay at all and Im being punished for the way I paid when no one said it wasnt allowed!! When she said I could do it she shouldve said it would not count

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
Equifax closed CFPB complaint number XXXX without providing documented proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
Please see attached file.

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 2024-03-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
i was married to XXXX XXXX, she had an account with USAA a checking, a savings, and a credit card. she gave me a card in my name auth user only and was NEVER refelcting on my bureau. XXXX and i divorced XXXX and she has not paid her bill. now the delinquent account is showing on my credit report. I called them, they sent me a credit dispute form. I completed it and said the same, they replied with it is valid. They did not send a signed application manual or digital. THIS IS NOT MY CREDIT CARD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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 not sanctioned these inquiries and believe they are fraudulent. I urge you to conduct a thorough examination and swiftly remove them 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