vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal student loans, which have been placed in collections without proper notification from my loan servicer. This has negatively impacted my credit score, and I am requesting an investigation into the actions of the servicer and a resolution to rectify the situation.

Details of the Issue : 1. My federal student loans were recently placed in collections, and I was not informed in advance. I did not receive any written notices, phone calls, or emails about the delinquency or the risk of default, as required by federal regulations.

2. I only became aware of the situation when I noticed my credit score had dropped significantlynearly 100 points.

3. Upon reviewing my account, it became clear that my loans had been sent to collections without any effort to contact me or provide me with an opportunity to rehabilitate or resolve the delinquency beforehand. My loans also show closed and open. 

Impact of the Servicers Actions : The lack of notification denied me the chance to bring my loans current or explore available repayment options, such as income-driven repayment plans or deferment/forbearance. 
This failure has caused significant harm to my financial standing, as the collections status is now reflected on my credit report.

Requested Resolution : 1. I request a thorough investigation into the actions of the loan servicer to determine whether they followed the proper notification requirements before placing my loans in collections.

2. I ask that steps be taken to rectify this situation, including : Removing the collections status from my credit report.

Providing me with options to rehabilitate or consolidate my loans to bring them out of default.

3. I also request that all future communication be sent to me directly, both by mail and email, to prevent similar issues.

Supporting Documentation : I have attached : A copy of my credit report showing the collections status.

Any correspondence from my loan servicer ( or lack thereof ).

Screenshots from my StudentAid.gov account confirming the current status of my loans.

I trust the CFPB to address this matter promptly and hold my loan servicer accountable for failing to comply with federal requirements. I am available to provide any additional information as needed. 

Thank you for your time and assistance.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal student loans, which have been placed in collections without proper notification from my loan servicer. This has negatively impacted my credit score, and I am requesting an investigation into the actions of the servicer and a resolution to rectify the situation. 

Details of the Issue : 1. My federal student loans were recently placed in collections, and I was not informed in advance. I did not receive any written notices, phone calls, or emails about the delinquency or the risk of default, as required by federal regulations.

2. I only became aware of the situation when I noticed my credit score had dropped significantlynearly 100 points.

3. Upon reviewing my account, it became clear that my loans had been sent to collections without any effort to contact me or provide me with an opportunity to rehabilitate or resolve the delinquency beforehand. My loans also show closed and open.

Impact of the Servicers Actions : The lack of notification denied me the chance to bring my loans current or explore available repayment options, such as income-driven repayment plans or deferment/forbearance.

This failure has caused significant harm to my financial standing, as the collections status is now reflected on my credit report.

Requested Resolution : 1. I request a thorough investigation into the actions of the loan servicer to determine whether they followed the proper notification requirements before placing my loans in collections.

2. I ask that steps be taken to rectify this situation, including : Removing the collections status from my credit report.

Providing me with options to rehabilitate or consolidate my loans to bring them out of default.

3. I also request that all future communication be sent to me directly, both by mail and email, to prevent similar issues.

Supporting Documentation : I have attached : A copy of my credit report showing the collections status.

Any correspondence from my loan servicer ( or lack thereof ).

Screenshots from my StudentAid.gov account confirming the current status of my loans.

I trust the CFPB to address this matter promptly and hold my loan servicer accountable for failing to comply with federal requirements. I am available to provide any additional information as needed.

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal student loans, which have been placed in collections without proper notification from my loan servicer. This has negatively impacted my credit score, and I am requesting an investigation into the actions of the servicer and a resolution to rectify the situation.

Details of the Issue : 1. My federal student loans were recently placed in collections, and I was not informed in advance. I did not receive any written notices, phone calls, or emails about the delinquency or the risk of default, as required by federal regulations.

2. I only became aware of the situation when I noticed my credit score had dropped significantlynearly 100 points.

3. Upon reviewing my account, it became clear that my loans had been sent to collections without any effort to contact me or provide me with an opportunity to rehabilitate or resolve the delinquency beforehand. My loans also show closed and open. 

Impact of the Servicers Actions : The lack of notification denied me the chance to bring my loans current or explore available repayment options, such as income-driven repayment plans or deferment/forbearance. 
This failure has caused significant harm to my financial standing, as the collections status is now reflected on my credit report.

Requested Resolution : 1. I request a thorough investigation into the actions of the loan servicer to determine whether they followed the proper notification requirements before placing my loans in collections.

2. I ask that steps be taken to rectify this situation, including : Removing the collections status from my credit report.

Providing me with options to rehabilitate or consolidate my loans to bring them out of default.

3. I also request that all future communication be sent to me directly, both by mail and email, to prevent similar issues.

Supporting Documentation : I have attached : A copy of my credit report showing the collections status.

Any correspondence from my loan servicer ( or lack thereof ).

Screenshots from my StudentAid.gov account confirming the current status of my loans.

I trust the CFPB to address this matter promptly and hold my loan servicer accountable for failing to comply with federal requirements. I am available to provide any additional information as needed. 

Thank you for your time and assistance.

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 2025-01-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Credit Inquiry Dear Sir/Madam, I am writing to formally request the removal of a credit inquiry from my credit report that I believe was made without my authorization. I have reviewed my credit report and identified an inquiry that I do not recognize or recall authorizing. 

The details of the inquiry are as follows : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard inquiry I did not initiate or authorize this credit inquiry, and I request that you investigate the matter. If you are unable to verify my authorization for this inquiry, I ask that it be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Please let me know if you need any additional information or documentation from me in order to proceed with this request. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the removal of this inquiry. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-12 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-12 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: NY

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-12 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX, 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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