vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX a large amount of cash was deposited into my checking account for XXXX XXXX dollars. I didnt notice the money because I had just deposited XXXX XXXX from my taxes. So the bank contacted me asking me about the funds and money and I let them know thats not my money and I dont know where it came from. Wells Fargo reversed the charges out my account and still made the decision to close my account down. 
So I asked how can I get my money Wells Fargo told me I can go in any branch to go get it. I went to the closet one which is in XXXX IL. I got there at XXXX XXXX  Friday. The teller ask me to have a sit and someone would come discuss my issue with me in the back. I bank  so I know how this go. The proper way was to call me in the back and then call lost prevention. This lady had a Wells Fargo worker meeting about my account without me. When she did come talk to me she came in the lobby in front of other customers. Thats a red flag you dont talk about my business in front of other customers. So the brunch manager came and took me to her office I explained the situation she said its still a hard hold on your account and I cant give your funds to you today. I ask for a reason she said I dont feel comfortable signing my name on there. She said can you tell me more about the money that came to your account that didnt belong to you. Then she printed out the checks I deposited from the irs and said my signature didnt match the check and my signature on id dont match the one on file. Listen I balled to this lady explaining to her I had death in my family I need my money. She said if I can show her a id with my signature on there that match she will do it. I showed her my ssn and other ids. Im a XXXX XXXX woman and I feel like I was mistreated and they wanted me to snap and make a scene and I didnt. Im getting my lawyer involved because I feel I was XXXX XXXX. The check from the irs had clear weeks ago so why do the signature matter if those funds already available. She said you should go where you deposited it at. I said good thing Im here because your bank deposited the checks and it was your bank that cleared them as well. Today is XX/XX/XXXX Wells Fargo been holding over XXXX XXXX dollars of my money I have not paid no bills or anything. Why tell me you will release my funds only for when I get there you give me all these problems.

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 2024-04-13 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: KY

Complaint narrative:
i was affected by XXXX data breach and a victim of identity theft there was account opened fraudulent in re XXXX XXXX XXXX. i have supplied proof of identity myself and documents including that XXXX can not verify this account and deleted it PLEASE REFFERENCE ATTACHED DOCUMENTS

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AR

Complaint narrative:
I had a hardship right after the Covid hysteria I had to move out of state, 1099-C was submitted and accepted by the IRS for Relief and cancellation of the Debt of the full amount, it had been ignored and my account was sent to collections with a set of derogatory remarks Ive tried to dispute it directly by sending them copies of the IRS form , they just sent another invoice ignoring my copy B It was sent from IRS, I disputed 5 times they came back verified and valid the company cant close my account for utilizing consumer laws I had made the payment and use of that card nearly 5 years. they didnt know they got sent the payment in full to the IRS ? I tried to send letters they just ignored me and closed my account so this is the last straw Ive been damaged and denied for everyday goods and services as a result of them not trying to uphold the consumer rights and acting like bullies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MO

Complaint narrative:
EquifaxXXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This is a fraudulent account reporting on my credit The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX. That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.

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 2024-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX This collection company XXXX XXXX XXXX is fraudulently & illegally reporting on my credit report.

I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges.

- Please provide me a copy of my signature with the provider of service to release my medical information to you.

-Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPPAA complaint will be a violation of the FDCPA because you will be deceiving me after my written request. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from the collection agent.

PLEASE DELETE THIS ACCOUNT IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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:
XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report.

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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:
Mohela has been utterly incompetent and has consistently failed to service my account and loans to my monetary detriment, including failing to process my IDR plan request, which was incorrectly denied by Mohela over XXXX  months ago and still has not been fixed because of multiple Mohela errors. Specifically, I timely applied on XX/XX/XXXXXXXX  for the new SAVE plan via the REPAYE selection on the IDR application. I correctly submitted all necessary information, and Mohela 's website showed that I was eligible for the SAVE plan and what my estimated monthly payment would be. Despite that, Mohela denied my SAVE IDR request on XX/XX/XXXXXXXX  and said the reason for the denial was because : " Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' This was outright incorrect. I promptly called Mohela and requested they fix this. The Mohela representative said maybe they denied it because I did not submit complete information, which was purely his speculation even though my application was complete. I pointed out to him that his speculative reason was not the reason Mohela stated in the denial. He said he would resubmit an IDR SAVE request on my behalf and that it would be fixed. Months passed and nothing. Instead of being fixed, Mohela continued to make errors -- so many I can not briefly state them here. Over the course of the next few months until the present, I called Mohela a handful of times. Each time, they would tell me someone made a mistake and put an unresolved hold on my account and payment request. Each person told me my issue would be " elevated '' and fixed within XXXX business days. Then, after each call, weeks would pass and nothing. After last calling end of XX/XX/XXXXXXXX  ( over XXXX weeks ago ), I have concluded Mohela is utterly incapable of processing my payment plan request despite how patently easy it should be for them. They incorrectly denied it over XXXX months ago and thousands of dollars ( approximately {$3000.00} ) in interest has accrued on my account since then because I have not been able to make payments on a plan. They are costing me money and treating my issue like I just have to wait for them to get it together, which is unacceptable. I properly submitted my request XXXX  months ago and they should have correctly processed it back then. My remedy should not be waiting perpetually for them to correct their mistakes all the while I am financially hurt by their countless mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MD

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-04-13 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: MD

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NC

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: KY

Complaint narrative:
i was affected by XXXX data breach and a victim of identity theft there was account opened fraudulent in re XXXX XXXX XXXX. i have supplied proof of identity myself and documents including that XXXX can not verify this account and deleted it PLEASE REFFERENCE ATTACHED DOCUMENTS

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 2024-04-13 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: LA

Complaint narrative:
**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.

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 2024-04-13 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: LA

Complaint narrative:
**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.

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 2024-04-13 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: NM

Complaint narrative:
Transunion will update balances on credit/loans/inquiries the minute the transactions occur but when there is a decrease on balances, transunion will take months to record improvements. XXXX isn't as bad as Transunion in recording improvements such as posting correct balances. Transunion has hurt my life by not posting current balances. I know they can post more up to date balances because XXXX show balances that are about a month old. Transunion must be made to post the most current balances available or be close to XXXX balances.

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