vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I lodged a complaint with these XXXX 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 XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX 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 2024-08-10 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 am reaching out for your assistance with the incorrect entry on my credit report. This matter has XXXX affected my XXXX, and I need your help to resolve it. The way you have handled my XXXX XXXX has caused significant damage, leaving my XXXX in XXXX due to your inaccurate reporting. I urge you to correct these issues so that I can XXXX peacefully with my 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 2024-08-10 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:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX During a recent review of my credit report, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), I request that you delete these entries from my XXXX as they are preventing me from getting credit. I do not know these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: LA

Complaint narrative:
I have concerns regarding the validity and accuracy of your recent investigation into the accounts listed on my XXXX XXXX. I requested this investigation because I believed the items in question were not being reported in accordance with the law. I recently received a letter stating that your investigation is complete. Could you please provide me with an explanation of how the investigation was conducted? 
SLS/GMFS XXXX Balance : {$210000.00} XXXX XXXX XXXX Balance : - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX  may make any XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any cXXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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 XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX 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 2024-08-10 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to XXXX negative information appearing on my XXXX This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has XXXX my ability to obtain XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to XXXX negative information appearing on my XXXX. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has XXXX my ability to obtain XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
On XX/XX/XXXX I received an email from Mohela stating that " Our records indicate your income-driven repayment ( XXXX ) recertification XXXX XXXX needs to be extended. We are working to extend your XXXX XXXX to ensure your lower payment amount continues, and we thank you for your patience. Recertification of your XXXX plan will not be needed until sometime after XX/XX/XXXX. When it is time for you to renew your XXXX XXXX, we will notify you. '' Despite this email that I will not need to recertify my income information until after XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX, I received emails from Mohela stating that my loan is entering into XXXX When I log into their new online system, I see that I have over {$15000.00} in " capital interest '' added onto my total loan amount, and that I am listed as being in a standard XXXX XXXX rather than the income-driven XXXX XXXX I have been enrolled in since XXXX. I am concerned that they lost my information about my previous payments made toward my XXXX balance which will help me eliminate my debt after a sufficient number of payments. I am also being told that I need to make a payment of over {$1200.00} by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my XXXX XXXX, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken XXXX of and my XXXX are being XXXX. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my XXXX XXXX Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-10 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 have already sent a letter addressing the inaccuracies and unknown items on my XXXX XXXX, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken XXXX of and my XXXX are being XXXX. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my XXXX XXXX Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-10 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 XXXX a month ago, but unfortunately, the inaccurate information on my XXXX 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 XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX 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 XXXX 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 2024-08-10 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:
ACCOUNTS : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX During a recent review of my XXXX XXXX, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), I request that you delete these entries from my XXXX, as they are preventing me from getting XXXX. I do not know 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 explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX in violation if the irs code Article and the CFPB also the FCRA and the fair debt reporting act all consideres charge off as a certificate if indebtness and that means the debt is treated as income and therefore eligible to be removed also I was never notified that the debt was in the status nor was given the opportunity to respond and that violates the FTC and FCRA Acts, I never recieved a 1099 C from the Credit union also it is clear even under title 15 1681 2 ( a ) b ii the charge off is a income and can not report on person credit therefore it must be removed also the company refuse to do due diligence and still wanting to charge me for everything yet on the reports the numbers are different again and the company should release me from any i debt Ness it also violates the XXXX  XXXX codes and Federal guidelunes .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX in violation if the irs code Article and the CFPB also the FCRA and the fair debt reporting act all consideres charge off as a certificate if indebtness and that means the debt is treated as income and therefore eligible to be removed also I was never notified that the debt was in the status nor was given the opportunity to respond and that violates the FTC and FCRA Acts, I never recieved a 1099 C from the Credit union also it is clear even under title 15 1681 2 ( a ) b ii the charge off is a income and can not report on person credit therefore it must be removed also the company refuse to do due diligence and still wanting to charge me for everything yet on the reports the numbers are different again and the company should release me from any i debt Ness it also violates the XXXX XXXX codes and Federal guidelunes .....

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 2024-08-10 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: First Technology Federal Credit Union
State: NC

Complaint narrative:
First XXXX XXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.

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 2024-08-10 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:
I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and I do not authorize of the hard inquiry that are on 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 2024-08-10 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: MI

Complaint narrative:
I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.

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 2024-08-10 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: 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 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 non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00}.

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