vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-05-17 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
I have made multiple attempts and have physical documentation of my XXXX XXXX disputes with XXXX, XXXX and Experian dating back and starting in XXXX of 2023 and certified mail every XXXX days until now. All 3 of the credit bureaus ignore my dispute requests and continue to publish inaccuracies on my credit report and fail to notate that the account is even in dispute. 

XXXX - This account is inaccurate and has been re-aged since the date of delinquency/date of last payment do not match across the XXXX credit bureaus. 

XXXX XXXX - This account is in violation for failure of notating this account is and has been in dispute for months. 

XXXX XXXX - This account is inaccurate in the payment status and history. One credit bureau reads as current and the other shows late. 

XXXX - This account is inaccurate showing late 60 days on a closed 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 2024-05-17 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
In working through a very long process of payment options with Navient for my account, since XXXX of XXXX, I was approached with a settlement offer this XX/XX/XXXX, that was not feasible. In reviewing my account during this process, it was discovered that the actual amount of money that was disbursed to XXXX XXXX XXXX  By Navient was less than the original value of the loan, that I had been paying exorbitant interest rates on since XXXX. I brought this to their attention, and stated that this changed the amount owed, and would change the settlement offer. In their response, they stated that accounting errors did not matter, nor would it change the settlement amount, that the info missing on percentage rates and the difference in loan value and disbursement no longer mattered since I was in default. ( due to bankruptcy ) As I disagreed with that statement, paying interest on a higher amount than actually was given to the college, was illegal, and would also change the amount of the settlement, because the settlement currently on the table was 37 % of what I still owed. I have paid XXXX dollars so far, the amount disbursed to my account starting XXXX was XXXX which they are stating was XXXX. ( all disbursement amounts are viewable on my portal, and they refused to look at the data, they stated that they, Navient doesnt make accounting errors, and I had to be wrong ) Though the data was coming from my Navient portal. They have refused to address that issue. Correspondence with this particular department of Navient, has been going on since XX/XX/XXXX, document requests and rectification of the accounting error was on XX/XX/XXXX via email, as well via phone conversations XX/XX/XXXX and XXXX. Navient was offered to accept a different amount of settlement, and disagreed every time, stating the errors in disbursed amount did not matter, and did not address it. As well as on XX/XX/XXXX, they quoted an interest rate they were charging me, that was actually lower than the charged amount on the XXXX documents,, ( the only accessible bills are XXXX ) They were very combative, unwilling to work with another amount, unwilling to look at the data, they degraded me, and blamed me for their errors. And said that none of this mattered. ( through out the life of loan, I continued to seek assistance to pay my loan with a better rate, the only program Navient would ever off me, was one, where they knew my loan would never be paid down, but they would continue to receive money from me monthly. ) Navient is stating I still owe XXXX, XXXX, though per data accessible to me I owe {$30000.00}, even with the XXXX dollars they have seen since repayment began.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies attached on my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Back in XXXX My ex husband XXXX XXXX XXXX, ran off to North Carolina with my car never to return. I requested the aid of XXXX, the Police and the DMV with help on this matter. XXXX said that theres nothing they could do unless i waited on payment to have the car repossessed. The police said there is nothing they could do because Virginia is a " whats yours is mine state ", and anything bought during the marriage is equally accessible by both parties, and i could not press charges on him for theft. And the Dmv they did help they helped me cancel the registration and tags on the car. 

By way of social media i was able to track down my ex husband and the car and sent the location to XXXX XXXX- the car was eventually found on or around XXXX. 

I followed up to see how i could obtain the car if at all financially feasible I was told the car was reposed and then taken for an Auction for the remaining balance owed on the car. 
Which means I should not owe anything on the car. 
All the information provided is incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: OH

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I received one letter on XX/XX/XXXX that was dated XXXX stating I owe XXXX fr an auto accident in which I was rear ended by a XXXX, verbally abusive driver ( I did not have insurance and am handling that thru Sec of State Illinois ). I was called today XX/XX/XXXX on my cell during work and was told that my license will be suspended if payment not made and payment arrangements not satisfied. I was told I could not dispute this debt, could not seek court intervention and will lose all driving privileges if NOT PAID starting immediately. I agreed to a payment plan due to his threatening aggressive language and half truths. I reached out to the Sec of State as well. 
I emailed the rep I spoke to revoking any and all permissions to deduct payments from any and all bank accounts effective immediately ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
Due to the XXXX data breach, I have been affected and I have inaccuracies in my report. I file an FTC report look at the attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
This debt was already removed from credit months ago because its not mine. The collection agency sent a letter to me ( see attached ) stating I owe XXXX and I never had a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
This is not my address, I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2024-05-17 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:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Per 15 usc 6802, 16 cfr 313, 317 F. Synchrony bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. Synchrony bank and XXXX are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, XXXX has provided inaccurate information to my credit file on which synchrony bank has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to synchrony bank XXXX filing with sec, synchrony bank is in fact XXXX out my account balance each much for the pooling of my securities. Synchrony bank has fault their fiduciary obligation outline in there SEC XXXX filing. XXXX has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information XXXX furnished to synchrony bank without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. Synchrony bank and XXXX operating together in violation which financial gain unbeknownst to me constitutes fraud and R.I.C.O. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc XXXX. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of XXXX my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by synchrony bank who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for synchrony bank to be updated to paid as agreed immediately. All rights reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CO

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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