vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX XXXX XXXX pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 


please delete following accounts XXXX XXXX XXXXXXXX XXXX, Account number XXXX balance 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 2024-10-05 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: FL

Complaint narrative:
Ive noticed some incorrect information on my credit report, in violation of 15 USC 16c-2. This inaccurate data is damaging my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: MI

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: MI

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Disputing errors on credit report Dear XXXX XXXX XXXXXXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and XXXX XXXX XXXX. Please urgently remove this from my account. Thank you in advance.

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: VA

Complaint narrative:
I have a bill from FMA alliance with a debt by XXXX XXXX. I dont recall this debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : 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 2024-10-05 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : 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 2024-10-05 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: OH

Complaint narrative:
I recently identified some inaccuracies on my credit report, as outlined in 15 USC 16c-2. This incorrect information is impacting my creditworthiness, and I did not give permission for the listed inquiries.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
Closed account with " navy federal '' I have never had an account with navy federal nor have I ever given anyone permission to open an account using my name or social security number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I called the Department of Education - Federal Student Aid to verify in writing in a letter that my loans have been forgiven via PSLF. They said they could not provide me with that information until the system automatically generates a letter which can take as fast or as long as it wants. In the meantime, XXXX is asking me to make {$920.00} a month payments until the Federal Student Aid can send a proper letter stating my forgiveness so XXXX can discharge my loans or they will mark my account as delinquent on XX/XX/2024. I pleaded with Federal Student Aid to do so, they refused saying I simply have to wait until a letter is sent to me. Until then there is nothing else they can do. I even connected the call with XXXX XXXX and Federal Student Aid to verbally verify, that wasnt enough. I do not have that monthly fee especially for a loan that is forgiven. Then Federal Student Aid said I need to download my signed PSLF application and upload it again onto www.studentaid.gov, their website blocked me from downloading my own application when I logged into my account. Federal Student Aid claimed it was because of my browser then my XXXX and that I would have to redo my PSLF application all over again to start the forgiveness process when my account already says congratulations your loan has been forgiven ( please see attachment ). I ended the call frustrated and still needing help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, a person to whom I sold some furniture through Market Place deposited a check for {$2800.00} in my personal checking accountn Wells Fargo Bank. On the morning of XX/XX/XXXX, the funds were available. Understanding that there was no problem with the deposit that had been made to me, I proceeded to return part of the money because the client had deposited more by mistake. I transferred the funds to my business account in order to be able to return, through a bank transfer, the money that was the surplus for the transaction that I would make with the client. On XX/XX/XXXX, the bank informed me that the deposit had been returned because it had been made with a stolen check. This has put me in a very delicate situation since I am confident that if the bank makes the funds available in my account it is because it has carried out the corresponding verifications. I made a claim case that is supposed to take 7 days and I am already going to have 3 weeks and there is no guarantee. I have no assurance that my money will be returned or that the bank where the money came from will ask for it back. I have no idea what type of verification the bank performs to guarantee that we are not victims of stolen checks because we are not the ones who perform this verification but the bank has the verification systems and made the funds available, so I thought there was no problem. 
I am very worried because it was money for my expenses at home and now I am in a huge financial problem. 
I hope you can help me resolve this with the Wells Fargo Bank. Case 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 2024-10-05 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: AZ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-10-05 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: PA

Complaint narrative:
Im in disbelief after finding wrong accounts on my credit report this morning. I routinely check it, but suddenly there were discrepancies. I refreshed the page, hoping it was just a mistake, but the issues remained. I need assurance that my submitted documents will be thoroughly reviewed so I dont have to worry about this again.

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 2024-10-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity.

Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : 1. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 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

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am writing to formally file a complaint against Navient for their deceptive practices, misrepresentation, and failure to provide accurate information regarding my student loan repayment options. As a borrower, I have experienced significant financial harm due to their actions. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable. Instead, I have been making payments that primarily go toward interest, causing my overall loan balance to increase substantially. This has resulted in a ballooning of my debt, which far exceeds what I originally borrowed. 

Furthermore, Navient has repeatedly misreported my payment status to credit reporting agencies, which has severely damaged my credit score. The misinformation provided by their representatives has delayed my ability to pursue more favorable repayment options, contributing to an overwhelming amount of accrued debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I do not have any contract with this company. Have not done any business with this company. They are trying to use my information to extort me. I have filed a FTC 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 2024-10-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

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 2024-10-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

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 2024-10-05 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: AZ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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