vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-05-21 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-21 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: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IN

Complaint narrative:
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 15. U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
I graduated in XXXX with XXXX in student loans. From XXXX to XXXX, the lender did not apply any portion of the payment to the principal balance and continued to accrue daily interest on an improperly calculated balance. In XXXX, when the loan was not paid off due to their errors, they increased my payment by almost double. After I argued with them and showed them that they had incorrectly applied payments, they zeroed out future payment interest so that all payments went to principal but they did not go back and reassess how the payments were applied from XXXX to XXXX so the balance does not reflect the credit for that period of time. To date I have made XXXX payments plus garnishment payments totaling XXXX, XXXX which has gone to interest and an additional XXXX towards a XXXX balance yet I still have a balance of XXXX which I have stopped paying and am headed into default on because I have XXXX and can no longer pay this and I do not believe I owe this. Despite repeated attempts to resolve this, I am continuing to get answers involving how much interest I accrued during forbearances and deferments, which was never disclosed to me up front and is capped regardless. What they are refusing to do is to reassess the loan with the proper application of payment to principal which would reduce the daily interest they claimed they were applying the payment to and additionally results in the loan being at a credited balance. Additionally, they continue to report me as late on a loan that I has been paid. I have attached the payment history and current statement amounts. On the payment history it is very clear that nothing was applied to the principal, there was money credited towards fees that were not due, the daily interest keeps increasing due to the failure to properly apply the payments to principal, the principal balance increases somehow by almost XXXX, and the balance is never recalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MN

Complaint narrative:
Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/2023 - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, 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 2024-05-21 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 2024-05-21 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:
I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX XXXX. This account ( Account XXXX XXXX ) does not belong to me and is only being reported by TransUnion XXXX not by XXXX or XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX  XXXX XXXX XXXX report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial 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 non-monetary relief
Consumer complaint received 2024-05-21 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act consumer XXXX XXXX  account # XXXX, XXXX XXXX account number XXXX has violated my rights. 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. 


These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from 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 2024-05-21 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: MN

Complaint narrative:
Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

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 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 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account of XXXX and XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.

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 2024-05-21 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: TX

Complaint narrative:
I found a number of incorrect personal information on my credit report and I contacted Equifax in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
I am a recent graduate from a medical residency program, and I am contacting you to illuminate the continued struggles I have had with MOHELA, the current processor of my student loans. I have been trying to get a refund for payments that were taken out in error during XX/XX/XXXX and XX/XX/XXXX, totaling nearly {$9000.00}. Despite over a dozen calls to them, over 20 hrs spent on the phone, multiple tickets being placed ( and later cancelled without any communication as to when or why ), I have been unsuccessful. I feel I have exhausted my avenues with them, and now am seeking additional support to help hold this company accountable for their poor business practices and complete lack of transparency or customer service. There is no one at the company whom to file a complaint. There is no communication as to the status of any tickets that are submitted. There is no way to initiate communication with any supervisor of any kind. You must call their general contact number, go through a long list of keypad prompts, then speak with some lower-level person who isnt able to provide much assistance at all. After they place you on 10-15 brief 2 minutes holds, they then direct you to a manager call XXXX XXXX where you leave your number and a supervisor calls you back, or doesnt, which has happened to me twice. One called me back at XXXX while I was sleeping. If you miss the call, there is no way to call the manager back directly, you just have to start the process over. There is no direct line to a supervisor or email contact for a supervisor. After months of trying to get a resolution in place, I was finally able to speak with a supervisor in XXXX, while at work and taking care of patients. They assured me this issue would be resolved, and I would be issued a refund, but that it would take 90 days for the refund to be processed. I asked if there was a ticket number that I would have visibility of or if I would be contacted with status updates on my online portal and was told there wasnt, and I would have to call back to get an update. 
Fast forward to today, XX/XX/XXXX, I still have not seen a refund. I called and went through the same drawn-out process of getting to speak with someone, only to have them tell me that the ticket had been cancelled and I wasnt eligible for a refund. No notice, no explanation. After raising a fuss, I was then directed to a manager call back number. Got another call back, again while taking care of patients. After 2 hours on the phone, was told another series of tickets would be submitted, and it would be at least another 90 days before a refund would be processed. This is completely unacceptable, and I know I am not alone in my struggle with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
When the debt from National Credit Systems showed up on my credit report, I sent a letter to the company requesting verification of debt ( primary documentation, signatures, etc. ) on XX/XX/XXXX. No response was forthcoming other than an offer to pay a lesser amount, but no other information was sent ( via letter which was requested. ) XX/XX/XXXX, documentation with NO signatures from neither myself, XXXX XXXX ( the other individual connected to this collections ), nor the property manager- just a debt summary a law firm ( From XXXX XXXX XXXX XXXX- was sent over. 

There are no statements indicating this law firm is representing XXXX XXXXXXXX XXXX but the third-party collector National Credit Systems . 

Furthermore, a hearing on XX/XX/XXXX was done and completed with XXXX XXXX XXXX as the Plaintiff and XXXX XXXX XXXX XXXX XXXX defendants. This took place in XXXX XXXX XXXX XXXX court ( case number : XXXX ). The courts determined judgement was " non-suit ''. We do not owe XXXX XXXX XXXX XXXX XXXX this debt. 

I had disputed this with XXXX to remove the collections, but they continue to report this derogatory information. This third-party agency has not provided appropriate documentation that shows I actually owe them this debt, especially as I did not owe the first party ( XXXX XXXX XXXX this debt. 

Attached is the official postal receipt and letter sent by XXXX XXXX, the court hearing and judgement, and the documentation sent ( two-three months later after the original letter requesting information was sent ), with unofficial signatures from both the property manager, nor XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MN

Complaint narrative:
I've contacted Equifax multiple times about the XXXX score they are reporting that supposedly reflects a " serious delinquency '' on one of my accounts. I've examined my entire credit report multiple times but do not see any delinquency shown there. Equifax has given me conflicting information about this : Once they said they are not factoring a delinquency into my score ( which is not true ), and another time Equifax said that XXXX is reporting the delinquency. However, XXXX said they are not reporting a delinquency and the score is being factored and reported by Equifax. I submitted a previous complaint to CFPB ( i.e. XXXX ) but Equifax did not correct the problem in response to that complaint.

Company response to consumer: Closed with explanation