vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2025-01-10 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-10 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: GA

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.

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 2025-01-10 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: FL

Complaint narrative:
I had submitted and completed a borrower defense application which was approved by Federal Student Aid government agency. I received two emails from FSA stating my defense application had been approved and I'm entitled to a full discharge of my loans with MOHELA. I contacted MOHELA both by email and phone call who stated they did not have any information from FSA yet. FSA sent me an email stating they had provided MOHELA with discharge information a month ago. My loans continue to accrue interest and still have not been discharged by MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2025-01-10 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 FINANCIAL BANCORP
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX {$170.00}

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 explanation
Consumer complaint received 2025-01-10 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: MD

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 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 XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following itemXXXX 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 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 XXXXXX/XX/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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to dispute the validity of this debt. I do not owe this company anything and I have never signed any contracts with this company agreeing to pay a debt or to allow them to report to my credit. They have illegally obtained my information and they are using threatening and harassing tactics to try to obtain money from me. This company never responded with proof, only more threatening letters. I mailed out a second dispute on XX/XX/XXXX and for a second time, they did not verify any information with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This complaint is against experian I like to file a complaint of prejudice for allowing this XXXX abuse me mental and physically and emotionally not excepting my SOCIAL security XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX month into my loan I wasn't late. I like to have this complaint fowared to the ombudsman. I volunteered them there car back I can't keep getting beat up anymore experian already destroyed me unfair treatment I will have Social security write me a letter of state-chartered that that bank got paid on XX/XX/year> payments not even due till 10 days after the XXXX of everyone I will continue to fight for my right

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 2025-01-10 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: HI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB Complaint Against XXXX and TransUnion Complainant : XXXX XXXX XXXX 1. Introduction : I am filing this complaint against XXXX and TransUnion for their continued inaccurate reporting of a XXXX XXXX XXXX on my credit report. Despite receiving verifiable documentation that courts do not report bankruptcy records to credit bureaus, both credit reporting agencies have failed to remove the XXXX XXXX XXXX XXXX, but both agencies removed the XXXX XXXX 

Additionally, TransUnion continues to report accounts associated with a previously disputed XXXX XXXX XXXX that was removed, which XXXX has already removed the accounts associated with the XXXX XXXX 

2. Supporting Evidence Provided : 1. Court Letter : Confirmation from the U.S. Bankruptcy Court that courts do not report bankruptcies to credit bureaus. 
2. PACER Statement : Confirmation that no bankruptcy data is provided to credit reporting agencies. 
XXXX. XXXX Cease-and-Desist Letters : Requests to stop furnishing my data, including proof of opt-out and data freeze requests.

3. Violations of Federal Law : 1. FCRA Section 611 : Failure to conduct a proper investigation of disputed information.

2. FCRA Section 607 ( b ) : Requirement to maintain maximum possible accuracy in consumer reports.

3. FCRA Section 604 : Unauthorized access and use of public record data from XXXX despite opt-out and freeze requests.

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 2025-01-10 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute an item on my credit report that is inaccurate and deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute an item on my credit report that is inaccurate and deeply concerning.

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 2025-01-10 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: FL

Complaint narrative:
am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies TransUnion, XXXX, and XXXX. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX XXXX  ( Account Number : XXXX ), all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXXXXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across XXXX, TransUnion, and XXXX, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
thanks

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 2025-01-10 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: FL

Complaint narrative:
am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies XXXX, XXXX, and Equifax. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX XXXX  ( Account Number : XXXX ), all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, and XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across XXXX, XXXX, and Equifax, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FOR ALL CLIENTS! 
1st box : I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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