vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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 recently reviewed my credit report and noticed I have fraud on the council on my report. Please remove these accounts from my report they have hurt my ability to obtain credit.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below. 

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

1 appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-03-11 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: CA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-11 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: CA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 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 2024-03-11 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Please promptly eliminate the unauthorized and XXXX inquires from my credit report. thank you Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11 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:
On ( XX/XX/2024 ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own cdia compliance standards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own cdia compliance standards

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 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I applied to have my XXXX plan payment recalculated in XXXX because my income dropped to {$28000.00}. Mohela said my payment didn't change ( eventhough my income dropped from {$46000.00} to {$28000.00} ). I called Mohela, the representative resent the application and told me I should have a payment of {$0.00}. I paid the {$58.00} payment in XXXX after that phone conversion. 

I then received a letter that my estimated payment was {$0.00}. Next I received a letter that the SAVE plan was recalculated and my payment was {$58.00} ( same as when my income was {$46000.00} ). I've talked to them 5 times, been told my payment should be {$0.00}, received a letter my estimated payment is {$0.00} ( and that is what the online calculator states ) yet they are still charing me {$58.00} a month. The XXXX phone call on XXXX XXXX the representative told me my payment should be {$0.00} and she had no idea why they wouldn't adjust it, she said an advanced advisor could manually fix it and transfered me. Unfortunately, the wait was an additional 2.5hrs and I was at work when they called back. I called again on XX/XX/XXXX and told that representative all the details and that I had been transfered to an advance representative the day before but couldn't answer the call back. That representative refused to transfer me and said all she could do was fill out the SAVE application for a third time and see what happened. 

Mohela keeps putting me on a forbearance and telling me not to worry because my payment isn't due. But I am working at a non-profit eligible for PSLF and do not get credit for the time I'm in forbearance. 

I've also sent multiple emails and Mohela responds " Our records indicate that you have already called and spoken to one of our Customer Service Representative regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' I've gotten other email responses from later attempts. 

Please, assist me getting this resolved since I continually try to work with 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 2024-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

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 2024-03-11 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: OneMain Finance Corporation
State: NY

Complaint narrative:
The XXXX XXXX XXXX did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( XXXX ) ( B ) ( XXXX ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully requested Equifax for the following actions to be taken. Equifax stated that a investigation has been made but failed to send me documentation and validation of the Inquires I did not authorize : 1.Conduct a comprehensive investigation into the unauthorized credit inquiries mentioned In previous investigation XXXX. XXXXTo notify the relevant creditors of the violations and demand the immediate removal of these unverified accounts from my credit report. XXXX. I asked for you to Ensure that my credit report accurately reflects my financial history by expunging all unauthorized inquiries. The inquiries bellow for they are a result of Identity Theft 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 
The unauthorized credit inquiries listed above potentially violate the following sections of the Fair Credit Reporting Act ( FCRA ) : Section XXXX : Permissible purposes for obtaining a consumer report. Section XXXX : Responsibilities of consumer reporting agencies to ensure the accuracy of consumer information. Section XXXX : Consumer 's right to request and dispute information in their credit report. Section XXXX : Procedures for disputing inaccuracies on credit reports. 
Once again I eagerly await your response and the subsequent steps towards rectifying this situation. Thank you for your commitment to consumer protection. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: AL

Complaint narrative:
I contacted these credit reporting agencies multiple times to inform them of the multiple inaccuracies and the illegal reporting and furnishings of the information hours presenting but have not received satisfactory response or legal documentation are requested. Instead, they continue to deny my ride to dispute inaccurate, misleading and illegal information that it's already caused actual damages by sending a response of verified. Are we do not believe this is you? When asking for the description of the procedures used to verify the response is not compliant and unsatisfactory to the FCRA the CFPB the FTC. And even their own CDIA compliance standards.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Delete my opensky credit card account from my credit profile and said that it was fraud and referred to XXXX and XXXX that it was fraud. Also they blocked and deleted my free membership. I can not see my profile and have no idea of whats going on with my account which I believe is against FCRA " The FCRA gives consumers certain rights with which you must comply '' I don't have access to my credit. Last I check there were several auto loans on my credit that Experian has refused to delete. I need all these deleted. Because they are fraud I didn't apply for these. 

Just like this chase card is not mine. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX is not mine All XXXX XXXX XXXX accounts are not mine XXXX XXXX XXXXXXXX XXXX is not mine none of these are not mine.

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 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Im disputing the collection account associated with account number XXXX with Credence Resource Manage. According to your records, this account was opened on XX/XX/year> Balance Owed : {$2300.00} and is categorized as a collection account for which I bear individual responsibility. However, I want to bring to your attention that I am a victim of identity theft and have no knowledge or involvement in the creation or management of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment

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 2024-03-11 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: CA

Complaint narrative:
XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 
Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment

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