vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
There is 3 fraudulent credit inquiries reported on my Transunion credit report. 
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 2023-11-03 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for 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 2023-11-03 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: TX

Complaint narrative:
XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX 's collection attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX MERRILL LYNCH Investments by their own admission, approved and allowed a fraudster allegedly by using my personal Identity information to open an account Merrill Lynch opened the account without my authorized permission as I never applied for any accounts at Merrill Lynch. 
I was never contacted by Merrill Lynch to confirm and by not properly vetting the application prior to approving the account. 
Merrill Lynch was incompetent and careless by allowing fraudsters to access my personal finances by approving this fraudulent account without my authorization and permission

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 2023-11-03 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX By phone at XXXX or fax at XXXX To Whom It May Concern, When I recently tried to open a checking account, I was informed that I had negative entries in my ChexSystems record. 

The Following Informations and Inquires is a result of Identity theft and was not initiated by me, I demand that it is DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX To my knowledge, have never had non-sufficient funds and I am not aware of any negative entries. Kindly forward me a copy of my ChexSystems record so that I may verify its accuracy. 

Kind regards, XXXX XXXX XXXX XXXX XXXX : XXXX SSN : 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 2023-11-03 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-03 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

Closed Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-03 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: MD

Complaint narrative:
PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: MD

Complaint narrative:
PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION

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 2023-11-03 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: TX

Complaint narrative:
XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX XXXX  attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent Im several letters with my identification and social security number showing correct information and it was not updated.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent Im several letters with my identification and social security number showing correct information and it was not updated.

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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I previously submitted a complaint about MOHELA through the Consumer Financial Protection Bureau ( CFPB ) regarding my monthly payments under my Income Contingent Repayment ( ICR ) Plan. MOHELA 's response indicates that they did not read my complaint thoroughly and based their answer on an incorrect assumption. 

I would like MOHELA to read this new complaint very carefully. I want my monthly payments to be prorated based on the total amount of federal student loan debt both my wife and I have. 

The Department of Education states : " So, any time we use a joint income to calculate your payment amount, we will also take into account any federal student loan debt your spouse has. We will then prorate your payment based on your share of your and your spouse 's combined federal student loan debt. And for the record, your spouse doesn't need to be repaying his or her federal student loans under the same repayment plan as you or even under an income-driven repayment plan. '' If you read further in the article and the XXXX attached, it shows how to calculate the monthly payments WITHOUT including my wife 's loans in the ICR Plan. 

Link to Dept of Education article : https : //www.ed.gov/content/something-borrowed-how-marriage-impacts-your-student-loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for 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 explanation
Consumer complaint received 2023-11-03 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: MS

Complaint narrative:
I filed bankruptcy XX/XX/. XXXX was included in bankruptcy. XXXX is still reporting past due payment with a balance. I disputed with Transunion and XXXX yet information is still not updated. My lawyer states that this is against the law

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MS

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 explanation
Consumer complaint received 2023-11-03 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: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/2023, my servicer -- EdFinancial -- indicated that they had submitted a refund for {$21000.00} for approval by the Department of Education. More than two months later, I have not received that check or any useful updates about its status. I have tried numerous times to get resolution from Edfinancial, but in each call they simply say the refund is " processing '' without telling me what that means and when I can expect to receive the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P.
State: MS

Complaint narrative:
I filed bankruptcy XX/XX/2023. Lendly was included in bankruptcy. Lendly is still reporting past due payment with a balance. I disputed with XXXX and Lendly yet information is still not updated. My lawyer states that this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-03 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have made 3 payments that were processed. I received emails confirming this. Payments were never deducted from bank account. Days after confirmation of payments received, the loan status appears as payments reversal the company claims I have not made payments and has charged me interest. And outstanding balance of the double of my payments appears on the account. Overdue payments appear in red. My total amount has increased.

I called my bank and the representative explained that there was never an attempt or claim from aidvantage to collect payments. 


I made two payments of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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:
To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by Experian, XXXX, and XXXX. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted.

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, Experian, XXXX and XXXX are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling Experian, XXXX and XXXX to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

Sincerely,

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