vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 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 explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was told I owed {$3000.00} to XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was contacted by Transworld Systems Inc., the debt collector in question. I was charged on XX/XX/2022. I filed a complaint to the company saying that this was the result of identity theft. Transworld Systems Inc. is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX. Their contact phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
The debt is not mine to pay, as I am and have been a consecutive recipient of XXXX. I have spoken with the insurance companies as well as the XXXX XXXX XXXX where the bill originated. There was a mix up with the insurance however, they have corrected then matter and it is being processed but the collection agency refuses to remove the account from my credit report. 

I was unaware of the existence of the matter since the information they have is dated. Both insurance companies are listed on the date of service but there was an error that led the insurance to submit the incorrect XXXX. Since they have fixed the issue and I spoke directly with the supervisor to ensure the company timely filing for their mistake. Either way I am not liable for a bill when I am insured current and retrospectively. 

I will fax in the correspondence I have received from XXXX XXXX which corrected the issue so that the correct insurance company which is XXXX XXXX can be billed. I also contacted the XXXX directly and they sent over a letter regarding the matter and dates of coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Feedback to Nelnet response Nelnet has refused to remove this fraudulent loan from my credit report. Nelnet fail to provide the documents I have requested numerous times in each one of my letters. Nelnet is constantly insulting, and defaming my by requesting for me to send letters from a credit repair specialist. When I am a XXXX XXXX XXXXXXXX and own my own credit repair business. I am filing a suit Monday XX/XX/2022! Im done disputing! Thank you CFPB for reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.

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 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: DE

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on Loan accounts under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
These issues are from applying for one personal loan threw a suggested XXXX XXXX company let me add it even said " we do not do hard inquiries on your credit so not to worry '' and all of the sudden multiple companies are on my credit report doing hard inquiries i have 100 emails from various different companies saying your approved so i one of the companies the first time and they again sent my info to all these other companies and come to find out there not even lenders they are just the middle man. Its ridiculous how it works. Im sorry no offense to whoever is handling this i dont mean any thing bad towards you, however i am just frustrated. Everything that I applied for it said I was preapproved for and it said it would only do a soft credit pull. I never authorized any hard pulls for any persona loans anywhere. My score was climbing and now its falling due to this. Please help. Anything you can do to help I would greatly appreciate. Thank you

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 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 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 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There were international unauthorized transfer 4 transactions with in two days for total amount {$190000.00}. 
1 ) The bank didn't alert me when the transaction was processed.

2 ) After I found out, I filed the claim, but I believe they didn't take it seriously, they said they can not do anything about it and recommended me to contact the beneficiary. 

" JPMorgan Chase has made several attempts to recall the funds on your behalf but unfortunately they have been unsuccessful. We recommend that you contact the beneficiary and attempt to settle the matter directly. '' I don't know who the beneficiary is, I don't know how they expect me to contact them. 

the money transferred to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 confidentially under 15 USC 1681. 

Account Name and Number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company randomly appeared on my credit report and I have no knowledge of them whatsoever, my credit report reflects the fact that all my bills I actually owe are paid on time and current, they do not belong on my credit report and need to be removed as I have zero association with them...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX obtain a credit card from this company was paying monthly payments seeing that the increasing interest rates contacted the company request the card be unused status and that I could finish making payments representative spoke with stated interest would stop monthly payments would need to be made Timely payments were being made during the pandemic lost of wages second income monthly payments for XXXX XXXX went from {$35.00} up to almost {$300.00} a month call the company tell him I can make small payments could not afford the increase amount monthly start making automatic payments from my banking amount owed kept increasing I've never did business with Midland credit I was told by XXXX  XXXX that they sold the debt to them mid and credit then added their fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My student loans were paid off with Mohela on XX/XX/XXXX. I also made payments in XXXX during the CARES act student loan pause. My goal is to have all student loan payments made during the CARES act pause reinstated to my account so that I may apply for the {$10000.00} in student loan relief. My loans have only been serviced through Mohela for this entire time period. 

XX/XX/XXXX - I submitted a request for a financial summary of all payments made during the CARES act pause. 

XX/XX/XXXX - I called Mohela and requested that all student loan payments made during the CARES act pause starting in XX/XX/XXXX be refunded to my account. I was told this was in progress and it would take 30 - 45 days. I requested written verification be sent to me and they told me they could not do that. 

XX/XX/XXXX - I received the requested summary requested XXXX in my inbox on the Mohela site. It shows the balance going to XXXX for one loan ( that I paid off in XXXX ). For the second loan, it shows no payments after XXXX and does not show the balance going to zero. This loan was paid off in XXXX. The last page says " Financial Activity Summary Continued on Next Letter '' but there is no next page. I can see on their website that my last payment was made in XXXX ( have screenshot ). 

XXXX - I have not received a refund of any payments. I called Mohela and was prompted to enter my account number or SSN. I entered my loan number and the automated calling system is now saying they can not find me in the system and hung up on me. I called again and tried entering my SSN and same thing happened. I then sent a message to Mohela through their communications portal outlining the above. They have not responded. 

XX/XX/XXXX - Tried calling again to see if there was a glitch in the system last week. The automated system gives me the same message that they can not find me in the system via either my loan number or SSN and automatically hangs up. I can still log in through the Mohela website and see all of my account details. 

There is no email address for Mohela on their Contact Us page and they have made it impossible to connect with them. At this time, they are refusing to refund my loan payments made during the CARES act payment pause. These are all federal loans. This is time sensitive due to the deadline for the The XXXX Administrations Student Debt Relief Plan. I am going to lose thousands of dollars due to the fact that they are refusing to comply with both their policy and the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation