vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: GA

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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-06-18 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: T.S. Holdings
State: NC

Complaint narrative:
I am writing to request that you adhere to federal and state reporting requirements in a factual and indisputable manner without delay. The XXXX has developed a manual, the XXXX, that outlines reporting standards and requirements for adequate, complete, and verifiable data submissions. Any deviations from these standards may compromise the integrity of the data. 

Your current reporting practices are questionable and do not meet even the minimum requirements for the privilege of reporting. As mandated by law, you could have opted to report in a compliant manner, ensuring that your claims were beyond doubt. 

However, your deviations suggest otherwise, and for that reason, among others, I contest your reporting privileges and challenge you to prove that each aspect of required reporting adheres to all necessary adequate practices within your compliant reporting. I respectfully demand that you remove the requested inaccuracies from reporting immediately and without delay. 

IQ DATA INTERNATIONAL - XXXX I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I called the company to ask questions. I was transferred to a debt collection company who gave me inaccurate information. Wrong dob wrong residents it was just all wrong.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to formally request that TransUnion block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Here are the fraudulent accounts I need removed : 1. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer FICO credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report from TransUnion showing these fraudulent items.

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.

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 2024-06-18 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: FL

Complaint narrative:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
The issues begin in XX/XX/XXXX when I was placed on administrative forbearance by Aidvantage because I was emailed and told to apply for SAVE which I did ( inappropriately because I had already been on REPAYE and was automatically moved from REPAYE to SAVE ). Because of this I was notified that my autopay would be delayed during forbearance ( but I never received a separate notice telling me I was placed on forbearance ). My auto-payment did not go through in XXXX and then I noticed I was in forbearance. I messaged them in XXXX and requested a forbearance lifted, but it was not, it continued through XX/XX/XXXX. In XX/XX/XXXX, the loan was transferred to MOHELA and received in XXXX. The account was initially received on a forbearance. I messaged Mohela and requested a lifted forbearance without response. I shared my concern that I am missing qualifying PSLF payments and by not making payments I am not qualifying for SAVE subsidies. I called and spoke to a customer service representative who re-assured me that both of these would be adjusted and that I should make manual payments. I have made manual minimum payments of {$150.00} in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in order to indicate that I am not having economic hardship and that I wish to be off of forbearance. I have made multiple requests to be taken off forbearance. I have made both phone and message requests and am still on this day of XX/XX/XXXX on forbearance. In XXXX I had {$9700.00} in interest applied to my balance which should not have occurred because I should be receiving SAVE subsidies. In my most recent request off of forbearance, I was told that time in forbearance will not count towards PSLF. I feel that both mohela and advantage have been malignantly using administrative forbearance assignments in order to benefit themselves by delaying pslf payments and invalidating my loans from qualifying for SAVE subsidies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-06-18 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/year> I was in an accident where the other party was deemed at fault. Lexisnexis is reporting it that I was at-fault for the accident when both insurance companies deemed it not at-fault and other party involved accepted full fault. The information on lexisnexis is incorrect and needs to be updated to Not At-fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: AR

Complaint narrative:
An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-06-18 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: AR

Complaint narrative:
An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Velocity Portfolio Group
State: GA

Complaint narrative:
I disputed with XXXX XXXX, XXXX the balance of a loan in a certified letter that in XX/XX/XXXX. In my letter, I asked for a 1099-OID and W-9 coupon if a discharge/set off was done and indicated that this should be deemed as a Tax Credit to the company. I received a correspondence where they responded to my letter and marked on their correspondence that " I do not owe. '' I did not receive any additional documentation from XXXX XXXX after I responded by with a certified mailing. However, I called and spoke with a representative in XX/XX/XXXX and was told that my account had been listed as " No contact. I thought the matter was resolved. 

In XX/XX/XXXX, XXXX XXXX XXXX reported a " charge off/write off '' on three credit agencies ( XXXX, XXXX XXXX XXXX and XXXX ) with a date of XXXX for {$9600.00}. However, the XXXX Credit report also indicated the loan was also sold to CKS Prime Investments in XX/XX/XXXX. If the XXXX XXXX loan was written off, it should not have been sold as well with the consumer being responsible all over again. This is fraud. 
XXXX XXXX also gave CKS Prime Investments all of my Private Information without my consent or permission. CKS was given my social security number. DOB, phone number, email address, etc. I have not signed any contract or any agreement with CKS. XXXX XXXX has stolen my identity. I have filed a police report. 

XXXX XXXX  inaccurate reporting and release of my private information without consent has damaged my credit further and caused financial harm and limitations.

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 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I didn't receive my notices of rescission in accordance with truth in lending laws from Toyota Motor Credit Corporation. I also sent them notices about a third-party service contract that was included in my finance charge. I requested a warranty on my vehicle that i assumed Toyota was providing. They gave me a service contract that wasnt worth having. They failed to properly offer a proper resolution and I rescinded the contract. My contract and paperwork States that I have no cooling off period and nothing in my paperwork states I have the right to rescind. This is in direct violation of truth and lending and federal law. I mailed them a " Notice of Rescission ''. The first notice was mailed in XXXX. I also mailed a Cease and Desist Notice. The information is still on my credit report 6 months later with the balance still increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I am filing this complaint with the CFPB to request that Equifax, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ).

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6600.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$5500.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX, under account number [ acct # ], {$2900.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer FICO credit report. Ive attached a list of these hard inquiries and a copy of my consumer FICO credit report from Equifax that includes these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: AL

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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief