vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
i have information that does not belong to me in my report and it is harming me i want it to be removerd from my history 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 2024-01-19 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: TX

Complaint narrative:
I am a victim of the Equifax data breach. I have included proof from Equifax that I am a victim but they have done nothing to resolve problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-19 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: CA

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

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 2024-01-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerly 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 2024-01-19 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:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerly 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 2024-01-19 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: LVNV FUNDING LLC/ CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX -INQUIRY XXXX (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXXINQUIRY XXXX, (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX-INQUIRY XXXX, (XXXX XXXX XXXX XXXX XXXX XXXX  PA. XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX-INQUIRY XXXX XXXX XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX-ACCOUNT XXXX XXXX-DATE REPORTED-XXXXDATE OPENED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand XXXX and TransUnion to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I took a personal loan out in around XXXX from OneMain Financial and also bought an extra secure insurance to cover just in case I was unable to pay/finish paying my loan to cover me. I was paying on my loan and the extra insurance just fine until I lost my job. While looking for another job I contacted OneMain Financial to let them know. It was vert hard communicating and getting the right information regarding the extra insurance I added to the loan and was paying for. I kept getting forms in the mail to fill out and sent back with information and all the proof they requested. I will called after I've returned the form. Was told it was received but kept hitting a road block with excuses and getting the same forms sent to me. I was tired of the " runaround '' and My credit was ruin and I tried settling. I was told if I settle it was going take care of the negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not familiar with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not familiar with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
As you know Equifax criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. Equifax is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX  months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with XXXX and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to Equifax and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to 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 Also I want my Mortgage through Shellpoint updated as current as it is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I received a notification from my credit monitoring account that I had a new derogatory account from National Credit Adjusters for a balance of {$310.00}. I never received a notice of this account or notice of a right to dispute this account in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I set up my payments to pay twice monthly. I had to pay 1 month in advance to even set up the payment plan this way. I had been on this payment plan for around 1 year. Then in XX/XX/2023, they charged me a late fee and saying I didn't pay the full amount on time. I called the company and the person I talked so waived the late fee because she was able to look at the payment history. I just noticed they are charging me late fees again because they are not applying the partial payments correctly.

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 2024-01-19 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MI

Complaint narrative:
My loans were switched from XXXX to Mohela in summer/fall XXXX. There was little to no information on the switch to begin with. My payment with XXXX before switching was around {$28.00} per month. I have been paying even during the pause. Once the pause ended and I was switched to Mohela, It stated my payment was going to be over {$500.00}. I recently got married, but do not make much more money than when I began with XXXX. In addition, my husbands student loans are higher than mine and he was able to request a lower payment with XXXX and get it approved right away. I have submitted many requests to lower my payment with Mohela, getting denied the first few times because I did not know I needed to submit paperwork ( you did not have to do this with XXXX and there was an option to opt out with Mohela ). I spoke with someone on the phone after resubmitting again ( in XXXX XXXX ) and they said they can put my loans on hold for a month until a decision was made on a new plan. The deferment did not work and I still have to pay over {$500.00} on this loan with still no answer to my submission in XXXX. I can not afford this payment and do not know what to do as this service provider has been so difficult, I would do anything to switch back to XXXX or have a different plan. I have even tried to submit my name change to Mohela and it still has not been processed for months. Is there anyway to assist with lowering my payment or changing loan providers, this is my last resort. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the Fair Credit Reporting Act, it is essential to ensure that consumer reporting agencies carry out their duties fairly, impartially, and with respect for consumer privacy rights. TransUnion XXXX and XXXX, as consumer reporting agencies, are obligated to respect my privacy, as stated in 15 USC 6801. Furthermore, according to 15 USC 1681, these agencies must only furnish a consumer report based on the consumer 's written instructions, to which they do not have my consent. Additionally, 15 USC 6802 requires a financial institution to provide an explanation of how a consumer can exercise the nondisclosure option, which has not been provided to me. The agencies are also reporting adverse information without my permission, which is in violation of the law. Moreover, they are not maintaining reasonable procedures as required by 15 U.S. Code 1681e, and I am choosing to opt out of their reporting services, as allowed by 12 CFR 1016.7.

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 2024-01-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
The company consistently changes information on its page, including due dates and anticipated payment amounts. Each time I access my account it says I am in a different repayment program and have a different due date. I have made various payments and not all of the money has been applied to my loans. It also hasn't been applied to interest or fees- the money just disappeared. As an example, I made a payment of {$1500.00} in XX/XX/2023. The payment was confirmed and {$1500.00} was taken from my bank account. Nelnet only applied {$920.00} to my account. I asked for additional information and have received no response as to where my money went. They effectively stole over {$500.00} from me. I also believe they are miscalculating interest. Interest is compounding at an alarming rate and higher than the annual rate agreed to. Despite making substantial payments since interest started accruing, they have charged more than XXXX XXXX in interest. The calculations are inconsistent. Nelnet has ignore all requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
I can not log into my Loan and pay my mortage. None of the sites work on smartphone, Laptop or desktop. I tried using XXXX XXXX and XXXX and nothing. Says error when I enter the code they texted me. When I entered it in correctly, Very frustrating Also they sent me an email saying that I was hacked from the dark web from my account.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION is reporting that the account is terminated. I was only a authorize user on that account. The account is still active and the only change was the account number. 
account : 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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
They just stopped calling but never removed it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Scammer stole identity from a friend who he hacked his account and pretended to be scaling a car and asked for the money we did a XXXX transfer but it was not our friend it was a scam the bank will not refund the money since the scammer does not agree to return it.

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 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Network Inc
State: AZ

Complaint narrative:
They call often and I have told them its not something I can do right now due to loosing my job and then finding one that I make very minimal at and have to pay for my son. They keep saying interest is added on daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i have information that does not belong to me in my report and it is harming me i want it to be removerd from my history XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have information that does not belong to me in my report and it is harming me i want it to be removerd from my history 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