vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: LA

Complaint narrative:
I reached out to Transunion in XXXX to dispute inaccurate information on my credit report. They said things came back verified. They also took over 30 days and hit me with stall letters asking me to provide information I sent them to prove I am in fact me! In XXXX, I responded via mail asking about their methods to verify this debt as I see inaccuracies all on my credit report about these accounts and even the collection agencies didn't respond to me or provide information or they sent inaccuracies too. 

How can Transunion say they got stuff to said it's mine and I couldn't? I asked for proof and contracts and I did not get any of that. 

Dear CFPB- PLEASE hold them accountable and have them remove this from my report! 

They also sent me stall letters on XXXX ( XXXX XXXX XXXX ) and on XXXX ( XXXX XXXX XXXX ) asking for proof of address. This is a stall tactic as they know they are illegally reporting information but are attempting to buy time and extend the required 30 day response. Why are you asking for proof of address when you mailed the letters to my address? 

This is illegal and they should be held accountable!

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/23, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. - According to, U.S.C. 1681 section 602 A. states I have the rights to privacy. - According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX  XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my privacy is being violated and this company is not complying to my request.

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 2024-01-16 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: DISCOVER BANK
State: CA

Complaint narrative:
I submitted an opt out letter to the company and received no response. Its been more than 21 days at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am eligible for XXXX XXXX XXXX XXXX but Mohela can not get my payments correct. The dates of employment I submitted are entered in incorrectly, the amounts owed have changed drastically over the past several months, and I have made XXXX payments of the XXXX required but only XXXX are counting. This system and the rules are confusing and difficult to access so I overpaid for years. All of these extra payments have been deemed ineligible because it was during forbearance but I was working full-time at my university then so they should count. Last month I got a notification that XXXX payments out of XXXX counted. Every month I get drastically different information about whether my payments count and how much I currently owe. 

On the main account page it says my next payment of {$330.00} is due on XX/XX/2028 because of all the extra payments but I just got a statement saying that {$1100.00} is past due from last month. Which one is it? And shouldn't all of my extra payments be applied toward loan forgiveness? 

It is impossible to get someone on the phone ( I have tried 3 times and I get disconnected or never called back or called back at times when I can not pick up ) and unclear what I should be doing now. 

The bottom line is that I have made many more payments than I needed to in order to qualify for loan forgiveness and my loans should be forgiven. I have paid into the system much more than I needed to and have been paying my loans off consistently for over 10 years at qualifying institutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
Despite some of these accounts were already being removed from XXXX and TransUnion on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. 

This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. 

Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Charged too much credit while XXXX  in Louisiana. Was not aware of the 6 % XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America credit card fraud has been going on since XXXX 2023. They are still claiming I owe over XXXX dollars and are charging late fees and interest and sending me to collection! I owe this bank nothing, but they are reporting me 199 days late on payments to XXXX, XXXX, XXXX, which is really hurting my XXXX XXXX!! I hope you can help. Bank of America has had over XXXX dollars total fraud on my credit card since XXXX of 2023. This all seems to me a little fishy?

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 monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ). 

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures. 

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent. 

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing. 

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15U.S. Code 1681e ( b ) I would like this item to be removed.

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 2024-01-16 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: MO

Complaint narrative:
Yet another dispute can't open and once again HUNG UP ON

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 2024-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.

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 2024-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It XXXXay Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15

U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.

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 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
MOHELA placed my loans automatically in deferment in XX/XX/2023 instead of letting me resume payments. I tried to set up payments again online prior to the hold ending but it was not possible online. I sent two secure messages with no reply asking for them to remove my deferment status ( inaccurate ) and let me resume payments. I have also tried calling twice and been on hold for over 40 minutes each time with no help. They also have inaccurately processed my PSLF ( public service loan forgiveness ) forms. I also mentioned this in my messages but never received a reply. I sent in several PSLF forms but they did not process them.

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