vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 2023-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 2023-11-17 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to 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 non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
This is another request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
My loan forgiveness is not being honored. The payment count is not accurate and some of my loans are from schools that took advantage and were misleading in marketing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts 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 non-monetary relief
Consumer complaint received 2023-11-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to address a matter related to an account that has been reported on my credit report. According to the information available, your agency filed a notice of nonsuit for this account.

I kindly request that you initiate the necessary steps to remove this account from my credit report in light of the nonsuit filing. This legal action implies that the matter has been discontinued, and it is appropriate for the associated credit reporting to be updated accordingly.

Your non-compliance with my FINAL request of debt validation will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish.

I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: U.S. BANCORP
State: MO

Complaint narrative:
Some money transfers were made through XXXX, money transfers that I did not authorize, I indicated this to the bank ( in one of their branch ) and the bank said it could not do anything because the account is frozen. Around XXXX dollars were lost in two days thanks to their poor security management with the accounts and the checks that are deposited, they hold a check XXXX h and they do not inspect if is a real check or is a fraud, they just put money in your account and if the check is not legit they just charge you for that when is their fault because they should review the checks carefully before accept them and give to the customer the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have been legally XXXX for 7 years due to XXXX. I have never lived outside of Illinois due to my XXXX. During XXXX I was hospitalized for XXXX weeks fighting for my life and after XXXX I am now living on XXXX XXXX throughout the day. I am needed to move to a be care location and was informed that my credit needs to be at least XXXX in order to qualify. After pulling my credit, I learned that I am not eligible due to my low score. I discovered many errors on my credit report and fraudulent usage. After contacting credit bureaus most reporting creditors were removed due to never living in California, Texas and Virginia at the same time and while XXXX and hospitalized with XXXX. EASTERN ACCOUNT STSTEM ACCT # XXXX remains on my credit today even after showing proof of my residence. The company is reporting that I lived in XXXX Maine. I have never visit and can not point to it on a Map, even if I had vision. I am not certain what service was used in my name but they are unwilling to share. perhaps we could find out who lives there and arrest the user or owner. Further more, I have a voucher ( section 8 ) and I have lived on a XXXX for 7 years in illinois.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
My American Express XXXX XXXX XXXX XXXX! 

I want to share my experience with Amex. and XXXX XXXX. Here is why I would not recommend either of these companies : On XX/XX/2023 I signed up for the American Express XXXX XXXX card with a XXXX points SUB after spending $ XXXX in XXXX months and a no annual fee. 

On XX/XX/XXXX I reached the spending requirement. 

On XX/XX/XXXX I reached out to American Express and XXXX XXXX asking when I could expect to receive the points. The rep. at Amex told me that they had transferred the points to XXXX XXXX on XXXX XXXX and on XXXX XXXX they were transferred and accpeted by XXXX XXXX. 

On XXXX XXXX I again spoke in a three-way conversation with Amex. and XXXX XXXX confirming that the points had been transferred to XXXX XXXX. The XXXX XXXX rep submitted a Loyalty case and said the points should be posted to my XXXX account soon. 

XX/XX/XXXX I once again called XXXX about the Loyalty case and the rep. said they were still working on it. 

On XXXX XXXX I spoke with Amex. XXXX who said to check with XXXX on XXXX XXXX and the points should be posted soon. 

On XXXX XXXX I spoke with XXXX and was told that I should receive the points by the end of the day or the next. I was also told that they had received approval from their corporate office on XXXX XXXX for the XXXX points. 

On XXXX XXXX I spoke to someone named XXXX at XXXX corporate office and she said she was sending info to another dept and it was still in progress and she did not know why they had not been posted yet. 

On XXXX XXXX I spoke with someone from XXXX XXXX Assistance and they are requesting an update as the case is still in progress and that I would receive an email to that effect. 

As of today, XXXX XXXX, I still have not heard from anyone nor received the points. I believe there are better options out there for hotel points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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:
misspeled names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX  XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as | requested. I do have a contract with XXXX XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX XXXX they did not provide me with original contract as i requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract XXXX XXXX  they did not provide me with original contract as | requested. | do not have a contract with XXXX they did not provide me with the original contract as | requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: MD

Complaint narrative:
Experian has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by Experian. Experian illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. Experian is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by Experian. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to Experian. These same Acts that are in place to protect the public from Identity Theft are the same acts Experian are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by Experian?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to XXXX, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from XXXX. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from XXXX has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to XXXX, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that XXXX adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer. 



Enclosures : Copy of Debt Validation Letter sent to XXXX Copy of Identity Theft 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