vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-03 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: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted a fraud claim in the amount of XXXX XXXX  because I did not make the purchases. On XX/XX/XXXX, The Way2Go program accepted the claim, sent a letter stating they have given me the funds back and closed the claim. It is currently XX/XX/XXXX and I have not seen this money. I have called weekly, and everytime I get the response of Ill send this to a supervisor and you will have an answer within XXXX days or I have fixed that, give it until the end of the day and yet the money still has NOT come back to me. This is my XXXX XXXX XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: DISCOVER BANK
State: IL

Complaint narrative:
A discover card was fraudulently opened in my name. An email address ( XXXX ) and phone number ( XXXX ) that does not belong to me; was used to obtain an online account. Payments were made on this account and returned unpaid from an account that does not belong to me. Authorized users were added to this account that I have absolutely no knowledge of. I have been crying out to have this fraudulent account removed from my credit for several years even before it became delinquent. My disputes were denied continuously. I was not living at the address on file when this account was opened and have provided proof several times. I have attached a bill that shows my address in XXXX of 2017. I have also attached a copy of my lease that shows the address I moved to in XXXX of 2017. I never requested a new card from discover nor retrieved any card. The account is NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THERE AR A LIST OF INQUIRIES ON MY REPORT THAT I DID NOT APPLY FOR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I NEVER HAD OR GIVEN ANY CONSENT FOR THIS ACCOUNT XXXX NEVER HAD THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ARE REPORTING LATE PAYMENT THAT ARE INCORRECT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THERE AR A LIST OF INQUIRIES ON MY REPORT THAT I DID NOT APPLY FOR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER HAD OR GIVEN ANY CONSENT FOR THIS ACCOUNT XXXX NEVER HAD THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ARE REPORTING LATE PAYMENT THAT ARE INCORRECT

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 2024-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-03 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: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting
entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-03 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-04-03 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:
I am urgently seeking the removal of this inaccurate inquiries on my account this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.

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 2024-04-03 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: NY

Complaint narrative:
I am urgently seeking the removal of this inaccurate inquiries on my account this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.

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 2024-04-03 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-03 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: VA

Complaint narrative:
In XX/XX/year>, I called MOHELA to check the status of my PSLF. After a long conversation the servicer asked if I wanted to file paperwork to receive a refund for any payments made during COVID forbearance period. I said yes and we went through the process over the phone. I called back several times between XXXX and XXXX. On one of the phone calls, it was discovered the paperwork was never filed, on another phone call, it was shown that it was filed incorrectly. Finally in early XXXX, I saw the balance of my MOHELA accounts increase by the expected loan amount, {$35000.00}. I called back on XX/XX/XXXX to ask about the timeline for receiving the refund check. They said everything had been already been sent out and I need to wait XXXX business days. In XXXX, I called again and the servicer told me the paperwork had been filed on XX/XX/XXXX ( while i was on the phone with them and they told me everything had been filed ) and that I just needed to wait XXXX business days. At this point she says that a check had been mailed according to my account. I call back again in XXXX, servicer says there is no record of a check being mailed, but that the paperwork had been filed. We are now well beyond XXXX business days. My loan has been increased by a value of $ XXXX since XX/XX/XXXX and interest continues to accumulate. However, I have not received any refund check or any assurances that this is being handled correctly. It has been over a year since the initial paperwork has been filed and 6 months with the updated, interest-accruing loan balance. 
I want my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: NC

Complaint narrative:
In XX/XX/year>, just recently AFTER I put my FIRST DIGITAL XXXX on AUTOPAY ( -for the XXXX time- ) I actually made a DIRECT-DEBIT CARD payment on XX/XX/year>. Apparently, soon after I made that DEBIT CARD payment, the FIRST DIGITAL " Computer System '' OR possibly some COMPANY XXXX  attempted to make a XXXX AUTOPAY payment of {$50.00}, which would be Erroneous & additionally, this Credit Card 's limit is ONLY {$300.00}. Therefore, in XX/XX/year>, I CALLED & SPOKE with the First Digital Card employees- EXPLAINING & DISPUTING the UNAUTHORIZED ATTEMPTED charge of the additional {$50.00}, & for a REMOVAL of the UNJUST {$30.00} RETURNED check fee. Furthermore, I did " request '' for PROOF & a FORMAL investigation & or Explanation of why the XXXX AUTO PAY was " initiated '' - AFTER I already made a PAYMENT. The last time I checked my Credit card account, it APPEARS that First Digital XXXX may have REMOVED the unlawful {$30.00} returned check & the UNAUTHORIZED {$50.00} attempted payment, YET my last {$5.00} payment made several days ago STILL has NOT been credited. Therefore, First Digital has apparently, possibly put this account on RESTRICTIONS & they recently sent me 2 letters stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX, I was attending the XXXX XXXX XXXX XXXX and was misled when enrolling in so many ways. One of which was in taking private loans from Navient ( previously known as Sallie Mae ) to finance my education. These private loans came at a high interest rate and had a high risk of default -- in part due to predatory lending practices and well as being misled about education and career opportunities by the school. 

One of my Loans was for {$13000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$16000.00} in accrued interest and still have an unpaid principal of {$8300.00}. 

The other loan was for {$10000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$7000.00} in accrued interest and still have an unpaid principal of {$4400.00}. 

The estimated payoff date for both of these loans is in XXXX. 

Since graduating in XXXX, I have struggled to pay off my loans -- often having to choose forbearance or deferment while interest continued to accrue. I have been consistently strong-armed by Navient n an effort to be able to enter into repayment or to simply make payments. They used scare tactics as well as other means of harassment to get me to agree to various repayment terms. Eventually I was scared into an extended repayment plan which the company has profited from greatly due to the ridiculous amount of interest that has been paid and will continue to need paid. 

Navient has already been sued by XXXX state AGs regarding predatory loans to attend for profit schools such as the XXXX XXXX. This is ridiculous to allow this to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: ND

Complaint narrative:
XX/XX/XXXX my XXXX financial services amount was increased from XXXX to XXXX and has constantly been increased and decreased repeatedly. I have screenshots to prove it. Explain to me how that is legal?? Cause that effects my credit and gets my disqualified from opportunity which is discrimination. This XXXX needs to stop 3 months of this nonsense is really XXXX me off

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 
I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief