vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
Subject : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX regarding my account ( Account # : XXXX ). I have reviewed my credit reports from TransUnion, XXXX, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments.

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing.

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-03 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-10-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Dear XXXX I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report and noticed that there is an item listed that is incorrect. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Reported Amount : {$120.00} The report indicates that I owe {$120.00}, I DO NOT OWE THIS COMPANY ANY MONEY, but I have paid this account in full as of XX/XX/year>. 
According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this matter and correct my credit report accordingly. 
Please confirm receipt of this letter and provide me with the results of your investigation. If you need any additional information, please do not hesitate to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-10-03 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:
I have inquiries on my credit report that I did not apply for at all.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
There were 9 Charges from " XXXX XXXX '' on XXXX XXXX of them were declined due to potential fraud and 6 were approved. The approved Charges were for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I reported these charges as fraudulent the next day, as I did not use this card at this merchant, nor did I spend this amount at this merchant. The merchant got ahold of my CC and my XXXX without my permission and charged over {$2500.00} across XXXX different credit cards without my permission. All other banks involved noticed this and denied and/or cancelled all transactions. My Robinhood Gold Card responded that all charges were valid since the physical CC can not be counterfeited, so if the card was charged they had to have been approved by me. I explained they somehow got into my wallet and charged multiple credit cards without my permission, and these charges were fraud. All charges were charged within XXXX minute of each other. 

There is no phone number for the Robinhood Gold Credit Card, only email correspondence through their app. I asked them to perform a chargeback request to the merchant and asked what information they received from the merchant to prove the charges were valid, but they declined to provide any information. I did not sign for or approve any of these charges, and don't event know what they are claiming I purchased for roughly {$1000.00} on this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I originally borrowed {$100000.00} from Sallie Mae, now Navient. 

Over nearly XXXX decades, I have paid Navient {$130000.00}. 

Today I owe {$100000.00} I was victim to the Navient Forbearance Scam that was settled with XXXX states. However, because I live in XXXX, I was not allowed any remedy. Instead, I have watched my interest rates fluctuate regularly, with some now over 10 %. 

Even more frustrating when I consider that Georgia was part of the settlement - a state where I lived during college, when I borrowed this money, to attend the The XXXX XXXXXXXX XXXX XXXX and Design. 

Early on, after graduating college, I had difficulty making the high payments. When I asked for an income based repayment program or to pay what I was able to afford, I was refused, required to pay a Forbearance fee that did not apply to my loan, and all of it was tacked back on. This happened multiple times, exponentially adding to my loan early on, which has no ballooned beyond comprehension. 

I have been a good citizen and customer here. I have paid far in excess of what I borrowed, yet, I've reduced my principle by less than {$2000.00}. 
I don't know what to do. I have contacted lawyers. I have contacted the Dept of Education. I have previously filed a complaint with he CFPB on XX/XX/year> ( ID # XXXX ), but was soundly rejected. 

Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened a auto loan with XXXX in XXXX, I called in XXXX and talked to a representative trying to settle the debt. I asked for a copy of the contract to be sent to my current location in which I never received. Also, I was told that they couldn't locate my account. Under the FCRA sharing my information without my authorization violates my right to privacy. Now it is unclear who I owe for the debt that's reporting on 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 2024-10-03 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies that persist on my credit report despite previous attempts to resolve the issue.

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 2024-10-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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  I looked at my Experian credit report On XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am a victim of credit breach and XXXX  with unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that XXXX  activity please remove immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am a victim of credit breach and XXXX  with unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that XXXX  activity please remove immediately. 

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 2024-10-03 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: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your 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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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