vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i was a victim of idenity theft. i have 4 accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX fXXXX XXXX XXXX XXXXdate fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my 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 this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent

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 2022-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Received a claim on XX/XX/2022 as part of a response to a complaint regarding a request for debt substantiation and their failure to provide substantiation on debt serviced by the same company, Firstmark Services, that separate debt also serviced by them that is paid up and current until XX/XX/2022 is listed as past due. This is despite the account having received a payment on XX/XX/2022 that was to bring the account current and another payment being rendered on XX/XX/2022 that paid the balance owed currently and future balances owed until XX/XX/2022. They claim, " we [ Firstmark Services ] must furnish your account data to the consumer reporting agencies. Under the Fair Credit Reporting Act, we [ Firstmark Services ] have an obligation to ensure data we furnish is accurate, '' while simultaneously and clearly providing evidence that they are currently misrepresenting account status in their notices and reporting system and due to this likely furnishing inaccurate information to those aforementioned consumer reporting agencies about other loans they are servicing at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number:XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number:XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was trying to buy concert tickets on XXXX, and I found someone by the name of XXXX. Through direct messages on XXXX, XXXX showed proof of owning XXXX tickets. We agreed on {$250.00} per ticket, and I wired her yesterday ( Sunday, XX/XX/2022 ) {$500.00} using Zelle. After wiring the money, XXXX requested another {$170.00} to cover XXXX XXXX XXXX purchasing fee. I told XXXX that I would not wire the {$170.00} until she sent me the tickets. XXXX refused, so we agreed that I would send {$100.00}, XXXX would transfer the tickets to me, then I would pay the remaining {$75.00}. After sending XXXX {$100.00}, she continued to refuse to transfer the tickets. I then messaged her the next day ( Monday, XX/XX/2022 ) and asked her to return the {$600.00} I had sent through Zelle, to which she did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit fouXXXX signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

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 2022-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: GA

Complaint narrative:
Established account on XXXX with Netspend via their XXXX XXXX XXXX Activated account by submitting online a copy of my US passport and Social Security Card on XX/XX/XXXX. Funded the account with {$2000.00} on XX/XX/XXXX. Transferred funds into their savings account, which i believe is XXXX. Account closed by company on XX/XX/XXXX due to suspicious account activity. There was no account activity other than funding the account. Company will not return funds, despite multiple instances in contact.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or around XX/XX/2022 I received notification that my account was frozen and overdrawn by an additional amount of {$13000.00}. These charges were made on a replacment card I was waiting to receive from Wells Fargo since early XX/XX/2022 which I was informed it will be mailed out in late XX/XX/2022 whenever inquired about delivery status. I have reported this problem to the local police dept, FTC, United States Postal Police, and CFPB to get this resolved as soon as possible.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX US DEPT ED - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states A person shall 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed

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