vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested that XXXX XXXX be removed from my credit report because not only is it too old to be on my credit report, but the company has yet to be able to prove the amount the vehicle was sold for. The Federal fair debt collection act is clear that any debt more than 7 years old must be removed permanently. The last payment on this debt was far more than 7 years ago and the debt has been completely written off by the company. This debt needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach orfraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
XXXX XXXX is showing and. open account with a balance when it's been paid for over 2. yrs with a XXXX balance and is closed. They agree it's been paid but say they have no idea why it's still reporting with a balance on my credit report. 
I want it either removed or updated to correctly show a XXXX balance and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There's lot on my credit report I don't recognize someone I think stole my identity and open accounts in my name

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 2024-07-10 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: PA

Complaint narrative:
TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY BEHALF. PER 15 US CODE 1681S2(A)(1) (A(&C) AND `5 US CODE 1681-B OF THE FEDERAL CREDIT REPORTING ACT (FCRA) THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT
BE REFLECTING ON MY CREDIT REPORTS AS THEY VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER THE FCRA LAWS
PROVIDED, THEY SUMMARIZE THAT IT IS NON-PERMISSIBLE FOR A CONSUMER TO REPORT ANYTHING UNDER ANY CIRCUMSTANCES,
WITHOUT MY WRITTEN CONSENT OR INSTRUCTION TO DO SO. NO CONSENT CONSTITUTES AS IDENTITY THEFT. AS A FEDERALLY PROTECTED
CONSUMER, I AM DEMANDING THE REMOVAL AND DELETION OF ALL THE LISTED ACCOUNTS IMMEDIATELY.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE TRIED TO UPDATE MY NEW HOME ADDRESS AND NEW PHONE NUMBER BUT OLD ADDRESSES AND PHONE NUMBERS KEEP APPEARING 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 2024-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint against Navient Corporation concerning the handling of my consolidation loan, which my wife and I have maintained with Navient for over 20 years. Since XX/XX/year>, we have been attempting to transfer our loan to XXXX XXXX or a government lender to explore available forgiveness options. Despite our repeated requests for assistance, Navient has been unwilling to facilitate this transfer. 

Additionally, in an effort to compel Navient to provide the necessary assistance, I temporarily ceased making payments. However, rather than addressing our request, Navient has resorted to contacting unauthorized third parties, including my mother, my wife 's father, and at least one neighbor, disclosing our private student loan information. This conduct is not only unethical but also constitutes a violation of privacy laws and regulations governing the disclosure of confidential information. 

We are acutely aware of the available options for loan forgiveness and the legal framework that supports such transfers. Navient 's refusal to assist us in this matter and the subsequent disclosure of our private information to unauthorized parties have caused significant distress and are legally indefensible. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Navient Corporation for their unethical and illegal practices. We seek your intervention to ensure that Navient facilitates the transfer of our loan to a government lender or XXXX XXXX, and to prevent any further unauthorized disclosure of our private information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting another mortgage/home and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-07-10 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting another mortgage/home and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my personal statement that there is information within my credit file that is inaccurate. Pursuant to 15 USC 1681e ( b ) please update my personal information to be accurate and complete. 
See Attached 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
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
FINANCED A VEHICLE VIA WELLS FARGO, AT INCEPTION THE PAYMENTS SHOULD HAVE BEEN DEBITED FROM CHECKING ACCOUNT. ACCOUNT INFORMATION WAS PROVIDED SEVERAL TIMES A MONTH. PAYMENTS WERE NEVER DEBITED WHICH RESULTED IN LATE FEES AND NEGATIVE REPORTING TO CREDIT AGENCIES WHICH IMPACTED CREDIT REPORT AND SCORE. CUSTOMER WAS FED UP OF TRYING TO HAVE THEM CORRECT THE ISSUES SO HE DECIDED TO PAY OFF NOTE WHICH RESULTED IN A FINANCIAL INCONVENIENCE.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries have no connection to me, and I am not accountable for them. Their presence has resulted in severe emotional and financial strain. As an identity theft victim, I may be compelled to pursue legal recourse if this issue isn't resolved appropriately. These false and fraudulent entries have obstructed my plans to purchase a home and meet my family 's financial obligations, significantly impacting my economic stability. I've included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this matter for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unable to check my credit score

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One in response to the first initial complaint in regards to the incurring violation or conspiracy to violation to one soon to be Card Holder. Upon continued sorts of resolution speaking with many customers services representation of Capital One, the imposing sort of way to only receive the account to be opened further more the line of credit issued to the card would only open up due to installment of aid to the transaction. In light of this matter Discrimination comes to the surface as one capacity to contract is question. With this event the dead line to resolve these matter have been consumed by Capital One Lack of interest to resolve in a timely manner as promised in the response to the first Claim of Violations. In deep regards to this misfortune my Consumer right have been prohibited to me threw this event. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested the purchase agreement from XXXX XXXX, they could not provide it to me through the cfpb portal or via certified mail. I would like XXXX XXXX  removed from my credit report as they can not provide a purchase agreement as is required by the federal fair debt collection app.

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 2024-07-10 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: DE

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 explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I received a letter from Citizens bank on XX/XX/year> stating that my account was to be closed on XX/XX/year>. Even though the letter was dated for XX/XX/year>. So on XX/XX/year> I called in and spoke with with not only a representative but supervisor who told me that had no information of why this happen but that my account was frozen. And that I can go into the actual bank on XX/XX/year> and should be able to take my money out and then officially close my account to basically cut all ties with the bank. So I go into the Citizens Bank in XXXX XXXX, Ct on XX/XX/year> to speak with someone to figure what exactly is going on and how I can just remove all my money and never look back. They took they time procrastinating on communicating with the fraud department. Never made not one phone call to speak with anyone. Then said there was nothing they could do but the could close my checking. And I would have to wait for a check to be mailed out. So I ask is there a way for me to contact the fraud department myself and was told call the number on the back of my debit card that the deactivated without my knowledge. And when ask if there was anymore information she could tell me she said this is not the first time this has happen and that the company does tell them anything. Yet the letter told me to pass all my questions and concerns to that branch. So I proceed to call the number that I was instructed to call to speak with a representative, supervisor or at least someone who can help. I get to a rep who leaves me on hold for about 15mins just to say she had no information since they don't tell them anything and I was going to have to wait for check. It started to become a trend that was what they are told to say in situations like this. So I asked to speak to a supervisor named XXXX who acted as if he was the only supervisor for the company. When I ask about information of why this was happening once again nobody tells them anything. Then he told me that the bank can close or freeze anyone 's account at anytime without notice. So when I asked to be transferred to the fraud the department he told that the fraud department was some back office department that does not speak to customers. That was the first time I ever heard of that. I told him that I was told I could speak to fraud from the women I spoke to in the bank and he said that she lied. And he couldn't transfer. So I ask is there another supervisor I speak with and he said no just him. So I asked for possibly speaking to a representative again and he said no. And basically brushed me off. The said part is I deposited my lawsuit from a car accident and was in therapy for over 6mths and still getting back to normal to this day. And that money was taking care of bills and my family. What right do they have to do this.

Company response to consumer: Closed with explanation