vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained my full credit reports from the credit agencies TransUnion, XXXX and XXXX and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : XXXX is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. TransUnion are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. XXXX has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. XXXX is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained my full credit reports from the credit agencies XXXX, XXXX and Experian and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : Experian is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. XXXX are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. Experian has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. XXXX is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.

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 2024-01-08 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: NY

Complaint narrative:
I have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I have already reported to Experian that some of my personal information is incorrect. If you would kindly delete this inaccurate information from my credit profile within the next 15 days, I would greatly appreciate it. I have listed the details of my personal information once again, which you are inaccurately reporting and must remove immediately. Please see below : - Name : XXXX XXXX. I do NOT have any other names or aliases, and I do NOT want any other names or aliases to be retained or reported. 
- Address : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any other current addresses, and I do NOT want any other addresses to be retained or reported. You are infringing on my consumer rights. 
- Social Security Number : You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my Social Security Number on my credit report poses a safety issue and exposes me to potential identity theft. I have already informed you about this issue, and it still remains inaccurate. 
- Date of Birth : XX/XX/1988. I do NOT have any other dates of birth, and I do NOT want any other dates of birth to be retained or reported. 
- Contact Information : My cell phone number is XXXX, and my residential number is XXXX. My employer is XXXX XXXX XXXX 
- Spouses, Roommates, and Co-applicants : I do NOT have any spouses, roommates, or co-applicants, and I do NOT want any spouses, roommates, or co-applicants to be retained or reported. If there are any, please delete them immediately or provide proof of your legitimate authority to retain or report without infringing on my consumer rights. 

Once you have removed the inaccurate information, I would like my fully completed and corrected credit report, reflecting these changes, to be mailed to XXXX XXXX. Due to these clear violations of 15 USC 1611, USC 1681n, and USC 1640, I need to be compensated {$6000.00} for each violation.

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 2024-01-08 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-01-08 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: CA

Complaint narrative:
I have tried for the past 2 weeks to unfreeze my credit report and have not been successful. I am submitting this complaint through the cfpb for help in resolving this problem with the credit reporting agency TRANSUNION. They say I need to prove my identity because they cant verify it. To rectify this identity theft issue I have attached all my identification documents that identify myself, along with a request to unfreeze my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  and Capital One sent me a fraudulent cashier 's check from my closed out checking out almost twelve months after the account was closed. The fraudulent cashier 's check could not be cashed despite Capital One 's policy regarding their bank issued cashier 's check. The check was issued directly from Capital One and they knew that it was not funded at the time that they mailed it to me. As a result the Capital One cashier 's check bounced multiple times. Capital One representatives repeatedly lied about the check and its replacement status. I've communicated to several Capital One representatives including the CEO 's office that they should immediately send a replacement check to the same address information they had for the for the destroyed fraudulent check. To date I've had to suffer numerous lies from Capital One representatives and I have not received the cashier 's check requested or reimbursement for the bounced check fees incurred from their fraudulent check or any compensation for the damage that their fraudulent actions have caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
i have not consented to any inaccurate information on my credit report I've called and sent in disputes and request of deleting inaccuracies the company has not responded and haven't deleted the incorrect information off of my credit report they have broken federal trade commission and consumer laws. i have also circle and highlighted the inaccurate information on my credit report you will see them on the uploaded documents.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This matter was taken to court and on XX/XX/ a Motion to set aside default and Motion to dismiss on XX/XX/ was granted. So I want this matter off my record immediately please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite submitting my request on XX/XX/XXXX and XXXXXXXX XXXX acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation 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 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite submitting my request on XX/XX/XXXX and XXXX AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite submitting my request on XX/XX/XXXX and XXXX AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Despite submitting my request on XX/XX/XXXX and JPMCB AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : JPMCB AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into JPMCB AUTO 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: NV

Complaint narrative:
The company Nelnet student loan has not posted payments I've made to my accounts. 

I called in XXXX to correct this. 
I made my XXXX and XXXX of XXXX payments. 
The representative notified me that my loans have been forgiven and that a letter was sent out to me. 
I have not received this letter. 
The representative assured me that my payments will be refunded to me when mt account updates with the forgiveness. 

XX/XX/XXXX, I received a call from Nelnet stating my account is past due. 
The representative quickly apologized for the call and sees my account is in forgiveness. 

I asked the Nelnet representative if this will be reported to my credit bureau. She assured me it is illegal to do so since my application for forgiveness was approved. 

Unfortunately today XX/XX/XXXX my student loan account has been reported to all credit bureau and my credit score has no dropped XXXX points!! 

I need this fixed and soon. I am reporting because this should have not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This vehicle is abandoned and reported on my credit

Company response to consumer: Closed with explanation