vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data 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 non-monetary relief
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data 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 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I graduated from XXXX XXXX XXXX in XXXX and started loan repayment 6 months after graduation. The repayment plan I accepted was explained to me that after 20 years of interest payments, my loan would be forgiven. I have been making payments for 13 years with the exception of XXXX. My repayment recently started up in XX/XX/XXXX. I wanted to know when my loan payment plan would end so I contacted Nelnet to get that information. I was told that my repayment plan is not what I thought it was. The payments have been going to interest only, but my loan repayment will only end once the principal is paid off. This information tells me that my loan will never be paid off because the way it is set up is that my monthly payment only goes to interest and has been for the past 13 years. I am XXXX XXXX XXXX and at this point, I would never see the loans be paid off, it would take decades to get to that point. I am currently looking for a better way to pay the loans, but I am utterly disappointed with Nelnet for not making my repayment options known to me. I would like some support or guidance in how to handle this situation. I currently owe {$31000.00}, the same amount I owed in XXXX. This is a terrible way to pay a loan and I don't understand how a financial institution can have a program such as this. I am currently unemployed and my situation seems completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I've been trying to fix this problem for almost 1 year now. Marcus by Goldman Sachs bought the GM credit card that was owned by XXXX XXXX. During this transition they mistakenly closed the account. They have since re opened the account but my 30 year credit history has gone away due to their mistake. Now this account is showing as a new account and it's lowering my credit score significantly because my length of history is showing an average age of 11 months vs over 30 years before. My score was over XXXX and now it's in the XXXX range. That's a huge drop. This account was my oldest account and was never a problem till Marcus bought it. I've made prior complaints on this and thanks to the CFPB they did get it fixed but only on one credit report which was XXXX. When I made another complaint asking them update on the other two credit bureaus ( XXXX and XXXX ) they took a step backwards and now all three reports are wrong again. They said on the last complaint there was a XXXX on this account. That makes no sense. There has never been a XXXX on this account. If there were, the account would have been closed long ago by the original lender which was XXXX XXXX. This account was in perfect standing when they acquired it. Someone at Marcus is making a very large mistake and for some reason they don't seem to understand my problem and how I want this fixed despite countless phone calls to them. I have documents to attach to this complaint to prove all this. One letter from Marcus admitting their mistake and how they would fix it ( which they haven't ) and copies from my credit report showing how the account was in perfect standing the last month XXXX XXXX owned it and the first month Marcus owned it. Again, no XXXX has been on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MD

Complaint narrative:
Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE! The following credit bureaus are reporting these unauthorized inquires 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 2024-01-04 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: NC

Complaint narrative:
XXXX  XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ).

Said information was shared without authorization nor consent to TRANSUNION by way of identity theft and they are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to dispute inaccurate information on my consumer report that is being provided by Lexis Nexis. This misinformation is hindering my ability to open a bank account, and I request its immediate removal. Additionally, I request that Lexis Nexis provide proof of the accuracy of the disputed information in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . 

Your immediate attention to this matter is expected and appreciated.

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 2024-01-04 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had manyUp late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX Account XXXX XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Synchrony Bank Attn : Three Major credit bureaus I am writing to formally dispute the recent reduction in the credit limit of my Amazon account ( ending in XXXX ), from {$10000.00} to {$6500.00}. This action has been taken based on alleged delinquencies or derogatory marks on a real estate secured loan, as stated in your correspondence among other factors. I must assert that this is a clear error, and I request an immediate investigation and reinstatement of my original credit limit. 

For approximately XXXX years, I have maintained this account with consistent, automatic scheduled payments. The claim of any recent derogatory status on my real estate secured loan, as cited in your letter, is incorrect and not reflected in my credit history. To substantiate my position, I have enclosed the following documents : A current copy of my yearly credit report obtained from XXXX that your company referenced, clearly shows no delinquent or derogatory marks on any of my real estate secured loans. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating consistent and timely payments for the period mentioned in your letter. 

Additionally, I would like to highlight that I have XXXX real estate loans, both of which are current, with no issues of delinquency. Enclosed are the documents about both loans, affirming their good standing. 

Given the evidence provided, I respectfully request the following : A thorough review of the decision to reduce my credit limit on the Amazon account ending in XXXX. 
An immediate correction of any inaccuracies in your records, especially regarding my real estate loans. 
A reinstatement of my original credit limit of {$10000.00} on the Amazon account, as the reduction appears to be based on incorrect information. 

This unwarranted reduction in my credit limit has adversely affected my credit score and caused significant inconvenience. I trust that Synchrony Bank values accuracy and customer satisfaction and will act swiftly to resolve this matter. 

I appreciate your prompt attention to this issue and look forward to a resolution that reflects the accurate status of my financial commitments. 

I also humbly request that the CFPB publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

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 explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
My XXXX loans are still appearing on my credit reports ( XXXX and Transunion ) as active. These loans were XXXX through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary 90 days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
Getting repeat calls from XXXX from structured settlement. Received first call on XX/XX/year> at XXXX a voice message was left. Received next call on XX/XX/year> at XXXX from the same XXXX XXXX left voicemail. I've blocked the numbers but the repeat calls are from different numbers but voicemails left from same person at structured settlement. XXXX and XXXX are the numbers XXXX is calling from

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested my consumer report from XXXX XXXX XXXX, I was alarmed to find out that Capital One 360 reports a savings account in my name which I never opened. Bank Name : CAPITAL ONE 360.. This is FRAUD/Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a 7 year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

XXXX XXXX XXXX  This is frustrating and impedes the process to financially prosper. 

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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall n
ot furnish any information relating to a consumer to any co
nsumer reporting age
ncy if the person knows or has reasonable cause to believe that the information is inaccurate.

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) submitted a 100 % fraudulent document trying to collect a debt I don't owe. I personally went to the bank and spoke to a certified banker and they verified the letter was not from them and is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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