vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX  helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : 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 2024-03-11 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-11 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: SC

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 inquiries need to be removed : XXXX XXXX XXXX || DATE : XX/XX/year> XXXX || DATE : XX/XX/year> XXXX XXXX || DATE : XX/XX/year>

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 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: SC

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 : XXXX Account 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 2024-03-11 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: World Acceptance Corporation
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed seem incorrect, causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 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 of 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
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 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 of 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
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and several inquires including XXXX XXXX XXXX XXXXXXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

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 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was enrolled in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and completed the years of service to pay off my remaining student loan. XXXX XXXX XXXX XXXX XXXX sent a check # XXXX to Nelnet in the amount of {$94000.00} to be split between myself and XXXX other recipients with my allocation {$33000.00} ( see attachment XXXX ). This check was cashed by Nelnet on XX/XX/XXXX per XXXX  XXXX XXXX XXXX. I continued to pay on Nelnet with {$600.00} of additional payments with current balance of {$32000.00}. 

XX/XX/XXXX - I called Nelnet and inquired about payment that should have been posted. Investigating this issue and put student loan in forebearance in the meantime. 
XX/XX/XXXX - I called Nelnet and were able to locate the check that was received and cashed XX/XX/XXXX. I was informed this XXXX take 30 days to post to my account. 
XX/XX/XXXX - I called Nelnet and stated they would escalate to leadership team and to check back within XXXX days. 
XX/XX/XXXX - I called Nelnet and stated it would take longer to post to my account and will escalate to leadership team. 
XX/XX/XXXX - I filed a complaint with Nelnet regarding this issue and received response stating my loans are moving to XXXX XXXX ( see attachment XXXX ). 
XX/XX/XXXX - I called Nelnet and still no updates. Told to call back in XXXX days for update. 
XX/XX/XXXX - My loan transferred from Nelnet to XXXX XXXX per Nelnet changes. 
XX/XX/XXXX - I called XXXX XXXX customer service and was told to submit a copy of the check to Submit my forms ( see attachment XXXX ). I was told this was sent to the leadership group for escalation as I am trying to buy a home. This account is still showing as a debt on my credit profile and should have been paid XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX XXXX customer service and do not see my Submit my form showing proof of the check from the XXXX  XXXX XXXX XXXX. I was sent to a supervisor 's voicemail. I called back requesting to speak to a supervisor in person. I was told the supervisor was on a call with another customer and would call me back. I have not received a call back. 

I am very frustrated that Nelnet cashed the check intended for my account and still has no brought my account up to date since XX/XX/XXXX. I am getting no where with Nelnet and has since shifted my loan to XXXX XXXX. Please help me receive the money that is due and I worked hard to get paid off for 5 years. 

Nelnet/XXXX  XXXX Account XXXX XXXX XXXX ( see attached XXXX statements XXXX & XXXX ). 

Please don't hesitate to contact me for further details. I hope you are able to hold Nelnet/XXXX  XXXX accountable for mismanagement of allocation of funds owed to me. 

Thanks, XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX - Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Over the last 4 years I have finally gotten my life on track but over the last month Midland Credit Management has repeatedly attempted to pull me down by harassing me despite my documented requests that they leave me alone. Apparently they believe I owe them money from 2014 regarding a {$600.00} XXXX account and they don't care if I'm at work or if I'm getting into bed they just want to harass me and even sometimes call and just hang up when I answer. I have XXXX XXXX as it is I just dont understand why they are trying to bring me down and embarrass me by calling my XXXX  Mother 's phone number and sending collection letters for her to see. She is XXXX XXXX XXXX and this is not ok! MIDLAND CREDIT MANAGEMENT JUST WILL NOT STOP - they are destroying everything i worked so hard for - my Mother 's respect - my ability to have normal functioning days. They treat me like I have no rights or like I deserve no respect unless I give them money. At first I felt intimidated and XXXX  - but now Im just angry and I demand they be held accountable for the damage their tactics have done to my life. 



XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I VISITED A NIGHTLCUB IN 2018 AND MY WALLET WAS STOLEN, IVE CONTINUED TO MONITOR MY ACCOUNTS BUT NOW I SEE CREDITORS ON MY REPORT THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE. I SEE SOMEONE HAS BEEN ATTEMPTING TO OBTAIN LINES OF CREDIT FROM CREDITORS SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I'VE CONTACTED THE BUREAUS INDIVIDUALLY IN REGARDS TO THIS MATTER VIA PHONE AND MAIL. THESE ACCOUNTS ARE NOT VERIFIABLE, AND NEED TO BE DELETED. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT MY ADDRESS BE UPDATED AND ADDRESSES WHERE I'VE NEVER RESIDED ALSO BE REMOVED FROM MY PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I VISITED A XXXX IN XXXX  AND MY WALLET WAS STOLEN, IVE CONTINUED TO MONITOR MY ACCOUNTS BUT NOW I SEE CREDITORS ON MY REPORT THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE. I SEE SOMEONE HAS BEEN ATTEMPTING TO OBTAIN LINES OF CREDIT FROM CREDITORS SUCH AS : XXXX LOAN, XXXX XXXX, AND MI SCHOOLS. 

I'VE CONTACTED THE BUREAUS INDIVIDUALLY IN REGARDS TO THIS MATTER VIA PHONE AND MAIL. THESE ACCOUNTS ARE NOT VERIFIABLE, AND NEED TO BE DELETED. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT MY ADDRESS BE UPDATED AND ADDRESSES WHERE I'VE NEVER RESIDED ALSO BE REMOVED FROM MY PROFILE.

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 2024-03-11 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: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 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: IL

Complaint narrative:
i filed a ftc and police report alerting XXXX  XXXX about # XXXX account several times and again on XX/XX/2024. It is fraudulent and not mines. and what it removes asap.

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 2024-03-11 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: CA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors.

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