vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently pulled my credit and saw that I had XXXX inquiries on my XXXX report that I didnt authorize. I dont have an account on my profile nor have I applied for any credit from synchrony bank or XXXX XXXX. I have tried to reach out to the credit bureaus and the companies to no avail. Please advise

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 2024-06-20 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: AR

Complaint narrative:
Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXX XXXX XXXXXXXX

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 2024-06-20 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: AR

Complaint narrative:
Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: AR

Complaint narrative:
Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXXXXXX XXXX XXXXXXXX

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 2024-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Abrahamsen Gindin LLC
State: PA

Complaint narrative:
I am requesting verification of the debt, including the original agreement- i never received the original written agreement - making this garnishment unjustified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Unathorized inquiry RELIANCE MOTOR CREDIT Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX  Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 





i noticed this issue in XXXX correct information needs to be removed : XXXXXXXX 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 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 2024-06-20 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: NY

Complaint narrative:
I request you to remove these inquiries. I have no knowledge of them, and the company did this without my approval.

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 2024-06-20 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:
In a stern tone, I must bring to your attention that I have repeatedly notified the Experian credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, Experian is the only one that has not rectified this issue. I demand you to remove the accounts from XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX, along with any unauthorized inquiries that have been made. I expect prompt and satisfactory action from your end.

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 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company Credit Collection Services began reporting a debt collection to credit bureaus without any notice or communication. Under FDCPA regulations, Debt collectors must establish contact and give notice PRIOR to reporting to credit bureaus. 

I am also entitled to debt verification to which the collection agency has failed to comply. I disputed this through the credit bureaus and have not made progress. There are multiple issues with the manner that this account is being handled by the agencies as well as bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> and XX/XX/year> Home Depot credit card Alleged late payment

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 2024-06-20 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:
I have sent numerous letters to your office about my identity theft situation, but my concerns remain unresolved. I am once again disputing the fraudulent information negatively impacting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

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 2024-06-20 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: AR

Complaint narrative:
Verification and validation of this debt, with my full name and address according to my credit file. If the debt has been charged off, I have never received a 1099.

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 2024-06-20 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: AR

Complaint narrative:
Verification and validation of this debt, with my full name and address according to my credit file. If the debt has been charged off, I have never received a 1099.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: AR

Complaint narrative:
Verification and validation of this debt, with my full name and address according to my credit file. If the debt has been charged off, I have never received a 1099.

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 2024-06-20 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: KS

Complaint narrative:
My credit profile has a XXXX XXXX  and XXXX loan with the account number XXXX and was allegedly open on XX/XX/XXXX. 

XXXX XXXX  and XXXX is also a lender on an apartment complex my parents own and I am on the checking/savings account as a signer. In mid XXXX, a title loan was taken out on a XXXX XXXX and I was put on the loan improperly. The lender has a personal vendetta out against me and I can share emails which will be below. My attorney has shown that this account is improperly reporting and they claim default fraudulently and information they have furnished is incorrect. I did pay the loan off in full in return for it to be deleted off my profile but XXXX is a lying sack of XXXX bank. 

Experian has a duty to remove this incorrect account as the lender is claiming to have written off {$32000.00} which is false. The lender was PAID IN FULL and they lost {$0.00}!

According to Cushman v Transunion 1997, Credit Reporting Companies are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account vioaltes these laws : 15 USB 168li, 15 USB 1681s2.

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 2024-06-20 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: GA

Complaint narrative:
This is my follow up regarding incorrect information on my credit report that I have unsuccessfully tried to correct through multiple attempts with the credit reporting agencies. I have attached documentation of all my attempts to resolve these issues, including correspondence with the credit bureaus and responses received. Despite providing sufficient evidence that the information is incorrect, the credit bureaus have not made the necessary corrections. I request for your assistance in resolving these matters promptly and ensuring that my credit report is accurate. With this, I am asking for your assistance to correct the late open accounts and remove the public record in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX Bankruptcy Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
they put you through to many hoops they are not satisfied with that your info. 
is correct they want a mailed copy of drivers license and you can't speak to a live person i am XXXX XXXX XXXX and am not very good on computers. 
they bombard you with offers to buy other services instead of helping you to monitor your account and protect yourself this isn't fair to the consumer who is just trying to be safe.

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 2024-06-20 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: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/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 2024-06-20 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:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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 want to complain about the fraudulent activities on my credit reports. For the last XXXX or XXXX  months, I had been reaching out to the bureaus to get help in removing the fraudulent accounts and inquiries that are on my credit report. I was told each time to resend my FTC letters because they can't remove ALL of them because the FTC is invalid. This doesn't make sense to me because why would they remove the other items and leave a few behind if the FTC was indeed invalid. 

Please help me remove the ff fraudulent accounts from TransUnion and XXXX. XXXX already handled this and removed the fraud from my reports. 

Please remove the fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX and the fraudulent inquiries : for the inquiries, TransUnion and XXXX already XXXX these, it's only XXXX now that kept this on their records. Anyways, these are the fraudulent inquiries : XXXXXXXX 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 

I have attached and sent them my FTC and CFPB reports.

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 2024-06-20 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 want to complain about the fraudulent activities on my credit reports. For the last XXXX or XXXX  months, I had been reaching out to the bureaus to get help in removing the fraudulent accounts and inquiries that are on my credit report. I was told each time to resend my FTC letters because they can't remove ALL of them because the FTC is invalid. This doesn't make sense to me because why would they remove the other items and leave a few behind if the FTC was indeed invalid. 

Please help me remove the ff fraudulent accounts from XXXX and Equifax. XXXX already handled this and removed the fraud from my reports. 

Please remove the fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX and the fraudulent inquiries : for the inquiries, XXXX and XXXX already deleted these, it's only Equifax now that kept this on their records. Anyways, these are the fraudulent inquiries : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I have attached and sent them my FTC and CFPB reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, JPMCB ran my credit. I know what's on my credit report, as well as what accounts I have open. I don't check my credit at all since I am aware of its contents and what should not be there. I have attempted to resolve this issue, but I had to take matters into my own hands. Please see the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.

Complaint narrative:
I have submitted documentation via XXXX multiple times with a copy of my tax return with each submission. A tax return is an approved document per XXXX when filing for an income driven repayment plan. Per my tax return, my Adjusted Gross Annual income is around $ XXXX a year. Based on my understanding of federal regulations, and XXXX below $ XXXX annually should result in a repayment plan of {$0.00} a month. My wife has submitted the same documentation for her student loans to XXXX with no issues. However, Nelnet continues to refuse my application and is expecting {$400.00} a month in repayment, which simply is not possible.

Company response to consumer: Closed with explanation