vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 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: LEXISNEXIS
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA. XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Date RE : Case Number XXXX ( XXXX ) To Whom It May Concern, I am writing to dispute the information on my LexisNexis consumer report dated XX/XX/2024 I have enclosed a copy of the report with the disputed items highlighted. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any information that I dispute and correct or delete any inaccurate, incomplete, or unverifiable information. 

The following information on my report is inaccurate and should be removed or corrected : - Invalid court name : The report lists a court name that does not exist or does not match the official records. The correct court name is United States Bankruptcy XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX - XXXX XXXX XXXX : The report claims that the information was obtained from the XXXX XXXX XXXX, which is not a source of consumer or credit reports. The XXXX XXXX XXXX is a service that provides online access to federal court records for a fee. It does not contact or furnish any reports to consumer reporting agencies or credit reporting agencies. 

Therefore, the information from the XXXX XXXX XXXX is not reliable or verifiable. 
- Copy of the petition : The report does not provide the name or contact information of the company that filed the petition against me. This is a violation of the FCRA, which requires you to disclose the source of the information. I request that you provide me with the name, address, and phone number of the company of the petition as soon as possible. 

- Failure to verify, correct, or remove the account : The report shows that I have an account that I do not recognize or that does not belong to me. 

I have never authorized or consented to this account being reported on my credit file. 

You have failed to verify, correct, or remove this account from my report, despite my previous dispute. This is a violation of the FCRA, which requires you to promptly delete or modify any information that is found to be inaccurate, incomplete, or unverifiable. 


- Non-compliance of inaccurate information : The report contains information that is outdated, misleading, or irrelevant to my creditworthiness. 

I request that you conduct a thorough reinvestigation of the disputed items and provide me with the results and findings within 30 days of receiving this letter. 

I also request that you send me an updated copy of my consumer report with the disputed items removed or corrected. If you fail to comply with my request, I reserve the right to take legal action against you under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: MO

Complaint narrative:
Attached you will find that I took a loan out with Opurtun and they harass me by calling over 40 times within a few weeks and over 4 times in one day. They call prior to my payment being due and call everyday going forward until a payment is made. They do not follow fdcpa guidelines. I do not even be close to 30 days past due to where they should be making any form of collection calls. It causes disruptions at work and its embarrassing and causes stress and XXXX  because my account is not past due. Even after asking them to take me off the call list they continued to harass me. I would like to be compensated for the harassing calls and I would also like to sue the company if they do not try to resolve the harassment. The violate the law because they call up to 4-6 calls a day and they shouldnt call more than 7 times per week when its a debt. ITS NOT A DEBT UNTIL OVER 30 days. Each month since XXXX they have violated and Im entitled to {$10000.00} in damages plus more. Including paying for my lawyer fees. I will have additional call records when litigation takes place if they do not resolve immediately. When I block the number they call from another number over and over and I cant take it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
On [ XX/XX/2020 ], I received a notification from a debt collection agency informing me that my outstanding balance with Nissan had been sold to them. I was shocked and deeply disappointed to learn about this development, I immediately contacted the debt collection agency to inquire about the nature of the debt and was provided with limited information. Despite my repeated requests for clarification and documentation regarding the debt, I have yet to receive any concrete evidence that I owe the amount in question. 

I find it extremely concerning that Nissan would sell my debt to a third-party without any prior notice or explanation. As a valued customer, I believe that I am entitled to transparency and fair treatment in all my dealings with your company. The lack of communication and accountability in this matter is unacceptable and has caused me undue stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I spoke with XXXX at American Express gift card customer care at XXXX on XX/XX/year>. I explained that I received an {$800.00} American Express digital gift card from my employer. I've been trying to use it at online merchants that accept American Express, but the gift card hasn't worked at the majority of those merchants. XXXX advised that I can't attach my name and address to the card ( in a attempt to avoid getting flagged for fraud ), and AMEX can't mail a physical card to me. I'm unable to use hundreds of dollars where I need to use them, and their website falsely advertise that the gift cards can be used anywhere that accepts AMEX. Customer care can't offer me a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I was contacted about a series of collections that I was not aware of or they had the wrong information, which is a violation of the FCRA : - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I've sent letters to disputing these accusations but they have yet to get back to me.

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 2024-02-28 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:
To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

As previously disclosed, I am a victim of identity theft. I have reported this with the FTC. 
Please remove this inaccurate information from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with 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 2024-02-28 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: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ID

Complaint narrative:
I have contacted Mohela weekly for well over a year to get information on my Public Service Loan Forgiveness ( PSLF ) loans. No one ever has the same answer, every person states they are in training, and will then attempt to " transfer '' me to a representative who is " advanced '' but I will then sit on hold for upwards of an hour or longer and have been disconnected only to have to go through the phone tree again. 
After finally being told I needed to consolidate my loan, after calling several times, l had hopes there would be some kind of movement on my account. There was not. My loans were in forbearance and now I have a payment due despite showing I have made more than enough payments to have student loan forgiveness. Again, when I attempt to get answers, l am sent back to the phone tree/new hire/holding forever spiral. It is unprofessional and unacceptable. I appreciate that I am able to make time to even attempt to call, because I know others may not be able to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX  XX/XX/year> XXXX 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
In XXXX of XXXX it was brought to my attention by a lender while trying to get approved for a home that there was a collection item on my credit report totaling {$2700.00}. I was never notified of this collection, nor should I be held responsible for anything related to a debt towards XXXX  ( the original collector ) or TransWorld Systems, the current collector. In an effort to fix my credit and remove this collection for good, my wife and I were scammed by a company called XXXX XXXX XXXX into paying them to resolve this and delete the item from our credit report. Since then, we fired XXXX XXXX XXXX for fraudulently breaking the law by not being XXXX  compliant by being a for-profit company and charging us before the service was completed but they denied us ever being a client of theirs ( regardless of the XXXX XXXX as proof which we have attached below ). On XX/XX/XXXX I called TransWorld Systems and they advised me that XXXX requested to remove the account permanently and that their account balance for us showed {$0.00}. I demand that any and all collection items and history of this debt be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NV

Complaint narrative:
To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this 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