vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Disputed Inquiries from XXXX Credit Report Dear XXXX, I am writing to formally request the removal of several inquiries from my credit report. Below are the confirmation numbers and dispute details : - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX Despite submitting these disputes, I received a letter from XXXX dated XX/XX/XXXX, stating that you do not have my credit report. I find this information incorrect as I previously disputed inquiries. I kindly request that these inquiries be removed immediately, and that an updated credit report be mailed to me as soon as possible. 

The inquiries in question include : - XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX - XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XX/XX/XXXX : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XX/XX/XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Please correct my credit report and update the status of these inquiries accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-10-08 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: NC

Complaint narrative:
The program was collecting funds from me, approximately {$2500.00} over a period of several years. I left XXXX, due to XXXX. XXXX XXXX XXXX XXXX office convinced them to review this matter. Before, I kept getting under review for 12+ months. 
The review says that they are not giving my funds back to me due to the funds were collected before the TDD. 
The issue mentioned by myself that was ignored, was that XXXX knew that I would not be returning, and failed to protect my rights via the U.S. Education Department by providing an exit interview. An exit interview would have given me insight, and recommendations into repayments, and TDD. 
The department acknowledges that I was XXXX when the funds were collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I have recently identified inaccurate account that are being reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home and these are severely hurting my loan options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List account name and date List account name and date You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX - XXXX XXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX  XXXX XXXX - XX/XX/2024

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance u
nder 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Both XXXX and XXXX have failed to remove the debt although it has been proven through multiple disputes that debt validation guidelines/items that were requested from the collection agency via mail in XX/XX/year> were not met by the collection agency. I have filed disputes repeatedly through XXXX and XXXX. These credit agencies have ruled in the favor the of the collection agency I am disputing even though I have not yet received a response to the debt validation letter from the collection agency ( I.C. System Inc ) The debt reported to my credit by I.C. System Inc is not mine and debt validation requests have been ignored. The charge should have been billed to my secondary insurance at the time ( XXXX ) if the agency found that my primary insurance at the time that was provided by my employer ( XXXX ) did not cover the charge. Instead of taking these steps, I was billed instead while having both XXXX and insurance through my employer. I have since opted out of the insurance provided by my employer, as I have switched to a salary position beginning XX/XX/XXXX and now have another health insurance provider through my employer. Either way, at the time of the charge, I should not have been billed as this charge could have and should have been covered by XXXX when I had XXXX. I have attached a copy of the debt validation letter that I sent by mail to the collection agency, and that has been uploaded to both XXXX and XXXX dispute centers in attempt to dispute the debt. The collection agency has failed to meet the guidelines of the debt validation letter and yet, I the reporting agencies mentioned have not removed the account from my credit. I have the right to the information requested in the debt validation letter within a reasonable time. This standard has not been met and

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove it.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America failed to repair my credit score after nearly one year ongoing fraught on closed credit card after their representatives reassured me me they will send information to credit agencies to fix my credit score.

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 2024-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon sublets their store card to Synchrony bank. They promote a 5 % cash back for your orders and sometimes increase offers to higher amounts like 25 % like for a recent specific brand/item. XXXX XXXX smart plug for 25 %. I wanted to track if it was applied to my account but there was no way to look up the rewards history or rewards applied to a specific order. 

It just shows up when it shows up and the amounts in your rewards balance mean nothing if you cant follow the math. 

This is severely lacking the disclosure required by law and the 2009 card 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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX I opened my checking account, and nothing looks wrong. There was no hint I needed further action or documents. 
XX/XX/XXXX I received a XXXX email, filled it and scanned my ID online. 
XXXX I still can not fund the account, all my deposits have been reversed. M & T XXXX says " it's still under review that's why it's frozen. You can wait until Thursday to call back. '' XXXX My savings account that I used to fund the M & T account both got reversed and frozen ( that I have to call to resolve it ). I called M & T again asking if I could close the account and delete everything I had with them. Their rep told me I can not do anything unless I go to a branch. The closest branch is XXXX away and only open XXXX to XXXX. 
XXXX Called XXXX time. After XXXX phone holds and transfers to 'another department ', they told me the account ban has been lifted on XXXX but I have to " call another fraud department to lift the online client ban ''. Here we go again on the XXXX call. 
XXXX they locked my online account again for no XXXX  reason! I had to call the XXXX time! They still did not tell me what the issue was all the time and were almost mocking me. 
Up to this moment, I still can't fund this account and the first monthly fee is on its way. I can not close my account either unless I drive to their branch and pay an early closing fee.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: WA

Complaint narrative:
Note This is NOT a duplicate complaint I provided the sane information to Consumer Financial Protection Bureau and to XXXX as I have to the credit reporting agencies ; all three. XXXX said none of the credit reporting agencies reached out to them or they wouldve investigated further. This has finally been resolved and after XXXX reviewed all of my documentation and investigated further, they determined that what is on my report is a fraud account ; identity theft. They watch me through the process of filing an identity theft report with FTC. That was done XX/XX/XXXX. They informed me that they sent notification to all of the credit reporting agencies to remove XXXX off of my reports. In speaking with the credit reporting agencies, especially Equifax, Im hearing that theyve done enough investigation and disputes will not do any further although new information has been sent to them by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
XXXX times since XXXX I have attempted to transfer to the SAVE plan. First time in XXXX I was told I make too much. XXXX month at XXXX. OK. then again the next month I tried again this time I was told I was in the allotted amount to qualify for the SAVE plan. Great! my payments went to XXXX. several more months go by and I call to get help getting online. I then find out I am not on the SAVE plan but am enrolled in the IDR plan. Once again I am told I am reenrolling you in the SAVE plan only to NOT be enrolled and still remain on the IDR plan. About a month ago I found this out. Upon finding out after calling customer service again because my plan should have been in forbearance if under the SAVE plan and the automatic deduction from checking was still taking place. At this point I was told only a paper SAVE plan could be done at this point online SAVE plan was no longer available. An application would be mailed to my home address. It's been a month. Still nothing. This loan is from XXXX  for XXXX and has gone to just under XXXX I believe there is something wrong here. What do you guys think? XXXX XXXX

Company response to consumer: Closed with explanation