vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX account 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 2024-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
ADS COMENITY XXXX XXXX XXXX XXXX XXXX, OH. XXXX TO WHOM IT MAY CONCERN : I have no knowledge of this debt I was not provided any notification of any debt from this company. I have not had any chance to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
In XX/XX/year> I started reaching out to Nelnet about my loans not being accurate. I tried from XXXX until XXXX when I finally got ahold of someone and didn't sit on hold or get hung up on. 

I have to put loans in forbearance 3x due to them not switching my due dates although they told me it was done and switched from the XXXX to the XXXX. Never was processed by them and over drafted my bank account 2x. 

Loan has compiled interests like no other although it's not supposed to be, payments aren't counted or totaled right still, they say they are? I've only made 5 payments? Great lakes I made over 60 payments is the catch. Went from XXXX to XXXX in less than 6 months of time? 

They tell me one thing but it's never right and it seems they just add more to my plate. I can't take it anymore and can't afford to even pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2024-05-05 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: IL

Complaint narrative:
To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. XXXX shows one late payment and TransUnion and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. EQUIFAX shows one late payment and XXXX and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: MI

Complaint narrative:
I have no knowledge of a debt from XXXX XXXX XXXX XXXX. I've never been involved with this company I have no clue what this debt is. Under FCRA guidelines this account needs to be removed from my credit file. 


Company : XXXX XXXX XXXX XXXXXXXX Remove this collection account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: MI

Complaint narrative:
I have no knowledge of a debt from XXXX XXXX XXXX XXXX. I've never been involved with this company I have no clue what this debt is. Under FCRA guidelines this account needs to be removed from my credit file. 


Company : XXXX XXXX XXXX XXXXXXXX Remove this collection account from my credit report

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
My vehicle was stolen from me on the third month of buying my car by the dealership helpers. I put {$2700.00} down and made 4 payments towards my loan. After my vehicle was stolen I filed a insurance claim and purchased a new XXXX  XXXX XXXX pickup from Texas. That's was never delivered to me. He then contacted the police department and said that the report was false. I was arrested for making a false report. 


I was XXXX shot at behind XXXX XXXX and my vehicle was stolen by these XXXX XXXX XXXX working with the police department in the form of corruption. 

Conducting illegal activity 's within the line of law enforcement. 

My brother was XXXX XXXX killed yesterday I called XXXX and no one showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered an account with inaccurate information showing two late payments that were actually made on time. I have attached a copy of my report dated ( insert date, month, and year ) for your reference. I request a thorough investigation to provide verifiable proof that these payments were late. If unable to verify, I demand immediate correction to reflect the payments as on time. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is due to XXXX adding a falsely reported late payment to my credit for the month of XXXX while disputing for the month of XXXX. I wa never let in XXXX so I am submitting a complaint on XXXX. I have disputing a late payment for the month of XXXX. was put under a payment arrangement due to my tenant being late on her rent so me having to pay for the rent here in XXXX where I am now stationed on top of my mortgage in florida. Due to her being late on her rent for my house in florida it put me in a bind. During my disputing I have now as of this week been hit with a late payment for the month of XXXX but I was never late in XXXX. I have 30 days to pay my car note. So I have until XX/XX/XXXX to XXXX payment. How do I get a late payment for the month of XXXX that never happened while disputing the month of XXXX late payment. This is unfair how they are doing me. Im trying to fix my credit and they are bringing my score down with these false late payments. I am submitting a complaint due to the FCRA regulations this is illegal. I am including the screenshot from the beginning of this month showing the XXXX late payment that I am disputing and submitted a complaint on the they added a late payment for the month of XXXX that I was not late on. They have not provided proof of the XXXX late payment they recently added to my credit and explained to me why I got a late payment for the month of XXXX when I was under an payment arrangement and wasnt told that under the arrangement I would receive a late payment on my credit. I have attached documents showing just this month there was no XXXX late payment and now I have a XXXX late payment that I was never late on on top of a XXXX late payment under a payment arrangement. How does a company do customers this way. Loyal military customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2024-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint is due to XXXX adding a falsely reported late payment to my credit for the month of XXXX while disputing for the month of XXXX. I wa never let in XXXX so I am submitting a complaint on XXXX. I have disputing a late payment for the month of XXXX. was put under a payment arrangement due to my tenant being late on her rent so me having to pay for the rent here in XXXX where I am now stationed on top of my mortgage in florida. Due to her being late on her rent for my house in florida it put me in a bind. During my disputing I have now as of this week been hit with a late payment for the month of XXXX but I was never late in XXXX. I have 30 days to pay my car note. So I have until XX/XX/XXXX to XXXX payment. How do I get a late payment for the month of XXXX that never happened while disputing the month of XXXX late payment. This is unfair how they are doing me. Im trying to fix my credit and they are bringing my score down with these false late payments. I am submitting a complaint due to the FCRA regulations this is illegal. I am including the screenshot from the beginning of this month showing the XXXX late payment that I am disputing and submitted a complaint on the they added a late payment for the month of XXXX that I was not late on. They have not provided proof of the XXXX late payment they recently added to my credit and explained to me why I got a late payment for the month of XXXX when I was under an payment arrangement and wasnt told that under the arrangement I would receive a late payment on my credit. I have attached documents showing just this month there was no XXXX late payment and now I have a XXXX late payment that I was never late on on top of a XXXX late payment under a payment arrangement. How does a company do customers this way. Loyal military customers.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is due to XXXX adding a falsely reported late payment to my credit for the month of XXXX while disputing for the month of XXXX. I wa never let in XXXX so I am submitting a complaint on XXXX. I have disputing a late payment for the month of XXXX. was put under a payment arrangement due to my tenant being late on her rent so me having to pay for the rent here in XXXX where I am now stationed on top of my mortgage in florida. Due to her being late on her rent for my house in florida it put me in a bind. During my disputing I have now as of this week been hit with a late payment for the month of XXXX but I was never late in XXXX. I have 30 days to pay my car note. So I have until XX/XX/XXXX to XXXX payment. How do I get a late payment for the month of XXXX that never happened while disputing the month of XXXX late payment. This is unfair how they are doing me. Im trying to fix my credit and they are bringing my score down with these false late payments. I am submitting a complaint due to the FCRA regulations this is illegal. I am including the screenshot from the beginning of this month showing the XXXX late payment that I am disputing and submitted a complaint on the they added a late payment for the month of XXXX that I was not late on. They have not provided proof of the XXXX late payment they recently added to my credit and explained to me why I got a late payment for the month of XXXX when I was under an payment arrangement and wasnt told that under the arrangement I would receive a late payment on my credit. I have attached documents showing just this month there was no XXXX late payment and now I have a XXXX late payment that I was never late on on top of a XXXX late payment under a payment arrangement. How does a company do customers this way. Loyal military customers.

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