vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently viewed my credit report and noticed that The current personal information being furnished is inaccurate, not relevant and out dated information. I am requesting that you update/correct my personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
NAME : Please update the name to XXXX XXXX ADDRESS : Please update the address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

I do not wish to have any telephone numbers on my report.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), 1 am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete. I have attached documents to verify my identity and proof of address.

Thank you for your prompt attention to this matter.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/XXXX I was on XXXX XXXX and thought what I was buying was a dresser from XXXX. This was, as I found out, a scam. I realized this fairly quickly, and I disputed the charge on the same day as my purchase with the bank. The bank did not get back to me until two days later and confirmed on XX/XX/XXXX they had received my disputed charge. Nothing happened until XX/XX/XXXX, until various charges were posting on my account from all over the USA, and including a few foreign countries. My charges went through until my balance was low enough for them to bounce. Just two notices in between the 100+ charges warned me about unusual activity. I contacted customer support and my small business debit card was locked and a new one was established. The customer rep could not help me and said it's the risk team that takes care of this and they can only be reached by email. I pay {$140.00} a year for the privilege of talking to someone when a problem arises, but there is nobody who follows up with me. The bank neglected in their duty and care when I disputed the charge immediately, the same day, on XX/XX/XXXX. They should have flagged my account, and alerting me they were locking my card asap. At that time, I was sure I was scammed, but not realizing my account would be hacked. On XX/XX/XXXX, I disputed the transactions one by one. On XX/XX/XXXX, I am getting confirmation from someone on the risk team that they received my disputed charges and did I lose the card or was it stolen? It was clear nobody had even looked at my account yet, or they would know that this was not a physical theft of my card or an exposure at some store. The card was always in my possession. I have sent evidence of the XXXX scam which I found to be very widespread and sophisticated and going on for several years now, with XXXX doing nothing about it. I have sent messages to XXXX and they don't get back to me. It is now two weeks since the initial disputed charge and I have yet to hear anything from the bank. I have been credited some charges that were pending but at this time still am missing about {$1000.00}. Now I found out that XXXX XXXX  who is associated with my bank FOUND was given an enforcement action by the FDIC exactly because they lacked adequate internal controls and information systems. I insist that the bank is refunding me all my money as soon as possible, so I can close the account and take my hard earned dollars to a bank I can trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2024-07-09 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: SC

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 explanation
Consumer complaint received 2024-07-09 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:
A submitted request was made and I am not please with the response. I would like an active investigation to be conducted. The following accounts doesnt belongs to me & I would appreciate if it can be removed. My identity was compromised & is currently being used by someone Im not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-07-09 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial distress and financial harm. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. 
Subsequently, I made multiple attempts to dispute these fraudulent items with the credit reporting agencies and provided all the necessary documentation to support my claims. I have also been in regular communication with the customer service departments of the financial institutions involved. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant stress and financial hardship. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Furthermore, I ask for a written response outlining the steps your organization will take to resolve this matter and prevent future occurrences of fraud. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items in my credit report : 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 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial distress and financial harm. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. 
Subsequently, I made multiple attempts to dispute these fraudulent items with the credit reporting agencies and provided all the necessary documentation to support my claims. I have also been in regular communication with the customer service departments of the financial institutions involved. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant stress and financial hardship. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Furthermore, I ask for a written response outlining the steps your organization will take to resolve this matter and prevent future occurrences of fraud. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items in my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc.
State: TX

Complaint narrative:
There have been numerous claims of fraud and misconduct perpetrated by online for profit schools, such as The XXXX XXXXXXXX XXXX XXXXXXXX. I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Fed. loans were discharged and my credit is currently in the process of being repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full post-class member. Just as XXXX is being held responsible for the corruption of private student loan lending, its time Firstmark is held responsible as well by XXXX. Acknowledging their wrong doing in private loan fraud. XXXX. Provide victims, like myself, a borrower defense application XXXX. Provide immediate relief be forgiving/discharging these predatory private loans made to attend online for profit schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a XXXX office to get new phone service. The salesperson offered me a free phone along with the new service. I asked repeatedly whether the phone was really free. The salesperson emphasized the phone was and would be free. I accepted the person 's word and took the phone. Soon XXXX started billing me for the phone. I looked at my copy of the original invoice and after a careful reading realized the salesperson had switched invoices on me while I wasn't looking. The copy contained a phone sales statement I never agreed to. I called their customer service asking them to erase the debt and told them what happened. Their representative refused. On XX/XX/XXXX a debt collector notified me they were going to begin collecting the debt. A few days later I sent them a letter with proof of my situation, disputing the debt. Since they were contacting me as a representative of XXXX I assumed they would forward their copy of my dispute letter to XXXX. Again calls to XXXX were unsuccessful. I waited a long while, thinking that if there were further problems they would contact me. In XX/XX/XXXX my credit statement showed XXXX had listed this matter as a negative report with rating agencies. I called XXXX about this and only got a recording, telling me I had to contact the collection agency, Diversified Adjustments Service. I made several attempts to contact the agency and only got recordings with no information on how to contact the agency directly. Finally on XX/XX/XXXX I was able to contact the agency. I was told they had no information about my dispute. Apparently it was lost or never received. I had sent my message to the email address their collection letter had given me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 explanation
Consumer complaint received 2024-07-09 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: MI

Complaint narrative:
Subject : Dispute Credit Closed Accounts and Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief