vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
This debt is more than XXXX XXXX XXXX, and this collection company used to be called XXXX debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of waypoint resource group XX/XX/XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix

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 2024-03-07 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have attempted to use this card at XXXX different retailers and it has been declined. I contacted Amex and they said the card is showing as Active and there is nothing they can do. For XXXX of my attempted purchases at XXXX, there was a test transaction of {$.00} processed successfully but then later the full amount was declined. The amount on the card is {$500.00} and it is very frustrating to not be able to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

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 2024-03-07 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: TX

Complaint narrative:
The collection listed below need to be removed from my credit report because there's no paperwork that legally verifies this account. The collection agency XXXX XXXX XXXX submitted a response stating that they would cease collection activity and inform the credit bureaus to remove this item, yet it is still reporting. This is false reporting and a violation of section 609! How can you continue to report when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at once : 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 2024-03-07 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: TX

Complaint narrative:
The collection listed below need to be removed from my credit report because there's no paperwork that legally verifies this account. The collection agency XXXX XXXX XXXX submitted a response stating that they would cease collection activity and inform the credit bureaus to remove this item, yet it is still reporting. This is false reporting and a violation of section 609! How can you continue to report when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at once : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
This is extremely urgent.

I have been working on these items since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.

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 2024-03-07 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: GA

Complaint narrative:
This is extremely urgent. 

I have been working on these items since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
In late XXXX or early XXXX, my student loans transferred from one loan servicer - Nelnet, to a new loan servicer - XXXX. However, after many disputes with credit bureau, XXXX, multiple calls to Nelnet, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with Nelnet, which is incorrect. Both XXXX and XXXX are correctly reporting on my Nelnet accounts as " closed, transferred to another servicer '', but XXXX is having trouble confirming this with Nelnet. Due to this issue my student loan balance on my XXXX report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with XXXX, per Nelnet 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my Nelnet account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to Nelnet, XXXX, Department of Education, and XXXX to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX I was notified by a contractor that they hadnt received payments for 4 months. On XX/XX/XXXX they had sent me an email asking to update their direct deposit information. Apparently, XXXX did not flag this email as fraudulent and they updated the contractors contact information. I updated the bank account info as requested from them but it was a scam. I immediately called the bank they updated it to and also my bank. The bank they had me update it to ( XXXX ) said they couldnt do a reversal without the scammers permission which is silly. My bank ( Huntington ) said that since I knowingly sent the money that they didnt see it as fraud. I had my contractor email me saying this email was not sent by her but my bank still is denying reversal. The total over the 4 months of deposits was {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct. # XXXX has violated my rights.I have no first hand knowledge of any debt with is company. This is fraudulent as my information was obtained, illegally. 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct. # XXXX has violated my rights.I have no first hand knowledge of any debt with is company. This is fraudulent as my information was obtained, illegally. 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

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 2024-03-07 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:
XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXXXXXX XXXX XXXXXXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-07 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: OH

Complaint narrative:
I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2024-03-07 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: OH

Complaint narrative:
I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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