vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-11-11 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: NY

Complaint narrative:
Nelnet displays on its website a payment due date does not align with the Federal Student Aid.gov payment due date. Nelnet and my federal student dashboard consistently display information in different ways and sometimes display slightly different information. The two systems are not synced up enough to handle the various deferments/injunctions/pauses of the federal student loan program. Displaying accurate payment information seems like a basic requirement for a student loan servicer, yet the Nelnet website does not appear to display accurate information, provides no additional useful information from the FSA site, and doesn't provide the information a borrower needs to verify interest calculations or deferment statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
This letter serves as my final follow-up regarding the unresolved disputes on my credit report. Despite multiple attempts and ample time for resolution, I have yet to receive a satisfactory response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
This letter serves as my final follow-up regarding the unresolved disputes on my credit report. Despite multiple attempts and ample time for resolution, I have yet to receive a satisfactory response.

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 2024-11-11 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: TX

Complaint narrative:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. 

You must block and delete these fraudulent accounts from my consumer report within 4 business days.

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 2024-11-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
This letter serves as a formal and legally binding demand for the immediate correction of Metro 2 and FCRA violations found within my credit report. The flagrant inaccuracies in your reporting constitute a gross disregard for the Fair Credit Reporting Act ( FCRA ), and I require these items to be addressed immediately. Failure to act will result in escalated legal action, formal complaints to regulatory bodies, and demands for financial restitution due to the damage caused to my creditworthiness. 
XXXX. XXXX XXXX Credit Card ( Account # XXXX ) Violation : Contradictory Payment Status. The account comment states it is a " current account '' while also reflecting a 30-day delinquency, which is misleading and damages my reputation. 
Violation : Inconsistent Last Activity Date, failing to align across all bureaus. 
Demanded Action : Remove the incorrect delinquency status and update the last activity date uniformly. Non-compliance will trigger further legal action and complaints to federal regulators. 
2. XXXX Charge Account ( Account # XXXX ) Violation : Misleading Account Closure Comment, falsely implying delinquency-related closure without clarification. 
Violation : Inconsistent Late Payment History, with contradictory delinquency records lacking proper documentation. 
Demanded Action : Immediately correct the closure comment to reflect accurate information, remove any unsupported late payments, and provide written verification of corrections. Continued non-compliance will not be tolerated and will lead to legal proceedings. 
3. XXXX XXXX Credit Card ( Account # XXXX ) Violation : Erroneous Late Payment Entries, including multiple unsupported 30-, 60-, and 90-day delinquencies. 
Violation : Account Closure Comment Misrepresentation, implying that the account was closed solely due to consumer fault.

Demanded Action : Remove all baseless late payment entries and correct the account closure comments to accurately reflect the accounts status. Legal action will ensue if these items are not addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
LUGGAGE FORWARD HELP CLOUD I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
LUGGAGE FORWARD HELP CLOUD I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I requested a loan and was approved for {$700.00}, an online application with some human interaction. The loan was originally approved in 2022 and I made weekly payment amounts of {$31.00}. I eventually paid one loan off and received another loan of the same amount, {$700.00}. During the course of this loan my account was compromised. Before the loan was defaulted, I went on line with an alternative payment method, my credit card. I attempted to pay, {$92.00} to catch up and pay forward on the next, or upcoming payment. However, the system rejected my payment method which led to the default on the loan. Going forward, I was clearing my credit report and noticed they had reported the loan as derogatory. Upon making arrangements to settle the account, I received several letters from XXXX XXXX. XXXX XXXX stated they were now collecting the debt previously owned by Opp Loans. In XXXX, I reached out to XXXX XXXX in an attempt to settle this debt. After verifying I was the correct person through several personal attributes unique to my account, the representative was able to verify they had my file. I explained to the representative that I wanted to pay the balance of the loan, the representative said that Opp Loans had retracted my file and she could not accept my payment. Then the representative went on to try and reverify more information and at that time I discontinued the call as I had already given more information than I should have since I know they no longer have authorization to collect I am not compelled to continue my contact with them. I later contacted the credit bureau and requested Opp Loans verify the account. The dispute was resolved as verified but I am uncertain who the account holder is. And at this point I am no longer interested in working with third party collectors as my information has been compromised and is floating around on the dark websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00}

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX FUNDING under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and XXXXI am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS 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 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS 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 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I received a payment from a friend for lunch for {$22.00}. On XX/XX/year> I received a payment of {$100.00} for a sofa I was storing for a friend, XXXX XXXX. The account XXXX XXXX opened a dispute and Venmo withdrew the funds temporarily. I won the dispute and they deposited the amount back, but Venmo has since permanently deactivated my Venmo account with no clear reason as to why, and have not let me withdraw the current {$22.00} balance that belongs to me. I was notified by account specialist XXXX XXXX on XX/XX/year> to provide a photo of my ID which I sent over immediately, and on XX/XX/XXXX was notified of the permanent deactivation of my account with no opportunity to speak to someone or gain clarification. The Venmo request is # XXXX.

Company response to consumer: Closed with explanation