vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Sloan Servicing from Nelnet This website FREQUENTLY will not allow me to login - the webpage times out, or just becomes a blank screen, or simply tries to load. Or simply never loads. This has been happening for months. It caused me to miss a payment, and by the time the website worked, I was charged a late payment fee. I would have called them, but could not locate a phone number that would take me to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
To Whom it may concern, On XX/XX/year> I wrote a check to an individual to complete a transaction for me. This person had an account. with Citibank. The check was deposited and debited from my account on XX/XX/XXXX, XXXX whatever reason Citibank deemed it suspicious and held the funds. At a later date they closed the account and still kept the funds. Their client tried to have the funds returned to me. On XX/XX/year> I reached out to the Citibank Executive response team concerning this and was informed that they would contact their client. I know that this did happen, but after several attempts to get any information Citibank says they are investigating and the " back room '' is looking into the situation. The back room can not be contacted. This is a bank to bank issue. My financial institution XXXX XXXXXXXX XXXX XXXX ). has responded to all communication from Citibank and I still have no resolution. I really think this is criminal. It has certainly caused much stress and XXXX. I really hope you can help me

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to express my deep frustration about the accounts on my credit report that are in pending litigation. Ive contacted your office several times to correct this issue, but Ive been met with silence or no action. Its disheartening to see my credit score impacted by accounts that arent even finalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: NV

Complaint narrative:
This is a third party company trying to collect on a debt for XXXX XXXX. I received a settlement from a lawsuit Against this company and no further collections was agreed in the lawsuit Settlement plus a Refund. I supplied the company With the information that I received from CFP B. But they are saying that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Credit agencies are reporting false information about my credit usage.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My credit report is still showing I owe a balance of {$2700.00} which is incorrect and these accounts are impacting my credit score. Upon my request these accounts are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: SC

Complaint narrative:
I am reaching out to request an investigation into these accounts, as there seems to be confusion regarding their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I have not been informed of this change, nor have I received any related notifications by mail.

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 2024-12-27 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: MOHELA
State: TX

Complaint narrative:
Spoke to XXXX supervisor with the customer advocacy team and credit line rep with Mohela. Who confirmed the account ( XXXX for {$72000.00} ) was not mines and I am not the signer. The rep generated two ticket numbers to have it removed from my credit reports. Ticket numbers XXXX and XXXX. The rep also stated he checked in the database which indicated and reads that I am not associated with those loan balances, so they need to get removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently applied for and was offered a job ( XX/XX/2024 ). The company that hired me, XXXX XXXX, has pushed my start date because of inaccurate information on my XXXX credit report. After nearly two weeks trying to obtain my report and attempting to speak with customer service about the supposed discrepancy with my Social Security Number, I was informed today ( XXXX ) that Capital One provided an incorrect SSN to XXXX. 

My wife and I previously spent months, from XXXX through XX/XX/2024, dealing with an unwarranted freeze that Capital One placed on our joint credit card immediately after we opened the account. They claimed that they were unable to verify my identity, even after I provided multiple copies ( by fax and postal mail ) of my Social Security card, Pennsylvania state ID, and green card. They never contacted us about the status of their inquiry -- instead, my wife had to call multiple times over those months just to ask about the status of the inquiry. We were never informed when the inquiry ended and our account was available for use again, nor were we informed that they provided an incorrect SSN to the credit agencies. 

This inaccuracy has now prevented me from starting a job that I have been offered. Without a resolution, I'm unsure of whether this job offer will expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
I paid a member membership fee to Lexington Law in XXXX through XXXX in my credit was never repaired or fixed. I paid about {$700.00} fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-27 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
See attachments! 
I submitted a form via CFPB complaint case # XXXX on XX/XX/year> to have my address updated. XXXX though Experian responded back to CFPB on XX/XX/year>, My address was not updated. This has been a recurring issue with Experian. Experian has been claiming that they are not receiving the documents submitted via CFPB. 

With that said, Experian is not allowing me access to my consumer report. I called on many occasions and spoke to supervisors, and they response was, " submit directly to Experian, not the CFPB. Yet, the same issue keeps occurring and experiencing is claiming they didn't receive the documents. 

Experian will sent an email that my dispute has been completed, on to go to the site and see that my consumer report is not available online. 

CFPB please hold Experian accountable for these stalling tactics to consumers.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My personal information was exposed to the data breach. According to 15 US 1681, I have the right to privacy. The information reported does not accurately reflect my financial history, and I am requesting that the entry be removed. The data breach resulted in my credit being pulled without my permission or without permissible purpose. This is a violation of the FCRA. I am requiring all negative entries including the student loan amount be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. I'm not aware of who the company even is and how they got access to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
The company XXXX XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. I'm not aware of who the company even is and how they got access to 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 2024-12-27 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the account listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following account is blocked and deleted from my credit report : ACCOUNT : XXXX XXXX XXXX - XXXX - XXXX - {$13000.00}

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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-27 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: TN

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-27 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: AZ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-12-27 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: AZ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I tried o work with this company they keep.emailing me about this debt that is not mine there name is 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 explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I tried o work with this company they keep.emailing me about this debt that is not mine there name is 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 explanation
Consumer complaint received 2024-12-27 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:
I tried o work with this company they keep.emailing me about this debt that is not mine there name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a possiblemisunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.

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 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: NC

Complaint narrative:
On or about XX/XX/year>, Alliant Capital Management and its representatives ( " Alliant '' ) contacted my estranged husband, XXXX XXXX ( " XXXX XXXX '' ), with whom I am legally separated and currently undergoing divorce proceedings. ( See XXXX XXXX. XXXX, XXXX XXXX XXXX NC. XXXX A legal separation agreement was incorporated with the Complaint in this matter, explicitly paragraph XXXX, titled Debts that states that our finances, including any debts, are to remain separate and will not impact the other party. If so, they can file suit and recover attorney 's fees. 

Despite this, Alliant contacted XXXX XXXX and disclosed my personal financial information in violation of the agreement. During the XX/XX/XXXX call, an Alliant representative ( either XXXX or XXXX ) informed XXXX XXXX that I had obtained a personal loan in my name only. They further disclosed details, including the loan amount, the number of months I was behind on payments, and Alliant 's prior attempts to contact me.

That same day, Alliant also contacted my mother, XXXX XXXX, who suffers from severe medical conditions. To exacerbate the situation, XXXX attempted to contact XXXX XXXX again on XX/XX/XXXX and once more on XX/XX/XXXX. Following these incidents, XXXX XXXX informed me that Alliant had shared details of my debts, including information I had not provided to him nor authorized Alliant to disclose. 
Outraged by these actions, I immediately contacted Alliant to address this clear violation of my rights under the Fair Debt Collection Practices Act ( " FDCPA '' ). During the call, their representative, XXXX XXXX, denied any wrongdoing. When I attempted to explain the violation, he raised his voice and interrupted me. I subsequently informed him that any further communication with me should be in writing.

Alliant 's conduct was both malicious and willful, constituting a clear violation of my rights under the FDCPA. Concerned about potential retaliatory actions by Alliant in their debt collection efforts, I contacted the Consumer Financial Protection Bureau ( CFPB ) to seek guidance on submitting a formal complaint.

This violation by Alliant has negatively impacted my divorce proceedings, tarnished my reputation, and raised broader concerns about similar misconduct toward others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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