vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: KS

Complaint narrative:
I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what EXPERIAN, XXXX XXXX and XXXX are doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!!

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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have attempted this complaint twice now regarding Chase Bank. They are calling me so many times, they are making this website crash so they can push the call through. 
I had identity theft in XX/XX/2023. It took 90 days to get about 75 % of the money stolen from. XXXX accounts. The credit card company refused to listen and now they are calling from XXXX to XXXX sometimes 15-20 times a day and calling from different numbers. The balance is to {$1800.00} and the limit on their card was {$1500.00}. I asked for a limit change and they refused. Now their fees are well over the credit limit and I owe 100s of dollars more. 
If they call again during this session, I can not keep repeating the issues and typing all this on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXXXXXX 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. Public Record - U.S. Bankruptcy Court

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 2024-03-14 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: PA

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. Public Record - XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-14 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: GA

Complaint narrative:
I believe that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
On the studentaid.gov site, when I log in there is an activity section. It shows shows one " Open '' item. This item is for a Direct Consolidation Loan Application that was submitted on XX/XX/year>. It was given to Nelnet to be processed. As of this writing, the status of this application is currently Application Review ( Your loan servicer has received your application. Theyll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. ) Problem is that the loan was consolidated in late 2023 and has since been consolidated again. It is currently being serviced by XXXX. So it was funded in 2023, then paid off due to second consolidation. My account on Nelnet shows this as such and that the loan had been paid in full and I have a {$0.00} balance. However since it is still showing XXXX an " Open '' item on studentloan.gov, I am unable to select an IDR ( Income Driven Repayment Plan ) with an open item.

I placed reached out and connected with both Nelnet and Studnetaid.gov. Nelnet said there was nothing they could do and even after escalating to a supervisor, they just said I needed to work it out with studentaid.gov and provided me their contact info. 

When I reached out to srudientaid.gov, they told me the opposite, that I had to deal with Nelnet and they had no control over this, despite the information they have regarding this is incorrect. I need to get this resolved as I can not afford the payments without being enrolled in a XXXX plan. 

I do not know what else to do, I am hoping you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX and 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 2024-03-14 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: IL

Complaint narrative:
I have been on the market for home purchase as stipulated by lender I had to pay off collections in which Ive done n full. The credit bureaus have yet to update credit report as I have continuously disputed still same results. The lender read off my old data but the bureaus have my report updated on my end so why is the lender not getting the updated report. Ive sent receipts and letters from creditors as well as the creditors my account have been paid still nothing. I am unable to qualify for a mortgage because of this matter and when you call they hang up on you. I need this matter rectified for I am at a stand still with obtaining a mortgage and I have to continue to pay XXXX rent is absurd. Why should I have to pay a credit repair company when Im competent enough to fix my mishaps in which Ive done .tranunion, XXXX  needs to be audited. Please review these circumstances.

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 2024-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed unauthorized inquiries on my credit report that i would like to remove off my credit report. 

Experian 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 explanation
Consumer complaint received 2024-03-14 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously disputed the alleged public record with you and still have not deleted from my consumer file. The alleged public record you are reporting concerning me is inaccurate and also unverifiable by you. 

I have contacted the court on record listed on your report, XXXX, AND XXXX XXXX XXXX  They all have advised that they neither provide or verify court records to you all nor any other third party. My consumer file with XXXX does not show any bankruptcy, because there is none. Please see the attached. 

According to Federal Rules of Bankruptcy Procedures- Rule 9037. Privacy Protection For Filings Made with the Court only certain information are listed which may include the last four digits of the social security number, the year of the individuals birth, the last four digits of the financial-account number. 

Therefore, you could have not possibly verified and I request that you delete the alleged public record and send me an updated copy of my consumer credit report. In addition, I was denied credit due to the inaccurate reporting of my credit. Please see attachments.

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 2024-03-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had my Social Security check deposited in my wife 's account over which I had POA. She had XXXX XXXX and was a resident in a long-term care facility, she died XX/XX/year>. US Bank locked me out of the account and said since the account was not in my name I was not entitled to any information about the account. I was not able to get the XXXX check deposited in an account at another bank. I have not received it yet, despite numerous conversations with Social Security, US Bank and XXXX with the XXXX Treasury. 
Social Security says, talk to US Bank, XXXX Banks says, talk to XXXX Treasury, Treasury says they re-issued the check twice, but it was kicked back because the money was not returned.

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 2024-03-14 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: IL

Complaint narrative:
t 's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 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: IL

Complaint narrative:
Consistently, I've made sure that payments on this account are always timely, preventing any overdue status. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
t 's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: OK

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am in chexsystems for my bank account that was compromised due to my information being stolen and now I owe a debt because of it I would like to be removed from Chexsystems so that I can open up bank accounts like everyone else thanks

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 2024-03-14 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about XXXX per experian. I had a XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers one day, the bill was roughly XXXX usd. I use XXXX but I went to a local XXXX XXXX bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use experian to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX XXXX  left on a bill. It has gone over 90 days. My credit went from XXXX to XXXX! Experian told me it was courtesy that XXXX XXXX would take care of it, I sent them a letter and they told me it would be taken care of. Experian has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. XXXX XXXX has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief