vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. XXXX, XXXX, and Transunion are credit reporting business agencies, who have the duty to protect consumers privacy. According to the Family Educational Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. XXXX, Transunion, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. Equifax, XXXX, and XXXX are credit reporting business agencies, who have the duty to protect consumers privacy. According to the XXXX XXXX Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. Equifax, XXXX, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My new loan service provider is Nelnet, which acquired my loan from Great Lakes. I attempted to pay my loan on XX/XX/XXXX at XXXX XXXX, with the due date of XX/XX/XXXX. Nelnet would not allow me to make a payment until XX/XX/XXXX and told me that I had to pay late. I just want to pay my loan on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my Experian credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. XXXX, Experian, and XXXX are credit reporting business agencies, who have the duty to protect consumers privacy. According to the XXXX XXXX Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. XXXX, XXXX, and Experian are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX - Violation XXXX XXXX XXXX XXXX XXXX - validation of debt and XXXX5 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 3. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 4. XXXX XXXX XXXX ( OriginalCreditor : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXX  ( Original Creditor : XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. FCO ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i check my credit report last week and i noticed XXXX XXXX that mine

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