vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Equifax credit report contains XXXX fraudulent inquiries from XXXX XXXX on XX/XX/year> and XX/XX/year>. Both of these inquiries are not transactions made by me as the consumer ; they're both products of identity theft, and as such they need to be removed from my credit report and file immediately. 

I never gave Equifax permission to furnish this fraudulent information, and as such they're currently in violation of 15 U.S. Code 1681 ( b ) and ( c ) ; they're violating my FEDERALLY PROTECTED privacy rights and rights as a consumer. 

Below I have attached a copy of the relevant FTC Identity Theft report ( detailing these XXXX fraudulent inquiries ), a copy of my driver 's license, passport, Social Security card, as well as document proving my residence in NJ ( that contains both a lease and recent bank statement with a NJ address that matches the XXXX listed as my primary address on my Equifax credit file ). 

I'd also like to mention that I sent you, Equifax, and Affidavit of Truth via certified mail that I can see was received last week. The Affidavit outlines that you, Equifax, have 10 days upon receiving the Affidavit to remove any and all fraudulent inquiries from my file. If they're not removed in that span, I will proceed with filing for default judgement against you and compensation for damages from you. 

I hope for and look forward to a speedy resolution to this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1692g 751 15 U.S. Code 1681b ( XXXX  ). 15 U.S. Code {$1600.00} 15 U.S. Code $ 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: AZ

Complaint narrative:
Nelnet my student loan provider is charging me interest but says I was placed in a forbearance by the Department of Education. The email said that my student loans should not accrue interest and while in this forbearance but it is. Nelnet is increasing my balance with interest and it is also being updated on my credit report impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
This company, XXXX XXXX XXXX has been on all three of my credit reports. I have disputed this company numerous times, yet, all three credit bureaus keep indicating its coming back verified. What doesnt make sense is, how can it be verified if the company itself is saying I dont have an account with them. I need this resolved. It has been impacting my credit report negatively and I have tried to reach a resolution many times over without success.

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 2024-09-15 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: TX

Complaint narrative:
This company, XXXX XXXX XXXX has been on all three of my credit reports. I have disputed this company numerous times, yet, all three credit bureaus keep indicating its coming back verified. What doesnt make sense is, how can it be verified if the company itself is saying I dont have an account with them. I need this resolved. It has been impacting my credit report negatively and I have tried to reach a resolution many times over without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, capital one has charged unaffordable fees and interest to my credit card making it impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
A medical provider filed my claim wrong. I asked them in writing and by phone to properly refill at least 6 times over the course of a year. The provider never corrected the issue and then turned it over to a debt collection company. I provided them with written documents showing their error and documenting my correction attempts and provided the legal basis for why I did not owe the money until it was properly filed. They have a contract with XXXX XXXXXXXX XXXX and if not properly filed it is a breach of their contractual duties. Even XXXX contacted them to assist and they refused to follow their instructions. I disputed with Equifax but all XXXX did was contact the debt company and confirm their belief it is a legitimate debt. They did not contact me for more info and did not contact XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/ 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I went to go withdraw {$200.00} from the ATM in XXXXXXXX XXXX XXXX  on XXXX XXXX XXXX on the XXXX of XX/XX/year>. When I went to go complete my transaction, the ATM swallowed my card and my funds we were not given. I went to one of the employees to explain the situation and she said I will get my money back and I will have to get a new card and make a claim. I made the claim the next day due to work and the 24-hour hotline dropping my calls. I have now received my claim was denied, even though the employee reassured me everything will be well since the ATM will be serviced and investigated. 
I never received my {$200.00} and had to get a new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED DUE TO DATA BREACH AND I AM SEEKING REMOVAL OF AFFECTED ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ALREADY FILED AN FTC REPORT AND CONTACTED THE CREDIT BUREAUS.

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 2024-09-15 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED DUE TO DATA BREACH AND I AM SEEKING REMOVAL OF AFFECTED ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ALREADY FILED AN FTC REPORT AND CONTACTED THE CREDIT BUREAUS.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 2. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXX Acct # XXXX 30 days late from XXXX, XXXX, XXXX of XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX of XXXX please update to current, XXXX  XXXX Acct # XXXX XXXX days late for XXXX XXXX days late for XXXX 90 days late for XXXX and XXXX XXXX late for XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  Acct # XXXX 30 days late XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ss Acct # XXXX 30 days late XXXX XXXX  XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I've had multiple back to back unauthorized transactions taken out of my account

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
The name of the credit card company is ASPIRE, and the card was issued through the XXXX  XXXX XXXX. The explanation of events depicted on the earlier page within your complaint process sums up everything to date. 

However, I want to reemphasize that the LAST customer service representative I spoke with assured me that the request for paper statements after cancelling my card for my protection would be granted. 

I have yet to receive a paper statement, instead, all I receive is repeated text messages asking me to pay {$89.00}. 

I made it perfectly clear that I will not make another electronic payment based upon the agreement made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 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: HI

Complaint narrative:
XXXX, Transunion, and XXXX all have my name and address wrong on XXXX  Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information.

I have an old Repossession on all XXXX  of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all XXXX. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation