vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Car loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, personal credit card account opened at XXXX XXXX, XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Charge off-ask them for the XXXXXXXX XXXX XXXX I never did business and if I did this is in violation of XXXX, and its also a XXXX XXXX  which isn't allowed on my credit report per XXXX Consumer Protection for XXXX XXXX Collections Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America has denied my claim XXXX times now stating that the product was delivered even though I never placed the order ( {$3000.00} ) and I never received the product. 

On XX/XX/year>, I was doing work on my computer and saw an email saying, 'Thank you for your purpose ''. It seemed legit, even though I never placed the order for a hunting rifle scope through XXXX XXXX. I then checked by credit card and yes, it was charged! I immediately opened a fraud claim and called the company asking if they received this order and they said yes. I explained to them that I didn't place the order, that it was fraud activity. The representative said 'OK, we'll take care of it. ' Apparently, the package was delivered ( I received the email stating that it was delivered ), but I work from home and no package was delivered. I didn't pay it any mine as I've spoken to the rep and everything was cleared up so I assume that it was just an automated response. Months passed by and while I was on a business trip in New York I saw that the charge was put back onto my account stating that Bank of America denied my claim. I didn't understand so I called them to understand what was happening. Apparently the package was redirected to an address in California. I never did such a thing. It was all too peculiar. I submitted a police report and BOA still denied my claim for the third time. No one has access to my physical credit card. So, I called the company, XXXX XXXX XXXX, and explained to them that I never placed the order and that XXXX of their reps said to me that they'll take care of it and they basically told me that they sent information to the bank and for me to reach out the BOA. I've spoken to XXXX reps from the company and they said that the money should go back onto your card, but it never did. I've asked to speak to a manager and they've never transferred me to anyone. 

I feel helpless in this situation and I refuse to pay for something that I didn't buy, especially at that price point. I don't hunt and I don't know anyone that does. Also, I am in the process of buying a house and my credit score has dropped over XXXX XXXX  because of this. It's causing a XXXX XXXX XXXX XXXXXXXX in my life and 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 monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
-On XX/XX/XXXX I was incarcerated and sent to XXXX XXXX , KS . 

XXXX XX/XX/XXXX I called Great Lakes XXXX  servicers to place my loans in deferment because I did not have any money coming in. 

XXXX XX/XX/XXXX, I found out that my savings account was drained and student loan payments were taken out from XX/XX/XXXX until XXXX of XXXX when the account ran out of funds. 

XXXX XX/XX/XXXX, I spoke with XXXX at Nelnet about a refund of my money in the amount of {$3400.00}, he told me, " We can't help you because the company ( Great Lakes ) no longer exists and it's been over XXXX XXXX so no refund can be issued. 

All I want is a refund but since the company that took my funds no longer exists, NELNET will not help me because it has been over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, 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  These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Experian Credit Reporting Agency XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft 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 2024-12-09 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: NY

Complaint narrative:
I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that XXXX have been established in my name due to this breach. 
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 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion lowered my XXXX XXXX by more than a XXXX points about XXXX weeks ago. 
Their mistake was their failure to include any of the accounts I was paying on time. 
They had reported them the previous month. 
I filed a dispute in proper form almost XXXX weeks ago. 
When I tried to check on it this evening I received the " run around '' for more than an hour. Changing my login credentials was also requested, but nothing was changed. 
And this occurred when I believe I had a paid subscription to TransUnion 's Credit Monitoring service. 
In any event, it appears that TransUnion is violating the Fair Credit Reporting Act and Consumer Protection Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-08 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: OH

Complaint narrative:
Hello, I have recently disputed errors on my credit report with Equifax and realized the errors on my credit report still exist. The accounts were Verified but no proper verification was provided. I have listed the accounts below that still have multiple errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to Equifax explaining the illegal errors and XXXX being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner.

I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-09 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This FraudulenXXXX 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 XXXXXXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The XXXX Credit XXXX XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NM

Complaint narrative:
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 XXXXXX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a zero balance. These reporting errors are unacceptable, and I demand they be corrected immediately.

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : 1. Drew v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications.

2. Ramirez v. Equifax, LLC A {$60.00} million settlement was awarded due to failure to properly handle disputed information and identity theft claims.

3. Jenkins v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} ) Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account. 


2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief