vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that Experian explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the XXXX, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, Experian has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold Experian, XXXX, and XXXX accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my 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 2024-11-11 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: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CL Holdings LLC
State: GA

Complaint narrative:
Collection account from JEFFERSON CAPITAL LL with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: PA

Complaint narrative:
I got a XXXX dollar loan I have paid well over XXXX already I have made over XXXX payments for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX of XXXX I purchased a XXXX XXXX regal from XXXX XXXX financed through regional acceptance at interest rate of 18.95 % above the legal limit of 18 %. As of today XX/XX/XXXX I have paid {$22000.00} in interest {$810.00} in other fees and {$12.00}, XXXX towards the principal total of {$35000.00}. 

Per the contract the finance charge is {$13000.00} with a total of {$32000.00} of payments on a 72 month contract. I have paid in excess of that amount as of today and still have a payoff balance of {$14000.00}. I realize that this come from the deferment given during covid but also that this company charges daily compounded interest and is not taking advantage of me and the situation. 

I believe this company is abusing the system and now this contract is no longer enforceable and the company needs to send me the title for the vehicle along with the interest paid in full plus any and all applicable fees and fines allowable by the state of Florida which include up to the full amount paid and twice the amount of interest paid.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as they are a result of a data breach and identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items from my credit file to ensure my personal and financial information is protected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: TN

Complaint narrative:
I am with Direct Express last XXXX my account was compromise so I ask them to send me a new card and they did but now my new card is not working and last month and this month XXXX and XXXX my card is locked i have this one since XXXX, i can not get access to my money to pay bills or buy Groceries because now they say my card is Invalid. What can i do if i need food or gas or pay a bill? I even sent pictures of my Drivers license front and back I am XXXX XXXX XXXX and that is my only means from Social Security. I am almost going to lose everything because of them. I have about XXXX dollars on the card. I even tried calling at XXXX XXXX  there is supposed to be open XXXX hours XXXX  days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
Nelnet 's automated phone service system doesn't function properly and needlessly wastes consumer 's time. First, the phone service system automatically hangs up while it is in the middle giving the information to consumers. Second, the phone service system requires borrows to provide account, birthday, and zip code information before telling the borrow that Nelnet 's customer service is unavailable for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I requested proof of purchased from this debt from 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 2024-11-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-11 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: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
XXXX XXXX XXXX XXXX Amount XXXX I reached out to this company asked for a debt validation they than sold the debt to another company I put in a dispute and got that company removed from credit report which was XXXX XXXX XXXX, I recently disputed this with the credit bureaus and they verified the account in less than 24 hours I dont feel the credit bureaus did a proper investigation.XXXX XXXX  has this one account reporting on my credit report 3 times,

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 2024-11-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Amount XXXX I reached out to this company asked for a debt validation they than sold the debt to another company I put in a dispute and got that company removed from credit report which was XXXX XXXX XXXX, I recently disputed this with the credit bureaus and they verified the account in less than 24 hours I dont feel the credit bureaus did a proper investigation.XXXX XXXX  has this one account reporting on my credit report 3 times,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Amount XXXX I reached out to this company asked for a debt validation they than sold the debt to another company I put in a dispute and got that company removed from credit report which was XXXX XXXX XXXX, I recently disputed this with the credit bureaus and they verified the account in less than 24 hours I dont feel the credit bureaus did a proper investigation.XXXX XXXX  has this one account reporting on my credit report 3 times,

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/year>, I opened a checking account to include online banking with Comerica Bank. My intention was to create a personal account for online banking for my home based business as I initially reported to the bank employee. I made a deposit into this account as a requirement. With in a few days I received a welcome email to open an online account. However, with several attempts, I was unable to complete the full process of creating a password and other options to verify my identity. 
Because of this, this process was never completed. I called to complain and was told that it is still online but with no resolution. Also, I was told that I would receive my new checks within five to seven business days. However, I never received my new checks. 
Within a few weeks, I received a check and notice from the fraud department communication that my account had been closed. 
It was not my intention to violate bank policies or rules. Again, my purpose for this account was for MY personal use for the account to be in my name only. 
I feel I was treated unfairly and now I have a need to open a new online account and I have been declined because of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as they are a result of a data breach and identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items from my credit file to ensure my personal and financial information is protected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-11 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 a copy of my credit report and noticed I have a fraudulent account on my credit report. It is affecting my ability to obtain credit and also see my credit score. Please remove this account from my credit report immediately.

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