vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is information in my Consumer Report that is IDENTITY THEFT. 
TRANSUNION Has been reporting my non-public information. 
I did not provide written or verbal permission for this information to be submitted in writing or electronically, that is IDENTITY THEFT. 
I sent a letter along with my COPY RIGHTED NAME CERTIFICATE, ASSUMED NAME CERTIFICATE dated XXXX -- XXXX, Tracking # XXXX received by Transunion on XXXX XXXX demanded for TRANSUNION to produce a written contract where I give my consent to assemble, collect, furnished and published my information. 
( please see attached exhibit A ). TRANSUNION failed to provide any contract. 

I also sent and Affidavit of Fact dated XXXX, Tracking # XXXX received by Transunion on XXXX ( please see attached Exhibit XXXX  ). Transunion did no rebuttal to my affidavit, an unrebutted affidavit stands as true. I asked TRANSUNIONN to properly VERIFY under 15USC 1861i the disputed information documenting who verified the alleged information, None verification was provided. Bankruptcy Courts do not provide any verification, please see attached letter from the Bankruptcy court stating to that fact.

TRANSUNION has broken the Law. compiling information that is supposed to represent who I am, without my permission is IDENTITY THEFT. 
15 USC 1681c-2, Using Identifying information of another person.

5USC 1681q Obtaining information under false pretenses.

15 USC 6802 b Obligations with respect to disclosures of personal information. 
Accounts : XXXX, XXXX XXXX # XXXX, XXXX, XXXX, XXXX. 
I demand this Information which is IDENTHITY THEFT & VIOLATION OF MY PRIVACY BE REMOVE 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 non-monetary relief
Consumer complaint received 2024-03-02 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:
They fired over XXXX people from their company in XXXX, and now getting a hold of customer service is impossible. I have called multiple times and been put on 2+ hour wait times, still without ever an answer ( I have had to hang up each time because no response ). Once I waited 5 hours on the phone and my batter died, forcing me to hang up. 

They will not respond to emails and have been completely unresponsive. 

I have filed for an Income-Driven Replayment Plan 3 times already, each time submitting the required paperwork exactly as asked, and each time I get a letter in the mail 2 weeks later stating my application was denied for incomplete paperwork. This is FRAUDULENT behavior and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM A VICTUM OF XXXX XXXX I WAS IN THE XXXX XXXX AND XXXX XXXX BREACH. AND HAVE BEEN FIGHTING WITH TRANSUNION SINCE THIS DEBT SHOWED UP ON MY ACCOUNT XXXX 

I HAVE GAVE TRANSUNION MY XXXX REPORT AND THEY TOOK THIS DEBT OFF IN XXXX, XXXX THEN THEY ADDED IT BACK TO MY XXXX FILE AND NOW THEY WILL NOT REMOVE IT OFF MY REPORT. 

I TOLD TRANSUNION THAT I CALLED XXXX XXXX XXXX AND XXXX XXXX XXXX  TO GET THE XXXX INFO AND THE COMPANY WANTED TO XXXX IT TO ME SO I GAVE THEM MY XXXX ADDRESS THEY THEN ADDED MY XXXX TO THE XXXX I TOLD TRANSUNION ALL OF THIS INFORMATION AND ALL THEY KEEP SAYING IS MY ADDRESS MATCHS AND I HAVE TODATE GAVE XXXX XXXX XXXX A XXXX REPORT AND A XXXX REPORT AND THEY STILL WANT ME TO PAY A DEBT I DID NOT DO NOR HAVE I EVER HAD A DEBT WITH THIS COMPANY... 

TRANSUNION TOOK THS ACCOUNT OFF ONLY TO PUT IT BACK ON. 

THE OTHER CREDIT COMPNYS TOOK IT OFF BUT TRANSUNION HAS NOT DUE TO THEY MAKE MONY TO REPORT THIS ACCOUNT BUT ITS HENDERING ME FROM BUYING MY XXXX XXXX. AND TO LIVE A LIFE DEBT FREE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, TransUnion and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MI

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MI

Complaint narrative:
This account was charged off on the following date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC XXXX has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of XXXX  by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NJ

Complaint narrative:
I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NJ

Complaint narrative:
I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXXXXXX XXXX HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

XXXX XXXX Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX XXXXXXXX XXXX Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX XXXX XXXX Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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:
XXXX XXXXXXXX XXXX FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXXXXXX XXXX HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

XXXXXXXX XXXX Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX XXXX XXXX  Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX XXXXXXXX XXXX Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I called Synchrony Bank as they turned off my physical paper statements for no known reason. They have billed me amounts that are significantly different than the purchases I have made with Amazon.com and I have no way of tracking these purchases as they could not help me.

They have no online system in place to view statements or transactions at Synchrony Bank. They suggested I link the accounts, which I did. This did not help as all sign-in attempts were unsuccessful and the CS rep could not help. I asked for a manager and she advised there is no manager available. I was not able to view my transaction history to match it with Amazon 's online purchase history and therefore, she suggested I dispute the bill. To which I replied dispute what charge???? I can not see what is accurate and not, I just know they amount the statement amount is much larger than my purchase history for the past XXXX months and I have no way to verify it. 

XXXX was the Rep. that spoke to today and she requested a manager at my request. There was no manager today to go over this.

Unfortunately, without statements I have nothing to attach. It used to be that we could view all of this on Amazon, but since Synchrony took over this is no longer the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
We ordered XXXX XXXX online when were moving into our new home. After finding out that we could keep XXXX internet at the new address, I tried to cancel XXXX internet online, but was unable to because of long wait times. 
We received the comcast ( XXXX  ) installation kit at out new address and sent it back to XXXX unopened and unused. No internet service was started with XXXX ( XXXX  ) Here is a confirmation email from XXXX : Your equipment return details. My Account XXXX  We received your equipment Thanks! Your equipment return is complete. Your account has been updated to show that we received the following equipment : Model # Serial # XXXX XXXX We value your input. Please click here if you'd like to share feedback about your experience. 

I have confirmed with XXXX or XXXX XXXX representatives and confirmed with them that we never started this service with them. 
I was continuously harassed by XXXX with countless phone calls and emails, even after they knew that I did not start the service and they received the equipment back that was never used or opened. 
Now there have been at least XXXX different collection agencies trying to collect a debt I did not incur. 
I believe XXXX actions on this are fraudulent, dishonest, and outright harassment. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to HJR 192 and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.

Company response to consumer: Closed with explanation