vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: Nelnet, Inc.
State: NY

Complaint narrative:
I had XXXX students loans and then they combined to XXXX students loans and then they combined to XXXX loan with out my knowledge. I had a plan to make a payments as I agree with them. Every years I renew it with them. But back in 2019 I never get any communications with them and they claimed they did contacted me. I tried to let them know I never received any notification about my payment status and they violated my rights. They just reported to the credit boroughs and damaged my credit report. They claimed that they did contacted me but I never received any notification from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MA

Complaint narrative:
I recently disputed again with XXXX XXXX XXXX, and they still haven't sent me any documentation bearing my signature on it that I've requested. Under the Act FDCPA, 15 U.S.C. 1692g, XXXX XXXX XXXX failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. Furthermore, XXXX, transunion, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial state. XXXX XXXX XXXX has engaged in unfair and deceptive practices, including misrepresenting the debt and the authority to collect towards me. By 15 usc 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt in which XXXX is violating my rights. Also, it they violate the law under 15 usc 1692j, which states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I have no contract or know anything about this company. I've requested over and over and still received no proof. This is identity theft. They continue to furnish information to my file without me knowing who they are and NO consent to do so. To share my information and furnish incorrect information is a violation my rights without any knowing or consent to do so. Furthermore, reporting false information, harming my character, sharing my information and recovering my information to use, communicating in my file, with no consent or form of agreement to do so is against the law. You can not furnish information knowingly incorrect to my file, my report must be XXXX accurate at all times by 15 usc 1681eb, maximum accuracy.

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 2024-09-30 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: MA

Complaint narrative:
I recently disputed again with XXXX XXXX XXXX, and they still haven't sent me any documentation bearing my signature on it that I've requested. Under the Act FDCPA, 15 U.S.C. 1692g, XXXX XXXX XXXX failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. Furthermore, equifax, XXXX, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial state. XXXX XXXX XXXX has engaged in unfair and deceptive practices, including misrepresenting the debt and the authority to collect towards me. By 15 usc 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt in which XXXX is violating my rights. Also, it they violate the law under 15 usc 1692j, which states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I have no contract or know anything about this company. I've requested over and over and still received no proof. This is identity theft. They continue to furnish information to my file without me knowing who they are and NO consent to do so. To share my information and furnish incorrect information is a violation my rights without any knowing or consent to do so. Furthermore, reporting false information, harming my character, sharing my information and recovering my information to use, communicating in my file, with no consent or form of agreement to do so is against the law. You can not furnish information knowingly incorrect to my file, my report must be XXXX accurate at all times by 15 usc 1681eb, maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Verification Documents To Whom It May Concern, I am writing to provide the necessary documentation to verify my identity for the purpose of addressing matters related copies of the required identification documents as per your guidelines.

The following documents are enclosed for your verification : 1. A copy of my government -issued photo ID [ drivers license, front and back etc. ].

2. A copy of a utility bill that confirms my current address.

A copy of my social security card with my social security number on it. 
Please update your records with the provided information and use it to resolve any pending issues related to my credit report. 
I appreciate your prompt attention to this matter and look forward to your confirmation of receipt. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-30 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: TX

Complaint narrative:
Motion to Withdraw and Status conference on Dismissals Inbox XXXX XXXXXXXX XXXX Attachments XX/XX/2021, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/2021. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXXXXXX XXXX You filed your own motions to dismiss in the lawsuit and the XXXX XXXX  bankruptcy. The Court has set those motions for hearing on XX/XX/2021 at XXXXXXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH XXXX EXPERIAN XXXX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against LexisNexis for their repeated failure to provide me with my Consumer Credit Report. Despite multiple attempts to obtain my report through their designated online portal, I have been unable to receive the requested information. 

Here are the details of my issue : I visited the LexisNexis consumer portal at the following URL : https : //consumer.risk.lexisnexis.com. 
I filled out the online form to request my Consumer Credit Report.

Instead of receiving my report, I received a letter stating " Unable to process request '' with the reason being " unable to authenticate your identity. '' The letter advised me to visit the same URL and submit another request, which I did.

This process has resulted in a continuous loop where I submit a request, receive a letter stating my request can not be processed, and am directed to submit another request.

This cycle has made it impossible for me to obtain my Consumer Credit Report. I believe LexisNexis may be deliberately creating unnecessary friction to avoid providing the requested information. 

I request the CFPB to take the following actions : Require LexisNexis to provide me with a copy of my Consumer Credit Report, including all information they have on file about me.

Investigate whether LexisNexis is intentionally refusing to provide consumer reports by using reasons such as " unable to authenticate identity '' without offering detailed steps to resolve the issue, thereby creating a dead loop for consumers. 

Below is my personal information for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, WA XXXX Consumer Number : XXXX Case Number : XXXX I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: WV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-09-30 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:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: WV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I received an email from Indigo Mastercard from Concora Credit that I had applied for a credit card and I need to unfreeze my XXXX XXXX credit report. 

I did not apply for this credit card. I have tried to figure out how to contact concora credit but they only have a phone number listed for contact. Im a US merchant XXXX currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have limited internet connection and am unable to make a phone call to the credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX XXXXXXXX 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 2024-09-30 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: IN

Complaint narrative:
I have had a XXXX balance with XXXX  for a long time. Moved from Fl. to Indiana and filed a change of address with U.S. Postal Service. Have never been late with XXXX XXXX. Made a small purchase in late XXXX after moving. Expected, but never received a bill from XXXX XXXX. They confirmed that they mailed the bill to the wrong Florida address when I spoke with them in XXXX ( XX/XX/year> I believe ). The representative advised that they would not be reporting the late to the credit bureau since I paid within 45 days and they waived the late fee. 
Then, in XXXX, I get the late notice on the credit bureau. I called back again on XXXXSpoke to a Supervisor, XXXX who hung up on me. I called back again on the same day. Spoke to XXXX. Requested a copy of my XX/XX/XXXX call. They advised they could not give me a copy nor could they provide a transcript of the call. I explained the situation again and the rep. placed me on hold. Spoke to a team that said she would be able to submit the request to have the late payment removed from my credit history. Said allow about a month. I checked and it still has not been removed. Under FCRA this is considered a unfair and deceptive practice. " if a company promises not to report a late payment but does so anyway. Advising one thing and repeatedly doing the opposite of what their representatives tell me.

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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
A Apple Card was opened in my name but I had no clue that I had this card I am not paying the XXXX dollar bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) 5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all linked accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-09-30 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I discovered that my name has been utilized without my permission, which constitutes a violation of consumer rights under applicable laws, including the Fair Credit Reporting Act and other relevant consumer protection statutes. This unauthorized use has resulted in significant distress and potential harm to my personal and financial reputation. 

I request that you provide clarification regarding how my name was used and the nature of the account in question. Additionally, I demand that you cease all use of my name immediately and rectify any records that incorrectly associate me with this account. 

Please respond to this letter within 14 days to confirm the steps you are taking to resolve this matter. If I do not receive a satisfactory response, I may consider further actions, including filing a complaint with the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. 
This is what was told the the company when contacted.

Company response to consumer: Closed with explanation