vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: DE

Complaint narrative:
Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX Enter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Credit account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXXXXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: VA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-13 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: VA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 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: Nelnet, Inc.
State: NV

Complaint narrative:
Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Department of Education XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear Department of Education Loan Servicing Center , I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : DEPT OF ED/NELNET XXXX XXXX balance {$850.00} Account Number : DEPT OF ED/NELNET XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 DEPT OF ED/NELNET XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted Nelnet, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the Department of Education Loan Servicing Center to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed 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 explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: SC

Complaint narrative:
Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
The account was opened XX/XX/2020, the account was closed XX/XX/2020 the balance is {$560.00} for misuse of an account for disputed charges but I never had no knowledge of this account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my account in late XX/XX/2023 for unknown reasons and failed to mail a check for the balance of {$990.00} nor my XXXX social security payment of {$850.00} that was deposited into the supposedly closed account per the Treasury department. I'm still receiving emails for my account statements, which makes no sense as Citi indicated that the account would be closed within 60 days and a check would be mailed. It still has not been mailed as of 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 non-monetary relief
Consumer complaint received 2023-12-14 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-14 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The inaccuracies for XXXX : XXXX is missing the closed date, Experian is missing the closed date and the remain on the record until date is listed XXXX/XXXX. XXXX on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX list 's paid as agreed and closed date XX/XX/XXXX. Experian does not have a closed date and does not say paid as agreed, but only paid and closed. XXXX 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX has no closed date, date updated or remain on the record info. Experian has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. XXXX date closed is XX/XX/XXXX and on the record until date is 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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items removed and deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
lvnv funding llc XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXXXXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.

Company response to consumer: Closed with explanation