vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXX XXXX XXXX  XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXX XXXX XXXX  XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I called Huntington and asked for some type of agreement to remove this inaccuracy from my report, this account is in derragatory status which is affecting my credit score. I asked to make things right far as this company reporting 1 late payment in XXXX of XXXX  but it shows unknown payment status for the months of XXXX, XXXX, and XXXX which doesnt make any sense if it shows 30 days late for the month of XXXX in XXXX  wouldnt it be more than 30 if the status is unknown ( Unverified payment ) for the previous months. This is inaccurate and its affecting my credit score/report. The account is closed I would like this to be removed from my report due to the inaccuracy, also theres no balance The status as of today is paid, as agreed, with a past due amount being {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: DE

Complaint narrative:
XXXX is the servicing company for my federal loans. XXXX is reporting a duplicate account with an open date of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There was a transaction made on my account for {$400.00} that was taken out and I told them it was a fraudulent money taken out of my account my email address was changed not by me by someone else and they still denied my claim this has been about 2 weeks ago thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/year> I receive first communication through email from midland credit management. There are over 8 violations according to the FDCPA. The Original creditor hasn't notified me of anything regarding Midland Credit. I have not been given a 30 day debt validation notice through the mail, I need to see the chain of title because companies are hacked everyday, I didn't get a XXXX for my tax records, where is the account statement from the original creditor stating last payment date and amount, I also don't live in the state Michigan and I have no real evidence this exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : 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 ) Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo continuously charged me overdraft charges of {$45.00} when I had made deposits. If the date of a check was even remotely close to the date I made a deposit, despite there being money in my account, they would charge me an overdraft fee of {$35.00} or {$45.00}, often twice. They would charge me an overdraft fee if my account would borrow from another account of my own that they pressured me to open, but that I did not need. So every time my main account would get down to XXXX  it would automatically transfer money from the other account and then would charge me a fee for doing so. These fees were {$25.00} every time for transferring my own money to my own account. Many times I was charged over draft fees for Online charges I did not authorize.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Nelnet is the servicing company for my federal loans. Nelnet is reporting a duplicate account with an open date of XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
I have a big problem with the way an alleged debt is trying to be collected by email, Date : Wed, XX/XX/scrub>XXXX XXXX XXXX Subject : Please Contact Us to Resolve Your {$7500.00} Debt Resolve your overdue balance of {$7500.00} today by contacting us to discuss your options. 
Creditor : CROWN ASSET MANAGEMENT , LLC Our Account Number : XXXX Creditor Account Number : XXXX Balance : {$7500.00} Resolve your overdue balance of {$7500.00} today by contacting us to discuss your options. 

This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 

Dear XXXX XXXX XXXXXXXX XXXX XXXX  ) is a Collections Agency in Massachusetts that has been authorized by CROWN ASSET MANAGEMENT , LLC to contact you regarding an outstanding debt. 

Our representatives have attempted to reach you to resolve a past due balance of {$7500.00} that has been placed in collections. If you are facing financial hardship for any reason, it is critical that you contact us so that we may document that information and work with you towards a mutually agreeable resolution. Collections efforts will continue until your account is resolved. 

When you contact us, be sure to reference account number # XXXX Please keep in mind that unless you communicate with us, we can not assist you. 

Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account, please call XXXX Online : To make your payment online please visit www.payacs.com or click the button below CLICK HERE TO PAY Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXX  I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXXXXXX XXXX XXXX XXXX  I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2024-11-30 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY.

MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE 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

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