vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: OK

Complaint narrative:
SEE ATTACHED Equifax XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX This correspondence is to inform you, There is information that is on my consumer report that is a result of Identity Theft. I did NOT provide written permission or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block and delete this is not being made in error, nor is my request to block and delete being made on the material of misrepresentation of fact by me relevant to the request to block and delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX 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 XXXXXX/XX/XXXX You are required to do what I am asking and advising, and block these transactions from being reported to my consumer report within 4 days ( 96 hrs ) from the date and time of receipt of this notice. I look forward to your prompt correction of my consumer report and your response. 

Sincerely, : XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-04 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: MI

Complaint narrative:
Due to the pandemic, student loan borrowers were given the option to have student loan payments refunded. I requested a refund of payments made during the XXXX pandemic from my servicer Nelnet on XX/XX/XXXX ( email confirmation attached below ). I received a response email stating if I hadn't been updated in XXXX weeks, reply to the email, which I did ( response attached ). I did not receive any further updates nor have I received the refund of those payments that I requested. 

I reached out again to Nelnet in late XXXX and again in early XXXX to check on the status, each time they said they were " looking into my account '' and " they could see the request '' but again, no refund of these payments. In XXXX, I enrolled in a payment plan to become eligible for student loan forgiveness ( PSLF ). My loans were transferred over to XXXX. I received a call in approx XXXX of XXXX from Nelnet, that because they were no longer my servicer, the request would need to be completed by XXXX. I sent the request to XXXX, who responded saying since the payments were made under Nelnet, the refund would have to be processed by them. 

I have since may several attempts to email both Nelnet, and XXXX. It appears both are now ignoring my requests, and neither company is willing to investigate who should be processing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX IS REPORTING XXXX XXXX  ON MY CREDIT REPORTS. IT HAS BEEN OVER THE XXXX YEAR STATUE OF LIMITATION MARK AND THIS SHOULD NOT BE REPORTING ANY LONGER. 
I HAVE ALSO HAD XXXX XXXX XXXX XXXX OVER XXXX YEARS AND WON IN COURT AGAINST XXXX XXXX SO FOR THIS REASON ALSO THIS ACCOUNT SHOULD ALSO NOT BE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORTS. IT HAS BEEN OVER THE XXXX YEAR STATUE OF LIMITATION MARK AND THIS SHOULD NOT BE REPORTING ANY LONGER. 
I HAVE ALSO HAD XXXX XXXX XXXX XXXX OVER XXXX YEARS AND WON IN COURT AGAINST XXXX XXXX SO FOR THIS REASON ALSO THIS ACCOUNT SHOULD ALSO NOT BE ON MY CREDIT REPORTS

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 2024-07-04 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:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: Possible Financial Inc
State: CA

Complaint narrative:
POSSIBLE FINANCE INC IS REPORTING A COLLECTION ON MY CREDIT REPORTS. 
IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I show a debt on my credit in the amount of {$6900.00} being represented by a debt collectors by the name of FAIR COLLECTIONS AND OUT regarding a property by the name of XXXXXXXX XXXX XXXX 
I have never signed a lease or contract for this property and this is fraud to report this on my credit without valid proof being provided. I want this property removed off my credit along with all negative reporting that has ever been reported at once please.

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 2024-07-04 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: CA

Complaint narrative:
XXXX XXXX Account Number XXXX This account was disputed on XX/XX/XXXX Confirmation number XXXX This account was disputed for XXXX XXXX being different on all XXXX bureaus. XX/XX/XXXX for equifax XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX This account was disputed again on XX/XX/XXXX for date of last payment being different on all XXXX  bureaus. XXXX reporting XX/XX/XXXX XXXX reporting XX/XX/XXXX and equifax reporting XX/XX/XXXX. 

This account was disputed again on XX/XX/XXXX for payment history being reported after the account has been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover # XXXX this account has been charged off which means the creditors nolonger feel they can collect this debt, therefore it's has been written off on there taxes, and they absolutely refuse to send me a 1099-c form because this is now become taxable income which it's UNLAWFUL TO REPORT ON MY CREDIT REPORT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A COLLECTION FOR {$680.00} THAT I HAVE NO KNOWLEDGE OF ON MY XXXX CREDIT REPORT. 




IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma, LLC
State: MD

Complaint narrative:
NEARLY ALL OF THE INFORMATION THAT ARE BEING REPORTED ON CREDIT KARMA ARE OLD/INCORRECT/FALSE/RECTIFIED. SPECIFICALLY, THE CAPITAL XXXX ACCOUNT AND THE XXXX XXXX XXXX ACCOUNT. THOSE WERE DELETED. THEY ARE OLD/FRAUDULENT ACCOUNTS. MERCHANTS XXXX XXXX NEEDS TO BE REMOVE/DELETED FROM MY CREDIT PROFILE. THE COLLECTIONS NEED TO COME OFF ALSO. ALL THOSE INQUIRIES NEED TO COME OFF. THAT GOES FOR BOTH SOFT AND HARD ONES. I'VE WRITTEN TO THEM SEVERAL TIMES VIA EMAIL. I JUST KEEP GETTING EMAILS THAT MAKE ABSOLUTELY NO SENSE. I NEED HELP GETTING THOSE NEGATIVE REMARKS OFF. PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-04 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: MI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-04 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: MI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-04 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: MI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challengeXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-04 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a shared account with Wells Fargo a few weeks ago and I have now been informed that the account is being closed without any reason. I have requested to know the reason why I am no longer allowed to bank with Wells Fargo and they have refused to give me a reason. I feel like I am being discriminated against. I do not feel that Wells Fargo would have closed an account without reason on just anyone. I am a single mother of XXXX children earning a XXXX XXXX XXXXXXXX XXXX salary and it is difficult for me to hire a lawyer to fight this discrimination. I want to be able to have an account with my partner who currently banks at Wells Fargo. I want to be able to know this " reason '' so that I can rectify it. There is no reason that I should be barred from banking with Wells Fargo and if there is a reason, then I should be told what the reason is. I would like the reason why I am no longer allowed to bank with Wells Fargo or I can only assume that it is a discrimination against low income single mothers.

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