vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to XXXX in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to XXXX to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. Account : XXXXXXXX XXXXK Account # : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Improper Reporting of Canceled Debt and Failure to Provide Form 1099-C Dear CFPB, I am filing this complaint to address two issues : ( 1 ) the inaccurate reporting of a canceled debt on my credit report, and ( 2 ) the failure of the creditor to provide me with the IRS Form 1099-C as required by federal law.

Facts of the Matter : 1. The creditor has reported the debt as a charge-off ( or settlement/repossession ) on my credit report. Under IRS guidelines, a charge-off or similar action is considered evidence of debt cancellation, triggering the requirement to issue a Form 1099-C for debts of {$600.00} or more.

2. To date, the creditor has failed to provide me with a Form 1099-C, despite IRS regulations requiring that it be issued by XX/XX/XXXX of the year following the debt cancellation or charge-off. 
XXXX. Reporting the debt as a charge-off on my credit report implies that it is still owed or collectible, which contradicts its classification as canceled income for tax purposes. 

Relevant Laws and Regulations : Internal Revenue Code ( IRC ) 6050P : Requires creditors to issue a Form 1099-C for canceled debts of {$600.00} or more and provide a copy to the debtor by XX/XX/XXXX of the following year. 
Fair Credit Reporting Act ( FCRA ) : Requires furnishers of information to ensure that all information reported to consumer credit reporting agencies is accurate and not misleading.

Issues and Impact on Me : 1. The continued reporting of the debt as a charge-off on my credit report is misleading and inaccurate, violating FCRA requirements.

2. The creditors failure to provide me with the required Form 1099-C has created additional confusion, as I am unable to confirm whether th
e debt has been properly canceled for tax purposes.

3. This inaccurate reporting and lack of documentation have caused harm to my creditworthiness and financial planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-04 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: NY

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
I fell behind to my financial obligations while I was in jail, I am currently now employed and was trying to do a loan modification to keep my home, the bank has continually denied this at which point I contacted a Realtor who works with foreclosure situations and she listed it and received an offer, she has been submitting the paperwork to the lender since then, and the bank kept saying that they are not receiving the paperwork, but they are faxing and emailing it to the lender. We are now being told there isn't enough time to do a short sale, we are asking for the sale date to be pushed back so the short sale can go through and be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding Nelnet, the loan servicer for my federal student loan related to my attendance at the XXXX XXXX. I am extremely frustrated with the lack of communication, unclear updates, and absence of a clear timeline regarding the status of my loan discharge and when I will receive my refund check for what I've paid, specifically in relation to the Art Institutes involvement with the U.S. Department of Educations loan discharge program for defrauded borrowers. 

I have made multiple attempts to obtain clear information from Nelnet regarding the status of my loan discharge application, but I have received little to no meaningful communication or updates. There have been significant delays in providing responses, and when I do receive communication, it lacks clear details or a specific timeline on when I can expect a resolution. This has created undue stress and confusion regarding the future of my loan discharge and has left me uncertain about the next steps in the process. 

Despite my repeated inquiries, Nelnet has failed to provide adequate transparency or a reliable timeframe for processing my application, leaving me with little information on the status of my case. This lack of clarity and communication is causing significant concern, especially as the loan discharge program is meant to offer relief to borrowers who were misled by their educational institution. 

I am requesting your assistance in addressing this issue with Nelnet and ensuring that they provide clear and timely updates regarding my loan discharge status and refund check. It is crucial for borrowers to have a transparent process and reasonable expectations, and I would greatly appreciate your help in ensuring that Nelnet fulfills their obligations and adheres to proper communication standards. 

Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Nelnet Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet has never received written express permission from the original creditor known as XXXX XXXX XXXX. Nelnet is committing identity theft as in they have never received written express permission for Nelnet to have my personal or private information relayed to their corporate entity by the federal student loan administration. The federal student loan administration neither asked my permission to divulge my information personal or private and never received written express permission in accordance with USC 15 subsection 1692 g. This is another instance of a corporation stealing the identity of the living man not receiving written express permission in accordance with the law to divulge personal or private information to any processor or debt collection agencies. Nelnet is continuing to harass for payment and has not sent over any of the pertinent information that I am requesting under the fair debt collection act and fair debt collection act practices. Nelnet sent a fraudulent promissory note that I have never signed with Nelnet to the consumer financial protection bureau. if I would do commerce like this and commit these types of fraud I would be in prison. Nelnet will provide original contract full detailed list of payment history, chain of title for the debt, original signature with the creditor, and Insurance claim on the debt. Time and date that the debt was XXXX and if the debt has been XXXX I consider this matter closed I am requesting the 1099 c to cancel the debt and have requested the 1099 for over a year once I seen that the debt had been charged off. Nelnet is committing identity theft as in they have never received written express permission to have any of my personal or private information. Federal student loan has never received written express permission to divulge my personal private information to any third party not affiliated entity Nelnet is a third party not affiliated entity for-profit Corporation. Nelnet has been ceased and desisted numerous times. Nelnet is placing the living man under stress and duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as such, there are unauthorized inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the following inquiries be immediately blocked and deleted from my credit report. 
Unauthorized Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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