vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility 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 ( 1 ) 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX  XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone XXXX XXXX past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called XXXX XXXX XXXX  the next day and talked to XXXX people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On Monday XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone XXXX XXXX past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called XXXX XXXX XXXX the next day and talked to XXXX people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On Monday XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone XXXX XXXX past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called XXXX XXXX XXXX the next day and talked to XXXX people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.

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 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was informed by Wells Fargo that they signed me up for accidental insurance without my knowledge, This is not the XXXX time this has happened this is actually the XXXX time I have been targeted. I feel like I have been targeted since I am disable. I live on a fixed income. the time range for the plan was from XX/XX/XXXX to XX/XX/XXXX. 
they sent me a check for XXXX for this but when I asked how much money was taken out of my account they couldn't answer me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN 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 2025-02-19 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In my dispute, I requested that Factual Data thoroughly investigate the incorrect mortgage-related information reported on my credit file. I requested that they provide evidence or documentation showing that I had applied for or was associated with a mortgage. Since I have never applied for a mortgage and do not own a home, I requested that this inaccurate information be removed from my credit report. If no legitimate documentation or evidence can be provided, I requested the immediate removal of the entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I submitted a complaint for the removal of XXXX  reporting on my credit report. You said that during you investigation, you located and verified the following records belong to me. Please supply the documents as proof that they are mine because I'm telling you. these XXXX  is not mine and is result of XXXX!! This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
I was not made aware of the halt to my repayments due to " covid 19 '', when I found out that my loans were not being debited out of my account the servicer company " fed loan serv. '' Had been dissolved, and there was no information for me to find. Then when payments were magically put back into our lives i was given to a new company, with no ability to agree or disagree with any of the charges. I magically owe more than I did when payments were stopped, not to mention the debts would of been paid off during the supposed " pandemic ''. I have not been allowed to speak to anyone on this matter nor has the secretary of edgucation or department of edgucation properly replied to my letters or messages. " President Biden '' was given the power to allow a deferment not the power to require it. In doing such I have been denied the right to own property and my federal loans were altered without my knowledge or approval. This has not only broken the civil rights of every borrower in the country but also put every last one of us in a bind. I stand firm in my right to ask for a hearing or meeting in witch I can protest the unlawful and down right hateful actions of the prior administration and the actions that followed. I did not need help or forgiveness I did nothing wrong. I needed to pay my debts so that I could better my life. The agencies involved decided that my money was not good enough to pay my debts they denied my legal us currency and should be held accountable to the standards we the people are required to live by. Oh and by the way I'm a XXXX vet... I shouldn't even owe anything in the first place! Please give me a hearing date with nelnet and a federal judge to present my case so that I can resolve this issue in the legal way not by what I'm being forced to comply with without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-19 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has been notified previously that third party entity 's have been using my information for promotional use without my permission I have noticed that XXXX Bank and XXXX XXXX has filed inquiries that have no valid application supporting their use of my report I have tried to contact their legal offices XXXX  XXXX and representatives XXXX ( XXXX ) XXXX Commentiy but there's a automated system and they just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Call the company to accept the offer that they were offering to close out the account I asked for a written deletion. The lady told me she cant do that. I have to pay the full amount. I told him thats a lie because it was offered before and she put me on hold and then told me that she was not accepting payment and that it will remain on my account. This call was rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/2024 I froze my credit with all three credit bureaus. I recently decided to purchase a house and needed to unfreeze my credit to secure a loan. I had no problem with XXXX or XXXX unfreezing my credit. However, I can not get Transunion to unfreeze my credit. Within the last month I have tried multiple times online and over the phone to unfreeze my credit with Transunion. Each time I am told they can not authenticate my identity even though I have given them all my personal information. My banker has given me multiple phone numbers to try to reach a U.S. representative with Transunion but each number I call is a call center in a foreign country. I have asked to speak with a supervisor with no success. I have asked to be transferred to a U.S. representative with no success. I do not know how to get this resolved so that I can get my loan approved. My credit is excellent. I don't owe any money and always pay off my credit card each month. I can not even put in an offer on a house until I get an approval letter from the bank for a loan which I can not do until Transunion will unfreeze my credit. Please help me get this resolved.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This situation is beyond frustrating. Waking up to find a debt I know nothing aboutcompletely unverified and not minehas been an absolute nightmare. On top of that, I have been bombarded with calls, emails, and messages from different sources, using various tactics to pressure me over something I have no connection to. I never imagined I would be dealing with legal threats over breakfast. As a law-abiding citizen, having my rights as a consumer so blatantly disregarded is both insulting and distressing. The mental and emotional toll this has taken on me is unbearableI have been losing sleep over this for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: AZ

Complaint narrative:
this is identity theft, data breach, incorrect information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Requested on XX/XX/year>2025. Attempted to log in to Equifax, it only loops you around from login, forgot login user name ; sends you your user name via email, copy & paste into User Name, put in password, says password is incorrect, Reset Password. Click reset password, says put in your user name ( which is my email address ) then says wrong email that I literally copy & pasted from the email they sent me. I request password reset again, and it says wrong email address, send email for your user name ( which is still my email address ). Called tech support - there is no tech support. Requested human. Hangs up on you. Call back, loops you through at least 5 voice menus and puts you on hold, never able to talk to any customer service agent. Requested a verifcation code by mail. 
On XX/XX/scrub>/2025 I received my verification code, put in my email address and Equifax states that they cant verify my verification code THAT THEY SENT TO ME AND TOLD ME TO CALL THE CUSTOMER SERVICE LINE THAT NO ONE ANSWERS!!!! 
This can not be legal that a company such as a credit bureau can manage so much of anyones personal data & hold so much sway over XXXX XX/XX/XXXX Peoples lives in the United States and they can function without an actual manned customer service line with actual people to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXX XX/XX/XXXXInquiry XX/XX/XXXX XX/XX/XXXXInquiry XX/XX/XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XX/XX/XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX A XXXX - IncorrectPersonal XXXXXX/XX/XXXX IncorrectPersonal XXXXXX/XX/XXXX- IncorrectPersonal

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 2025-02-19 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: TX

Complaint narrative:
I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief