vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-11-10 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: FL

Complaint narrative:
I have asked to experian to correct their reporting and report an account as closed as it is reporting closed and with no activity since XX/XX/year> and they insist that based on their investigation the account which shows not activity since is not reporting as closed based on the information that they received. I asked to send me the information and the method that they received proving the results that they are reporting and they refuse to do so. They state that the law does not require them to do so and when I insisted they just kept repeating the same thing " the result that you received are the result we have, is there anything else i can do for you? '' when i specifically asked if they were officially refusing to provide me with the information that I had requested, they advised me repeated : " the result that you received are the result we have, is there anything else i can do for you? '' its as if they were avoiding answering my question and they get repeating the same thing over and over until i said goodbye.

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 2024-11-10 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: GA

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 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 2024-11-10 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: GA

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Recieved chase Sapphire credit card with employer name instead of Personal name XXXX XXXX instead of XXXX XXXX, called Chase sapphire number XXXX to report it was asked to send copy of DL and ss card which i did on XXXX, i was told name will changed within 24 hrs and new credit card with right name will be sent overnight. This has not happened yet called chase today and was told it will take 10-14 days! even though rep XXXX told me they have received the name change documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Re : Account Number : XXXX Subject : Debt Validation Request Pursuant to

15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt associated with the account number referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate the debt and provide the following information to confirm its accuracy : 1. The name and address of the original creditor. I request clear identification of the original creditor and the full legal name under which the debt originated. 2. A full itemized statement of the debt, including the total amount and how it was calculated. This should include any interest, fees, or other charges that have been added since the original balance, along with a breakdown of these amounts. 3. A full detailed list of the payment history on this account. Provide all payments made, including the dates of payments and how each payment was applied ( i.e., principal, interest, fees, etc. ). 4. A copy of the original signature that I agreed to on the contract for this creditor. I request a copy of the signed agreement or contract that establishes the original debt. 5. Proof that you have the legal right to collect this debt ( Chain of Title ). Please provide the complete chain of title for this debt, including any and all transfers of ownership or assignment to your agency, demonstrating that you have the right to collect this debt. 6. Has any insurance claim been filed related to this debt? Please inform me if there has been an insurance claim filed on this debt, and if so, provide details regarding any payments or settlements received by the original creditor or other entities related to this claim. 7. Verification that the statute of limitations for this debt has not expired. I request confirmation of the date this debt was incurred and assurance that the statute of limitations has not expired. In accordance with the FDCPA, you must cease all collection efforts until this debt is fully validated. If you are unable to validate the debt, I request that you correct your records accordingly and cease any further communication regarding this account. This letter is not a refusal to pay, but a request for proper validation of the debt. I will need at least 30 days from receipt of your response to review and investigate the information provided. Please send your response to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My Date of Birth is XXXX Resource SSN ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for Report Information is : XXXX XXXXI have no other requisite of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY decrees versus me of which there is not required inclusion or is information not exactly and completely as I have above appointed to is my non-disputed, factually confirmable correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX RE : I make this address so THAT YOU TIMELY and ETHICALLY do your fair constancy in your processing of this written observation petition to eradicate now any and all Credit Reporting Deficiencies and Deviations from the mandatorily abided by reporting standards, for which XXXX signals can not exist without injuring trust in edicts with unreliable integrity thereby making impossible meeting the federalrulings report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably principled to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtablesufficiency of your adherence of reporting in total proficiency with and or of law ( s ).

To whom it might concern I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, suitable and more than adhering of Federal and state reporting laws and or fairness in your docile adhering to the mandatorily followed credit reporting industrys codes namely the XXXX own XXXX detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofsuitable memorandums that may else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are absolute even if unexceptional to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
From the Fall of XXXX through XXXX I have not been able to review my Experian Credit Report online. The company also has the wrong/ old phone number attached to my account and they will not update it. Ive called Experian every month, not able to get a live agent on the phone. This issue is effecting my personal life, and i want Experian To update my account within 3-5 days or ill take legal action. 

Old phone number : XXXX New Number : 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 2024-11-10 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: GA

Complaint narrative:
15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/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 2024-11-10 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: GA

Complaint narrative:
15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/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 2024-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
TJX Rewards ' credit card, issued by Synchrony bank, began charging me {$1.00} per month for the privelege of receiveing a paper statement so that I know how much and when to pay my bill. This is unfair. My husband needs these statement to pay the bill since I am retired. I tried to ask that I not be charged for paper statement fees, but the company refused. I did get a credit for the last 3 statement fees that I was charged when I complained, but was told there is nothing they can do about my situation unless I wanted to cancel my credit with them. I know it's there company and credit card ; they encourage me to use it. I pay at least the minimum amount due each month. They charge 34 % interest for outstanding balances ( YES! I said 34 % even though interest rates have started to come down ). 

I feel charging a statement fee on top of such high interest rates is unconscionable.

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 2024-11-10 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: SC

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 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 2024-11-10 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: OH

Complaint narrative:
My Date of Birth is XXXX XXXX  SSN ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for Report Information is : XXXX *I have no other requisite of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY decrees versus me of which there is not required inclusion or is information not exactly and completely as I have above appointed to is my non-disputed, factually confirmable correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX RE : I make this address so THAT YOU TIMELY and ETHICALLY do your fair constancy in your processing of this written observation petition to eradicate now any and all Credit Reporting Deficiencies and Deviations from the mandatorily abided by reporting standards, for which XXXX signals can not exist without injuring trust in edicts with unreliable integrity thereby making impossible meeting the federalrulings report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably principled to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtablesufficiency of your adherence of reporting in total proficiency with and or of law ( s ). 
To whom it might concern I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, suitable and more than adhering of Federal and state reporting laws and or fairness in your docile adhering to the mandatorily followed credit reporting industrys codes namely the XXXX own XXXX detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions ofsuitable memorandums that may else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are absolute even if unexceptional to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

XXXX Department of Education XXXX XXXX  inquiry XXXX inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-11-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with explanation