vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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:
I have previously disputed XXXX XXXX XXXX XXXX with said company and in response they verified the item as accurate stating that they have verified the information with the court. 
I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

This company has to respond to this complaint well after 30 days with no proof of re-investigation with the courts and I ask that this information be removed immediately 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 explanation
Consumer complaint received 2023-09-22 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: MD

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

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 2023-09-22 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: NC

Complaint narrative:
Filing a new complaint to follow up on my previous complaint about the 1099-C that Nelnet stated is fraudulent. I am writing to file a new complaint against Nelnet, a student loan servicer. I previously filed a complaint about a 1099-C that Nelnet issued to me. Nelnet has not provided me with any documentation to support their claim that the 1099-C is fraud, and they have also refused to provide me with a copy of my original promissory note. I am now requesting that Nelnet provide me with the following documentation : 1. Documentation on how they reached the decision that the 1099-C is fraud 2. A copy of my original promissory note FCRA Violations : 1. Nelnet reported my student loan account to my credit without my consent. 2. Nelnet never gave me the option to opt out of having my credit report shared with non-affiliates. FDCPA Violations : 1. Nelnet did not provide me with documentation to support their claim that the 1099-C is fraud. TILA Violations : 1. Nelnet failed to provide me with clear and accurate information about my student loan account. 2. Nelnet engaged in unfair and deceptive lending practices. I have attached documentation to this complaint showing that the 1099-C was accepted by the IRS and a copy of the 1099-C. Student loans are a federal debt backed by the full faith and credit of the United States. Nelnet is required to comply with the law and provide me with the documentation that I have requested. 
Nelnet is also not the original lender but only the servicer. Nelnet is also part of the securitization fraud for this commercial paper. According to the purchase agreements, Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX will sell the loans to Nelnet Student Loan Funding III LLC ( the depositor ), which will sell the loans to the issuing trust. In rating this transaction, XXXX XXXX XXXX XXXX XXXX will review the relevant legal matters as outlined in its criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: MO

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.

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 2023-09-22 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: MO

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2023-09-22 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:
The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
These accounts are not mine, and I have never authorized any of the transactions associated with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on 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 2023-09-22 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2023-09-22 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an account saying I have a current balance when I never opened an account. It says I have past balances due and is affecting my credit score.

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 2023-09-22 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:
I have previously disputed XXXX  XXXX Bankruptcy XXXX with said company and in response they verified the item as accurate stating that they have verified the information with the court. 
I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

This company has to respond to this complaint well after 30 days with no proof of re-investigation with the courts and I ask that this information be removed immediately 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 2023-09-22 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.

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 2023-09-22 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: CA

Complaint narrative:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$5800.00}

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