vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$120.00}

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 2023-12-13 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: TN

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX I provided the original contract showing that the information on my credit report was incorrect and did not match the original contract. 

Experian keeps denying the original contract which is against the law of FCRA. To willfully allow incorrect information on a consumer report is a direct violation. 

I have provided proof by another Credit Bureau, XXXX that got the same dispute as Experian and XXXX deleted the account because it did not match THE ORIGINAL CONTRACT, I signed with 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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-13 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 have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, XXXX NOR TRANSUNION to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains TransUnion Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process XXXX Dispute status All disputes ( 4 ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, EQUIFAX NOR XXXX to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Public Record REF XXXX XXXX XXXX. 

Remains XXXX Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process Equifax Dispute status All disputes ( XXXX ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan account reflects inaccurately reported late payments. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which mandates accurate and fair reporting of consumer credit information. Additionally, this inaccurate reporting negatively impacts my creditworthiness.

Relevant FCRA Provisions : I wish to bring to your attention the FCRA provisions that support my complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section requires furnishers of information to credit reporting agencies to provide accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$28.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: GA

Complaint narrative:
I am writing to express my continued frustration and disappointment with the unsuccessful attempts to remove fraudulent items from my credit file. This marks the second attempt to rectify the inaccuracies, and despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation to substantiate the inaccuracies in my credit report. However, it is disheartening to note that these efforts have not yielded the desired results, and the fraudulent items remain unresolved. 

The persistence of these inaccuracies continues to affect my creditworthiness, making it challenging to secure credit, obtain favorable interest rates, and manage my overall financial well-being. 

I request an immediate and thorough reinvestigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and correct the fraudulent items. 

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/2022.

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 2023-12-13 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: GA

Complaint narrative:
I am writing to express my continued frustration and disappointment with the unsuccessful attempts to remove fraudulent items from my credit file. This marks the second attempt to rectify the inaccuracies, and despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation to substantiate the inaccuracies in my credit report. However, it is disheartening to note that these efforts have not yielded the desired results, and the fraudulent items remain unresolved. 

The persistence of these inaccuracies continues to affect my creditworthiness, making it challenging to secure credit, obtain favorable interest rates, and manage my overall financial well-being. 

I request an immediate and thorough reinvestigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and correct the fraudulent items. 

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: SC

Complaint narrative:
They have wrong social security # and a name XXXX I never used.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was notified of a hard inquiry on my credit from Capital One on XX/XX/2023. I did not apply for anything with them. I immediately called them and informed them of this fraudulent account. They confirmed that an account exists with my name and social security number. They claimed that the date of birth on file was different, so they could not close the account. I was able to find the phone number associated with the account, and it took XXXX minutes of investigation to figure out that it is the phone number of a deceased woman that is no longer in service. It is very concerning that an account like this would pass XXXX in the first place. It is even more concerning that after being notified of this fraudulent account, they won't close it or at the very least flag the account. After, I called the Credit Bureau to report the identity theft, and they told me it was on the bank to cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of the XXXX data breach. I want these items deleted 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
Lexis Nexis is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and lexis Nexis continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but lexis Nexis continues to report the wrong information i only have XXXX name and XXXX address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for lexis Nexis to share my information with any third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
I need to submit a request, and it's not allowing me to upload anything to submit the dispute. 

It's due to XXXX XXXX  and should be resolved in 4 days ; however, it will only allow me to mail something in.

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 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed by people impersonating ICE and police and I ended up sending XXXX cashier 's check of {$140000.00} to the scammer. I filed a claim with my bank, XXXX XXXX XXXX before the cashier 's checks were deposited on XX/XX/2023. Later that day, the checks were deposited. XXXX checks total of {$100000.00} was deposited to Chase. Of those XXXX checks, {$53000.00} was deposited to XXXX XXXX XXXX XXXX, {$49000.00} was deposited to XXXX XXXX XXXX XXXX. On XX/XX/2023 morning, I went to the Chase branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX to inform them about the scam. They informed me the funds were frozen. On XX/XX/2023 XXXX, I received Chase check hold department XXXX 's call about the {$53000.00} made to XXXX XXXX XXXX XXXX XXXX I let them know it was a fraud and they told me they would hold the funds and not release it. On XX/XX/2023 XXXX PM XXXX, I received Chase check hold department XXXX 's call about the {$49000.00} made to XXXX XXXX XXXX XXXX, I told them it was a scam and they told me they would hold the funds and not release it. Up till then, both {$53000.00} and {$49000.00} transactions were frozen and was not released to the scammer. 

I followed up with Chase 's complaint escalation and was told the funds are hold and XXXX  XXXX XXXX would have to request to return the funds. But only {$51000.00} was returned to me, the {$49000.00} wasn't returned. Since Chase are still holding the {$49000.00} from the XXXX XXXX XXXX XXXX account, I'm asking Chase to return the funds back to XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to address a critical matter concerning my credit report. After reviewing my credit report, I noticed that there are accounts listed on my report that have already been removed by XXXX and XXXX due to identified errors. This raises serious concerns about the accuracy and reliability of your reporting procedures, considering that the other bureaus have already rectified this discrepancy. I have attached copies of the correspondence from XXXX and XXXX confirming the removal of these accounts. I expect a thorough investigation into this matter, and I insist that you comply with the Fair Credit Reporting Act ( FCRA ) by promptly correcting these inaccuracies. Your immediate attention to this dispute is essential, and I anticipate receiving a written response within the legally stipulated time frame. The disputed accounts are as follows : XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00} and XXXX XXXX  XXXX Date opened : XX/XX/2016 Balance : {$2000.00}.

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