vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: NE

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX  account # has violated my rights. 

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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Dear Equifax, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : Date of Birth : SSN : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-15 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: NY

Complaint narrative:
on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

1. XXXX XXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
2. XXXX XXXX  Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
3. XXXX Account XXXX : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting 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 2023-11-15 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: IL

Complaint narrative:
EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through XXXX XXXX loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
XX/XX/2018 XXXX I went to court for the balance i did owe so I dont understand why I have a balance.

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 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have filed a previous complaint, but Nelnet lied and then you closed the case. I applied for the XXXX plan on XXXX and transmitted my taxes electronically. I received no updates and I contacted them at the end of XXXX and they said I had never sent my taxes. I submitted them again on XX/XX/XXXX. I am still not on the XXXX plan as of today XX/XX/XXXX. Since XX/XX/XXXX Nelnet has : - Put me in a 3 month forbearance that I didn't ask for - Put me on the XXXX XXXX XXXX - Requested I pay them twice to get off the current plan and on to the XXXX plan. I made the requested {$5.00} payments on XX/XX/XXXX ( payment screenshot attached ) and then again today XX/XX/XXXX ( letters attached ), as I don't know what else to do. 
- Lied to StudentAid.gov and submitted a letter saying I send a " joint tax return '' but indicated I was separated. Both those statements were false. They sent the letter XXXX. A few hours later they said to disregard the letter it was incorrect ( letter and screenshot attached ) - Told me via phone on XXXX that everything was set with my account and that I should be on the XXXX plan by this week - then sent another letter saying I needed to make another {$5.00} payment to them. ( letter attached ) As of today I am still not on the XXXX plan. I have been on hold with them for over an XXXX hours now and still can't get ahold of anyone. The forbearance they put me on, during which I've been accruing interest, ends XX/XX/XXXX. I don't have time to waste at this point. I can't afford standard repayment and that is what I will be entered into, as they've already put it on both of my loans. I am desperate. I have previously reached out to CFPB and Nelnet told them on XX/XX/XXXX it would just take time, but I don't have time at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

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 2023-11-15 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX acct # : XXXX I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate across the credit bureaus. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : XXXX Credit limit : No information reported. 
XXXX. Amount past due : No information reported. 
XXXX. Date of last activity : No information reported and discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Deferred payment start date : No information being reported. 
XXXX. Balloon Payment date : No information being reported. 
XXXX. Scheduled payment amount : No information being reported. 
XXXX. Charged-off amount : No information being reported. 
XXXX. Date closed : No information being reported. 
XXXX. Date Last Active : Discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Payment History : Discrepancies are noted across the XXXX bureaus, Equifax and XXXX. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. This information is inconsistent, incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. Also, this account seems to still be reporting when it has been closed/charged off years ago. 

Attached are screenshots from Equifax and XXXX showing the incomplete, inconsistent and inaccurate information being reported. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding the removal/deletion of this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 XXXX actions have been taken By the company. Compant which is Transunion Keeps hanging up. i have recorded call of them hangimg up on purpose.

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 2023-11-15 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: MD

Complaint narrative:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 2023-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I applied for loan at XXXX XXXX and their response was in writing to me stating Experien reported me Deceased. Loan denied. I put a dispute in with experien and they told me I had to dispute with XXXXXXXX XXXX. I called XXXX and disputed that info but its been over 3 weeks and no response. This is so bad. I am not dead. My husband and I are very much alive and I need to get this fixed. My biggest concern is why XXXX or XXXX would accept that without a death certificate. Experien is the keeper of my info but they have failed to secure my personal info. I have disputes but no resolutions. I am not deceased. Please help me. XXXX XXXX XXXX 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 2023-11-15 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: LEXISNEXIS
State: TX

Complaint narrative:
I changed car insurance companies and was informed of a claim on my insurance policy which I did not submit. I was informed by the company the claim was dropped ; however, when I transferred my car insurance to another carrier I was informed there was a claim on my car insurance dated XX/XX/23. I contacted Lexus Nexus and XXXX. XXXX stated it was filed in error and was unable to remove the claim from Nexus Lexus. Lexus Nexus placed a dispute with XXXX. 

The information is reported in error. I never gave XXXX permission to report any of my transactions to any third parties. XXXX never gave me the option to opt out of reporting to any third parties including consumer agencies. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to report this account on my credit report? No. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, this agency is in violation of USC 15 USC 1681. 

Lastly, I am a victim of aggravated identity theft.

Company response to consumer: Closed with explanation