vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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:
XXXX XXXXXXXX Opened XX/XX/XXXX {$900.00} XXXX XXXX XXXX. 
Opened XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$800.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} Unauthorized Inquiries XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) These address 's do not belong as well : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Please remove them My information XXXX have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law XXXX That, in itself, 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 non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : 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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
Diversified XXXX XXXX  collections is not my account and this is fraudulent and I believe ever source is part of this problems and they never even told me what it was until I investigated myself and this is identity thiefs and what a XXXX XXXX XXXX XXXXXXXX for me to fix I did starte a police case working with XXXX XXXX  in XXXX XXXX XXXX Im hoping this XXXX is hard to believe these collections get away with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-13 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: WA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX  XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1681c. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX  XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1681c. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX I filed a " Borrowers Defense to Re-Payment '' via the Department of Education, claiming I was Defrauded by XXXX XXXX XXXX, Case # XXXX In XXXX My Grandmother died and left me XXXX XXXX In XXXX XXXX the Federal Gov rejected my application In XX/XX/XXXX I repaid the loan balance using my inheritence money In XXXX the Government automatically place my Original Application in Appeal due to the court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXXXX/XX/XXXX I was informed that the Appeal was granted and that my application was approved, which was great! 
In XXXX XXXX XXXX my Loan Servicer, Nelnet, told me that I couldn't recoup the XXXX XXXX that I paid them in XX/XX/XXXX. They said because I had already paid them they didn't have to return it. 
In XXXX XXXX XXXX I talked to the Department of Education and they said there is NOTHING they can do ( So I have already spoken to both Nelnet and the Dept of Education ). 
I feel I should be entitled to that XXXX XXXX. If I had never paid Nelnet anything I would still have the money and my laod balance would have been discharged because I won the Appeal. 
Plus, The orignal Application was wrongfully rejected ( I won the appeal! ) If it had never been wrongfully rejected I would never have paid the balance.

The Ferderal Government sided with me that I was defrauded.

The Loan Servicer, Nelnet, was collection on behalf of " XXXX XXXX XXXX  '' So the players here are : Me, XXXX XXXX Loan Servicer " Nelnet '' ... now called " Sloan Servicing 'XXXX XXXX " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( See attached for full complaint : ) Dear CFPB, I am writing to formally express my concern regarding Equifaxs persistent use of stall tactics in response to disputes and requests for resolution. Despite the obligations set forth under the Fair Credit Reporting Act ( FCRA ), Equifax has repeatedly delayed the process by failing to provide timely responses, inadequate communication, and prolonging investigations beyond reasonable timeframes. 

These delays are particularly troubling given the severe impact that unresolved credit disputes can have on consumers financial health, including higher interest rates, loan denials, and diminished access to essential financial products. Equifaxs stall tactics not only hinder the dispute resolution process but also erode trust in the credit reporting system as a whole. 

I respectfully urge the CFPB to thoroughly investigate Equifaxs practices in this regard and take appropriate enforcement action to ensure that Equifax complies with its legal obligations to provide timely, accurate, and transparent responses to consumer disputes. Consumers deserve swift and fair resolutions to any discrepancies in their credit reports, and these tactics should not be allowed to continue. 

I Have recently submitted a complaint reference # XXXX and Equifax responded with a stall tactic. I have included two copies of identification to prevent this again. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-13 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: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth XXXX XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-13 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: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth XXXX XXXXXX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For over a year Experian has refused to update and correct my credit file The information that they have on their site has not been updated since XXXX of 2023 They also refuse to allow other companies to get my credit file Everytime I apply for something the company states that they can't get my credit

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eastern Revenue, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with XXXX XXXX. 
Later that week, I called XXXX, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to Eastern Revenue for collections. I called XXXX again that week, and they confirmed that the loan must go through Eastern Revenue, and I needed to work with them to resolve it.

When I contacted Eastern Revenue, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, XXXX, or Eastern Revenuehave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXXXXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with Heartland ECSI. 
Later that week, I called ECSI, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to XXXX XXXX for collections. I called ECSI again that week, and they confirmed that the loan must go through XXXX XXXX, and I needed to work with them to resolve it. 
When I contacted XXXX XXXX, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, ECSI, or XXXXXXXX XXXXhave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 5 inquiries on my report that I have no knowledge of XXXX XXXX XXXXXXXX I never had a account with the debitor thats claiming I lived in that apartment

Company response to consumer: Closed with explanation