vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX I received a physical denial letter for a business revolving line of credit, application number XXXX. 

Reason for Denial : ( XXXX ) Insufficient information on your Business Report ( My Business relationship started with XXXX over XXXX years ago, you can not open ANY business accounts without all details of your business & personal info verified ) ( XXXX ) Your credit report indicates that not enough time has elapsed since you opened your most recent credit account. ( I opened a Business auto loan w/ XXXX XXXX the end of XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with {$0.00} balance to date. The business bankers ( spoke with XXXX of them ) confirmed each product is different and does not weigh against each other - underwriting stated the opposite. 

XXXX XXXX XXXX is " Insufficient information on your Business Report '' I had to call and ask the following questions I. What business reports are used ( I had not received any letter or phone calls ) XXXX. How can the information be insufficient when I am currently a business customer with active business & personal information/accounts. 

I opened a case with LexisNexis - Case Number XXXX - As soon as I uttered the XXXXXXXX XXXX XXXX XXXX this statement was stated to me " LexisNexis can not be used in whole or in part as a factor in determining eligibility for credit ''. The individual in underwriting claimed they could not validate my business information hence the " insufficient information '' remark. 

When opening this case I asked LexisNexis to mail me a list of vendors that report to them ( can not provide ) and who they receive their information from. I was informed they receive their information from " multiple '' data sources. My data is accurate with XXXX, XXXX XXXX XXXX XXXX XXXX, where else could this information come from? 

XXXX XXXX is used to compile a businesses credit score for Lexis Nexis. None of my business information or risk indicators are correct on the report I received from Lexis Nexis ; we went through every incorrect error including the date my business was established which is WILD! This information should NOT be in use at ALL, I know I am not the only business owner with this experience. 

This is the longest complaint I have provided, but a resolution for everyone needs to happen with LexisNexis and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
Hey I Received an 1099 Form for the charged off accounts : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX XXXX XXXX Account XXXX : XXXX from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MD

Complaint narrative:
It is showing negative standings from the years XXXX on my XXXX and XXXX credit report but on XXXX XXXX it stands positive and does not reflect anything negative from those years. All of my payments are up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I am writing to demand immediate action regarding the unverified negative items that persist on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate entries continue to tarnish my creditworthiness and violate my consumer rights.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX are reporting fraudulent accounts that I repeatedly told them its fraud. These accounts are XXXX XXXX XXXX and XXXX XXXX. They are reporting late payments on my credit reports. 

XXXX is reporting a fraudulent account as well which is XXXX credit card saying I have late payment. This is fraudulent and I have filed FTC 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 2024-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recently sold my house. The check from the title company was made out to myself and my husband, XXXX XXXX. We went to a chase branch on XXXX XXXX XXXX XXXX NJ and XX/XX/year> to deposit into my savings. We signed the check amounting to {$180000.00} and shared our IDs to confirm identification. On XX/XX/XXXX Chase sent a text and email to call them, when I called they said that my account was on hold and could not be used, and it was due to them not being able to verify my husbands identity. At first they said they tried calling XXXX XXXX his name is XXXX XXXX There are thousands of XXXX XXXX in this state- how do they identify the correct one? I provided his correct phone number, and they said it was not in the ( unnamed ) system them use, and that they could not verify him. When I ask how to get his number in their system, they do not answer and hang up on me. When I go to the branch, they direct me to call the same number. When I call the number, they tell me they can not verify my husband and can not tell me how. This is a large sum of money, I am XXXX XXXX XXXX we shared ID in person, and Chase cashed the check, so I can not get a new one in just my name to deposit without needing my husband. They are stealing my money and going against the terms of my Savings Account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
Transunion, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 

Transunion is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial 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 immediate I contacted the court, and their response is enclosed. I would like for you to have them take this unvalidateable information off of my credit report.

The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.

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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS. please have this company cease all collection activities this my last attempt to complain outside of court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
After examining my credit report, I observed inaccuracies in the listed accounts

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loans from Nelnet for The XXXX XXXX XXXX XXXX XXXX  XXXX, VA are to be fully discharged due to the fact that this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off students loans.

Therefore, and with that being said, Nelnet has yet to fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One XXXX credit card I had told them it was identity theft when that {$470.00} didnt get paid because I no longer have the card it was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

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 2024-05-09 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
All students loans listed on credit report from DEPTED/XXXX  are past XXXX years old and should be removed from credit report. After reviweing my credit report I called and asked them to send me the original contract so that I could review the terms for myself. In addition to it reporting in accuarte information names, dates open, and late payments. Please remove all student laons from this credit report .They are damaging the consumer credit report .Purstant to 15 U.S.C sub section 1679c- disclosures after it is XXXX years old credit bureau MUST remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
Dear [ transunion, XXXX ], I am writing to dispute the presence of [ XXXX XXXX XXXXXXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. However, this account is not accurate as I have never had an account with [ XXXX XXXXXXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, [ 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 2024-05-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my XXXX and TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer 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 explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my XXXX and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXXXX/XX/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 2024-05-09 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: WV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-05-09 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: WV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
I have sent letters and also filed ftc reports to XXXX, equifax, and XXXX. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX XXXXXXXX XXXX- {$530.00} - XX/XX/2024 XXXX XXXX- {$340.00} - XX/XX/20XXXX XXXX XXXX XXXXXXXX - {$500.00} - XX/XX/2024 XXXX XXXX- {$6000.00} - XX/XX/2024 XXXX XXXX XXXX XXXX XXXX {$520.00} - XX/XX/2024

Company response to consumer: Closed with non-monetary relief