vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-30 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-30 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: OH

Complaint narrative:
To start, all of the parent loans i took out so my son could finish his degreemy son has been out of school for 12 years. Originally I was paying to the Dept of Education but since Nelnet took over my loans, I have made no traction in getting these paid down. Its been 12 years of paying and I havent even scratched the surface! I have spoken with Nelnet multiple times, last on XX/XX/year> to get some clarification on what is going on and why these loans feel VERY predatory at this point and they havent offered any solutions. I am XXXX XXXX XXXX and make XXXX XXXX a yearI cant make almost {$600.00} payments every month until the day i die especially when my balance doesnt seem to be going anywhere! 

PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX did not do a thoroughly investigation into the matter. Explained what information was provided to the company to verify accuracy of the account. Company did not provide the requested information in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX [ XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction.

1. **Account Information** : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- **Highest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments ( XXXX ) for several months. I request a detailed breakdown of these payments to verify their accuracy. 

3. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt response.

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 2025-01-30 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX [ XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction.

1. **Account Information** : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- **Highest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments ( X ) for several months. I request a detailed breakdown of these payments to verify their accuracy.

3. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an ING saving account, and Capital One bought out this compay.

I have not been receiving the savings rates as advertised with ING and when Capital One bought out ING, the savngs rates decreased. Capital One has other savings accounts with higher savings rates ; however, I am not made aware of this until this week. I read the article where CFPB is suing Capital One regarding misleading consumers with the savings rates. I am one of the consumers. I am still receiving very low interest rate on my savings account with CapitalOne 360 savngs account. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: PA

Complaint narrative:
25 CFR 11.417- Extortion 18 U.S Code 1348- Securities and Commodities Fraud False Claims Act XXXX XXXX. XXXX Upon purchasing vehicle requested that I give them cash and a shotgun for down payment. Stock XXXX XXXXXXXX VIN : XXXX As you can see from companies comment on credit report there were no late fees. XXXX was unnecessary, even after this occurrence, the vehicle was no longer in my possession and I was charged insurance of over {$300.00} dollars. Insurance company and loan company are all-in-one. 

At this time all I ask is that this account be removed from my credit 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 explanation
Consumer complaint received 2025-01-30 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:
Checking my credit report today, I was alarmed to find an unauthorized inquiry that should not be there. I dont understand how this happened, as I routinely check my report. At first, I thought it was a display error and refreshed my browser, but it made no difference. This situation is beyond frustrating, and I expect immediate action. I need you to thoroughly examine my submitted documents and resolve this issue once and for 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 non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/2021 and SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNTS NAME XXXX XXXX  XXXX - ACCOUNT NUMBER : XXXX ACCOUNTS 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 2025-01-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant XXXX Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


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 2025-01-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant XXXX Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX  that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


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 2025-01-30 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: PA

Complaint narrative:
This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. When I checked my report as I usually do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Because of this, I kindly request that the documents Ive provided be thoroughly reviewed so that I wont have to worry about this issue again.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am requesting that Chex Systems cease reporting this dispute on my consumer report. As outlined in my prior complaints, this is an ongoing dispute. It stems from a fraud attempt against me by scammers. I provided Chex Systems with relevant documents supporting my claims, but my attempts to resolve this issue through proper channels have failed. As a result of Chex Systems ' continued reporting of this, I'm experiencing undue stress and inconvenience, which I think is unfair. If I can't resolve this matter through the normal channels, I will likely have to file a lawsuit.

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 2025-01-30 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: CO

Complaint narrative:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated 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 2025-01-30 00:00:00
Product: Credit card — Store credit card
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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted comenity bank about resolving a record of late payment for the month of XXXX of XXXX on my express credit card. I believe I had autopay set-up, therefore there should not have been any missed payments. I've had the express card for XXXX years without any issues. When I spoke with the representative, they informed me they did not have access to modifying the record, and offered the credit bureaus ' phone number, which would not help me resolve the issue. I requested The phone number to the department that is in charge of dispute and credit records for the company, to which they responded that a phone number for that department does not exist, just a XXXX XXXX XXXX This is not acceptable, as I am dealing with a time sensitive matter that would not be resolved in time if I have to rely on sending letters to their XXXX XXXX XXXX

Company response to consumer: Closed with explanation