vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX opened XX/XX/year>. I do not recognize the aforementioned collection account as reported. The aforementioned collection account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
In XXXX of XXXX I received a notice that kohns law firm was trying to garnish my wages. I Swifty sent them proof that my wages couldn't be garnished because I was receiving government assistance ( food share and Medicaid ). They stopped the garnishment. On XX/XX/XXXX I received an email that they started the garnishment back up again. I contacted them to see why. They didn't fix the issue even though my wages can't be garnished. I receive/received relief funded under public assistance, relief funded under 59.53 ( 21 ), Wis. Stats., medical assistance, supplemental security income, food stamps, or veterans benefits based on need under USC 501 to 562 or 45.351 ( 1 ), Wis . Stats., or have received these benefits within the past 6 months, or are eligible but have not yet received these benefits. I stopped receiving food share on XX/XX/XXXX but according to the law they have to wait six months after I receive benefits to begin collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to dispute information for over a year from the credit bureaus for putting inaccurate information onto my credit, also without my knowledge I was not giving the option to opt in our out nor did the companies send out any letters or emails stating they will be putting such information onto my credit also a proper investigation was not done with the companies when handling my disputes they refuse to delete anything from my credit. Ive tried several disputes even recently and nothing was handle they just put the information as updated not deleted.

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 2025-02-16 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:
Hello, My name is XXXX XXXX, Consumer, who reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion has failed to reinvestigate and ensure maximum procedures of accuracy. Please review the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
Disputed Account Information : Creditor Name : XXXX Account Number : XXXX Account Type : Charge Card Account Status : Charged Off, {$1000.00} Written Off Balance : {$0.00} ( as of XX/XX/XXXX ) On Record Until : XX/XX/XXXX I have attached what the message from there investigation and they provide no paperwork

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 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan serviced has changed many times since the loan was originated, after Nelnet took over the servicing they removed my loans from the XXXX XXXX plan that I applied for and placed me on a standard plan resulting in my payments increasing beyond what I can afford to pay. Nelnet did not inform me of this or contact me to tell me this was happening and thus I was unaware until the accounts became past due this month ( XX/XX/year> ) Nelnet has also incorrectly calculated the months of payment accrued towards forgiveness under the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 15 U.S. Code 1679d : Allows consumers to cancel credit repair contracts without penalty within three business days of signing.

Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts. 15 US Code 1681c-2 a consumer reporting agency shal block the reporting of arr information in the file of a consumer Nut the consumer idensfies as information that resul from an alleged identity theft, not later tun 4 buriness days after the date of receipt it has been 30 dar and you tre in VIOLATION of this law because lam a victm d identty theftil Please delete these tems IMMEDLATELY These accounts should not be furthed on my consumer report as toy are in ViOLAtON Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL SUS to subsection ( e ) any consumer reperting agency may fumal a consumer report under the fotosing arcumstances and no other : ( 7 ) in accordance sh the WRITTENUNSTRUCTION c consurer to whom it relates. I NIVIR gave any consumer reporting agency WIITTIN CON to report amything on y consumer report which violates my rights as a federal prosected consunter. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deleteion of accounts listed IMMED'ATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: National Consumer Telecom & Utilities Exchange, Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, LVNV Funding LLC consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, LVNV Funding LLC actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure LVNV Funding LLC complies with federal law and provides consumers with ti necessary proof of investigation. 

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/2024 ( Original Creditor ) in the State of Alabama XXXX on or, and resold on or about DATE. Under the laws of the State of ( XXXX  ) UCC and State XXXX  and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/2024 ( Original Creditor ) in the State of Alabama XXXX on or, and resold on or about DATE. Under the laws of the State of ( XXXX  ) UCC and State XXXX  and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, 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 2025-02-16 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: LEXISNEXIS
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: CORELOGIC INC
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-16 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-16 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: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX Per XXXX XXXX XXXX Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX Per XXXX XXXX XXXX Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: WI

Complaint narrative:
NelNet had never used proper or reasonable means to notify me my loan payments were resuming in XXXX XXXX. I had not received any calls at all. I found later after they reported they had a decade plus email on file and send lt communication that I was past due. They never reported a missed payment once to the credit bureau instead I only found out about this as my credit score I built up to XXXX was destroyed as they went right to delinquent rather than attempting to notify me of the issue. Once I found out I immediately brought the acct current and set up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Colony Brands, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I was seeking a loan from a bank, but I have not used my credit since XXXX due to a serious identity theft incident. In that year, my social security number was stolen by XXXX XXXX and XXXX XXXX, who opened multiple credit cards in my name, ultimately leading me to declare XXXX. Since then, I have refrained from using credit and have never checked my credit report. However, I recently discovered XXXX charges from " Ginny 's '' on my credit report from XXXX. I have never heard of Ginny 's and did not authorize any credit card from them. I have made numerous disputes with Ginny 's, as well as with XXXX, XXXX, and XXXX, explaining my situation and asserting that I am a victim of identity theft. Despite my efforts, Ginny 's insists that I must have made these purchases, citing the timing of my disputes as evidence. However, I believed my credit had not been used since XXXX, and I only became aware of these charges recently. Additionally, I informed Ginny 's that I do not live in XXXX, where the charges were made, and I provided documentation of my addresses over the past XXXX years. Unfortunately, despite my clear evidence and repeated attempts to resolve this issue, Ginny 's has sent my account to collections. I find it deeply unfair that my credit is suffering due to charges I did not incur, and I am being held responsible for credit cards I never applied for. I have invested countless hours, time, and money trying to rectify this situation, and I am determined to clear my name and restore my credit.

Company response to consumer: Closed with explanation