vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> I submitted a complaint regarding an account listed on my consumer report XXXX XXXX XXXX The company responded on XX/XX/year> here is the complaint number XXXX. The reason this is important to mention is because I still see XXXX XXXX XXXX listed on my report after they stated they would delete it. Furthermore I have already stated that I was a victim of fraud and I submitted the FTC Complaint with XXXX XXXX XXXX listed and yet they continue to violate my right to privacy and furnish these fraudulent accounts. 15 USC 1692G requires debt collectors to provide evidence as to how they acquired the debt and are they even licensed to collect in my state. This company continues to furnish bad, inaccurate, and fraudulent information on my consumer report in an attempt to affect my overall credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year> I submitted a complaint regarding an account listed on my consumer report XXXX XXXX XXXX The company responded on XX/XX/year> here is the complaint number XXXX. The reason this is important to mention is because I still see XXXX XXXX XXXX listed on my report after they stated they would delete it. Furthermore I have already stated that I was a victim of fraud and I submitted the FTC Complaint with XXXX XXXX XXXX listed and yet they continue to violate my right to privacy and furnish these fraudulent accounts. 15 USC 1692G requires debt collectors to provide evidence as to how they acquired the debt and are they even licensed to collect in my state. This company continues to furnish bad, inaccurate, and fraudulent information on my consumer report in an attempt to affect my overall credit worthiness.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account.

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt.

Actions Requested : 1. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX  for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX  Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account. 

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt. 

Actions Requested : XXXX. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account. 

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting XXXX be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt. 

Actions Requested : XXXX. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off.

I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required.

Thank you for your time and assistance in resolving this matter.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Subject : Formal Dispute and Request for Investigation of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and request an investigation into the inaccurate reporting of my XXXX XXXX account ( Account Number : XXXX ) and its subsequent transfer to Nelnet ( Account Number : XXXX ). Specifically, the payment history reflects errors that significantly misrepresent my financial record. 

According to the reports, my XXXX XXXX account indicates that I was 90 days late in XX/XX/year> and XX/XX/year>. However, the account never accurately reflects a progression of delinquency from 30 days late to 60 days late and then to 90 days late, as required by standard reporting practices. Furthermore, the account was closed due to a transfer to Nelnet, yet the misrepresentation persists. 

This reporting error violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates that credit reporting agencies and furnishers of credit information must ensure the maximum possible accuracy of the information they report. This inaccurate reporting has caused undue harm to my credit profile, and I am demanding immediate rectification of this error.

Additionally, I am aware of prior lawsuits and complaints against Nelnet concerning the misrepresentation of consumers ' accounts and erroneous credit reporting practices. For instance : Case Example : Lawsuits allege Nelnet 's failure to maintain accurate account records and properly update credit reporting agencies, which mirrors the issues I am currently experiencing. 
Violation Allegation : Misrepresentation of payment history and account status, as in my case, has led to widespread consumer harm, further supporting the need for immediate corrective action. 
I respectfully request the following actions : Immediate Correction : Amend the payment history for the referenced accounts to reflect accurate information.

Verification of Accuracy : Conduct a thorough investigation into the reporting discrepancies and provide a detailed explanation of your findings.

Notification to Credit Bureaus : Inform all credit reporting agencies of the corrections to ensure my credit profile accurately reflects my account status.

Please consider this communication a formal complaint under the FCRA. If the requested corrections are not made promptly, I reserve the right to escalate this matter further, including but not limited to seeking legal remedies. 

I trust that you will give this matter the urgent attention it deserves. I expect a written response detailing the steps taken to resolve this issue within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, you advised me that all negative accounts I was disputing had been updated and verified and you were not removing these accounts from my credit profile. However, this was done without proper verification as required by law. You have failed to address this matter promptly and accurately as required by law and will leave me with no choice but to pursue legal action and file a complaint with other relevant authorities. I have documented dates of my certified letters sent via mail, all my CFPB complaints and Equifax letters sent via mail from your company refusing to delete accounts and I also have names of Equifax representatives I spoke with on several dates saying accounts were to be deleted in four business days according to 15 USC 1681c-2 ( a ). The same accounts being disputed have been removed from XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. I submitted a CFPB Complaint on XX/XX/year> Complaint ID XXXX ( open ), and another complaint on XX/XX/year> Complaint ID XXXX ( open ). This shows Equifax refusal to investigate and respond with factual information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. I do not have an XXXX account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/year> I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. This goes directly against XXXX XXXX Liability policy which guarantees that you won't be held responsible for unauthorized charges made with your account or account information. Attached below is my identity theft report. I would like an immediate refund to my account for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of both identity theft and XXXX XXXX  As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), lam submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which qualifies as XXXX  under the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( 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  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following account. 

XXXX XXXX This account have been removed on XXXX and XXXX so Im not sure why this is still here. This needs to be blocked or removed from credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: MN

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Hilton ( one of your cobrand partners on a credit card ) deceptively overcharged me - I am seeking your help in trying to obtain the appropriate credit from Hilton who deceptively overchargred me, then totally dropped the ball in their ( alleged ) attempts to work with me on my complaint. Their actions should NOT reflect the level of service that you are OK with in a cobrand partner. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not incur this debt. This debt is not mine. There are two delinquent accounts on my credit report both opened in 2023 that do not belong to me. I never received collection notices regarding these two 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 explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed multiple disputes with EQUIFAX, XXXX and XXXX and the same INACCURATE and NEGATIVE information continues to appear on my credit file despite me submitting the necessary " supporting documents '' to prove it. As a result, my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. Prior to the identity theft ( XXXX ) my score was in the XXXX range, and it should be in the XXXX by now. I am dealing with a known hacker, and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security documents. I just had all the funds drawn out my account in XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!XXXX XXXX ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX  XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this account whatsoever! XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE REVOLVING ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 
XXXXXXXX XXXX XXXX XXXX  : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this account whatsoever! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: VA

Complaint narrative:
Account # XXXX I'm unaware of this debt & did not have the opportunity to dispute this account if you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXXXXXX XXXX  off my credit report or I will take legal actions..

Company response to consumer: Closed with explanation