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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Heard about Equifax Data Breach that happened in XXXX - XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX. The data breached was Social Security numbers, birth dates, addresses and drivers license numbers. ON XXXX RECIEVED A NOTICE OF DATA BREACH FROM CHANGE HEALTHCARE, THE DATA BREACH INCLUDED Health insurance information, Social security, drivers license, medical records and banking information. Upon pulling my XXXX full credit reports I saw lots of loans i did not request or sign up for. Also saw lots of inquiries I did not apply for. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7100.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1700.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Fraudulent Federal Student Loan XX/XX/XXXX, XXXX PM XXXX https : //www.identitytheft.gov/dashboard XXXX FTC Report XXXX : XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in 2 data breach 's and this information must be removed.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Heard about Equifax Data Breach that happened in XXXX - XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX. The data breached was Social Security numbers, birth dates, addresses and drivers license numbers. ON XXXX RECIEVED A NOTICE OF DATA BREACH FROM CHANGE HEALTHCARE, THE DATA BREACH INCLUDED Health insurance information, Social security, drivers license, medical records and banking information. Upon pulling my XXXX full credit reports I saw lots of loans i did not request or sign up for. Also saw lots of inquiries I did not apply for. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7100.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1700.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Fraudulent Federal Student Loan XX/XX/XXXX, XXXX PM XXXX https : //www.identitytheft.gov/dashboard XXXX FTC Report XXXX : XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in 2 data breach 's and this information must be removed.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for the defamation of character. ) XXXX XXXX XXXX XXXX balance {$520.00}, XXXX  balance {$0.00}, XXXX XXXX  balance {$1900.00},

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20  years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling experian, XXXX, and XXXX because of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20 years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling experian, transunion, and XXXX because of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20 years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling XXXX XXXXXXXX, and equifax because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing in response to a recent communication I received regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I formally request validation of this debt.

Under federal law, you are required to provide the following information : Verification of the original creditors name and address.

A detailed statement of the amount allegedly owed.

Proof that you have legal authority to collect this debt.

Copies of any agreements bearing my signature that substantiate this debt.

Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit bureau, as failure to validate renders further collection efforts unlawful under FDCPA regulations.

Additionally, if you are unable to provide adequate validation, I request that you immediately stop all collection attempts and remove any negative reporting associated with this debt from my credit file.

Please confirm receipt of this letter in writing and direct any future correspondence regarding this matter to me at the address listed above. Any failure to comply with this request may result in legal action for violations of my rights under the FDCPA. 

Thank you

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im filing a complaint against Navy Federal credit union regarding overdraft fees, I have incurred. Despite having sufficient funds when transaction was authorized I was charged due to lagging posting of credit and charges. This issue aligns with the current CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient funds I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon reviewing my credit report I've noticed unauthorized fraudulent accounts. Please remove these accounts as they are hindering my ability to obtain credit. Thank you

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: AR

Complaint narrative:
Upon reviewing my credit report I've noticed unauthorized fraudulent accounts. Please remove these accounts as they are hindering my ability to obtain credit. Thank you

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX I am filing this complaint about an incorrect item on my credit that is affecting my credit negatively. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX I am filing this complaint about an incorrect item on my credit that is affecting my credit negatively. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. Experian has neither corrected nor removed.

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 — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was checking my credit report around XX/XX/XXXX from my XXXX  XXXX account and I noticed 4 student loans were added to my credit report. This was very odd to me because they were serviced US ED Nelnet. ( Didnt know at the time it stated nelnet for a reason because they are my student loan servicer. ) I honestly thought it was fraud at first because before the cares act my loan was in forbearance and then dropped off my credit report around the cares act time for years it was gone till around XX/XX/XXXX when I noticed loans back on my report. I have several complaints about great lakes ( who did service my loan ) and nelnet ( who is my servicer now ) after doing the digging to figure this all out. I have not even had to think about my loan since XXXX so all this has blown me away and ruined my credit. I had a XXXX XXXX XXXX and now it is XXXX due to all this mess. 
I did figure out great lakes closed and my federal student loan went to nelnet. I never recieved any notice from great lakes that my loan was moving. I had to login to federal student aid to find out nelnet was my student loan servicer. I have attempted to contact great lakes to figure out my loan amount but they closed everything and i cant access payment amounts, etc. I can not figure out how to get ahold of them. Everything I try it says it isn't in service anymore. My account to great lakes is completely closed and unaccessible. I have no way of knowing what it was. Great lakes has no info on my account and no way to access any information which is wrong. All this information should have been relayed to the people that pay these student loans. By great lakes not provding this how am I supposed to know everthing is accurate. After this defeat with great lakes I pushed on with nelnet trying to login with my great lakes login information even hoping it would work. Attempted to create an account. Nothing worked I looked up my name, ssn, email, and phone number with nelnet and the prompts for login said they can't find me in there system or I already have an account. I contacted customer service via chat to see why their websites states they can't find my account. They were unsure asked me to create a new account because they couldnt find an account either. I attempted to make an account and was blocked by the website stated I couldnt. I tried again as asked by customer support and website froze. Chat froze. O had no option but to close out the window. I have continued to make several attempts to retrieve an account or make an account and each time the website won't let me. Now nelnet has reported to my credit report I am delinquent on 4 loans and severely ruined my credit I have worked years to achieve! I would Like an account with nelnet so I can make payments and I would like this delinquent reports off my credit report. My score back to what it was.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
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 XXXX 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 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 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 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 I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are 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: AR

Complaint narrative:
Upon reviewing my credit report I've noticed unauthorized fraudulent accounts. Please remove these accounts as they are hindering my ability to obtain credit. Thank you

Company response to consumer: Closed with explanation