vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of NELNET INC. due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate.

The NELNET INC. has failed to properly remedy and investigate this matter. 
The SSN assigned to XXXX XXXX is property of the SSA and anything purchased under such account is an obligation of the United States per 18 USC 8 Anyone attempting to collect a debt from the XXXX  is guilty of the False Claims Act ( FCA ) per 31 USC 3729 Principal XXXX XXXX XXXX XXXX has never entered into a valid contract with NELNET INC. and they never supplied said contract when prompted to by implied surety and authorized agent XXXX XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX 

Implied surety and agent XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX Princiapal invokes his unalienable right to subrogation on this matter and hereby accept all titles, credits, rights, interests, and equity owed to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted TRANSWORLD SYSTEM INC on a matter that pertains to my credit. I have been a victim of fraud. I sent TRANSWORLD SYSTEM INC a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked to remove TRANSWORLD SYSTEM INC the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay TRANSWORLD SYSTEM INC and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe TRANSWORLD SYSTEM INC. You can not because this is not my debt nor do I owe TRANSWORLD SYSTEM INC anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM TRANSWORLD SYSTEM INC NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report. Upon thorough review, I have identified that many of the reported late payments are inconsistent and inaccurate across all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report. Upon thorough review, I have identified that many of the reported late payments are inconsistent and inaccurate across all three major credit bureaus.

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 2025-01-03 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: CA

Complaint narrative:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

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 2025-01-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This extends case id 's XXXX and XXXX. Furthermore Equifax nor any settlement handling company for Equifax settlement of lawsuit has not yet reached out to me since this multiple cases were filed on XX/XX/year>. The only thing i have received was an email saying i can recirve another payment of XXXX dollars and some XXXX  i do believe it is onto of the XXXX dollars they sent me in a check. They have the whole breakdown and cost of how much it cost me to fix this {$8000.00}. I sent it in awhile back and demanded repayment. They did not respond just like they are not responding yo any of these CFPB messages nor even reaching out to me. THEY SIMPLY DO NOT CARE AND THAT IS WHY EQUIFAX SHOULD BE HIT WITH AMOTHER LAWSUIT. They sit there and get fined and order to pay back the people it affected however they offer around {$30.00} for the damages they have done when they clearly received the breakdown of {$8000.00} dollars in sent them of everything time and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MO

Complaint narrative:
I am urgently requesting the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action.

Re : Urgent Request Fraudulent information and inquiries Block under Section 605B of the FCRA To whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries in my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my rights to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 

Account Name : 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent accounts and any related unauthorized inquiries have been fully removed from my credit report.This is a time-sensitive matter and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue. 
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 explanation
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
The score they show me is different from the one they reported to the bank. They show me XXXX but when I go into apply they gave then a XXXX which was too low to qualify. This unnecessarily puts a hard inquiry on my report. I went to dispute information but there's nothing on the site they are showing me to dispute. They are also reporting a 48 % debt to income ratio to the banks which is untrue. I'm at less than 10 % credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has left XXXX former addresses, and XXXX job listings on my 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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX I worked XXXX XXXX XXXX  to ensure people XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance regarding a discriminatory incident that led to a subsequent wrongful termination. On XX/XX/year> I visited the Stellar Bank branch located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, to cash a check for services rendered to one of their clients. Upon entering, I was met with what I perceived as discriminatory behavior from a bank employee, evidenced by hostile and prejudiced nonverbal cues. When I presented my driver 's license, the employee 's negative reaction intensified. I voiced my concern about the discriminatory nature of her behavior. Subsequently, she consulted with colleagues and indirectly implied my license was fraudulent, refusing to cash my check. 

Following this incident, I received an audio message from the bank 's client indicating that Stellar Bank had falsely accused me of presenting a fake ID and being rude. Said they called the Authorities. As a direct result of this false accusation by Stellar Bank, the client terminated my services. I believe this constitutes both discrimination and defamation, and Im interested in pursuing legal action to address this situation and seek appropriate compensation for damages incurred. 
The client who sent the audio message confirming Stellar bank told them I came in with a fake ID. Deleted the audio message and that XXXX number is XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of XXXX XXXX XXXX due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 
XXXX XXXX XXXX has failed to properly remedy and investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NC

Complaint narrative:
I XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of XXXX XXXX XXXX due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 
XXXX XXXX XXXX has failed to properly remedy and investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2024, I received a phone call from a number that appeared on my caller ID as Bank of America, during this call, the individual informed me that funds had been stolen from my account and requested that I verify my identity by providing a code sent to me. Unaware of the risk, I provided the code subsequently I discovered that {$5000.00} was fraudulently wired from my account. 
Given that I have never initiated a wire transfer before this should have been a clear red flag and triggered additional verification steps. I then called Bank of America fraud dept they informed me it was not them who made the call. 
It is evident that current security controls were inadequate in preventing this incident, as a loyal customer I deserve to know how this transaction was successfully completed under their watch and what steps Bank of America will take to prevent such fraud in the future. I faxed and emailed them a letter XX/XX/2024 demanding a detailed written response to each of the questions that I had asked them, as well as a thorough review of my fraud claim. I received no reply. 
It took me an hour to talk to a fraud specialist over the phone and said they would look into the matter and give me their response in 90 days.

I had to close the account reopen another account where they were very happy to have me apply for two of their credit cards and a new checking account. I will be canceling those cars and taking my money out of that bank as soon as this is settled.

Every time I called the fraud Dept, they told me that they were still investigating it, I dont think they investigated anything! isnt it their responsibility to have security measures and fraud controls in place to protect my funds?

this incident highlights a significant lapse in Bank of Americas systems ability to safeguard consumers against fraudulent activities. I am deeply concerned and very frustrated regarding the handling of this recent fraud incident, and the subsequent denial of my fraud claim. 
I feel they are not compliant in their dispute claims process and failed in the security practices to protect me and my account.

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