vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of late payments on my credit report as listed in the report provided by your agency. After a careful review of my credit history, I have identified inaccuracies that I believe are negatively impacting my credit score. I am requesting an immediate correction of these errors. 

I understand that accurate reporting is essential for maintaining the integrity of credit reports. However, I firmly believe that the late payments listed are erroneous, and I request a thorough investigation into this matter. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter promptly and correct any inaccuracies found on my credit report. As a consumer, I am entitled to fair and accurate reporting, and I believe that resolving this dispute will contribute to the overall accuracy of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and timely investigation of my dispute. I request that you provide me with a written response within 30 days of receiving this letter, detailing the results of your investigation and any actions taken to rectify the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
These accounts currently in a litigation, and it must be removed. Plus, my info got hit in the Equifax data breach, so this should be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-12-22 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:
On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my Equifax file. It was completely gone. 

I then proceeded to contact Equifax and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : 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  I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold Equifax accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XXXX of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days COMENITYBANK/VICTORIA  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. 15 USC 1666 ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. XXXX specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.

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 2023-12-22 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:
I recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the XXXX Data Breach as well as the Transunion and XXXX data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent transunion, XXXX, and XXXX a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS 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 2023-12-22 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a 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 non-monetary relief
Consumer complaint received 2023-12-22 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:
I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress. 

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file. 

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-22 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:
I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress. 

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file. 

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: AZ

Complaint narrative:
I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.

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 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO loan officer XXXX XXXX promoted a loan program on a XXXX XXXX  consisiting of XXXX realtors. first of all, all banks forbid marketing and promotion on XXXX ; 2nd, she said this program excluded XXXX, this is discrimination against XXXX. I checked with a BMO XXXX  loan officer, he said its not true. XXXX XXXX is misleading realtors. BMO shall prohibit XXXX XXXX from marketing on XXXX and distributing misleading and discriminating promotion. This exposed the bank to endless lawsuit risk. 

I attach print-screen of her marketing ( in 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 2023-12-22 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: MO

Complaint narrative:
My loans transferred from Great Lakes to Nelnet. I have tried multiple times to set up auto debit ( recurring payments ) with nelnet. My nelnet online account shows I have these auto debits set up to pull on the XXXX of each month, but they never pull the funds. 

By the XXXX I get a letter from nelnet stating my financial institution couldnt process the transaction. Thats a lie. Ive called XXXX XXXX  and verified. I have sufficient funds in the chase account. I have verified with chase that nelnet never even attempted to pull my XX/XX/2023 or XX/XX/2023 payments. My 1 time payments using the EXACT SAME account information go through just fine. 

Using auto debit payment is supposed to give me a small interest deduction. Nelnet is not even attempting to pull the auto debits and they are screwing me out of my interest deduction. XXXX has verified there are not holds on my account of anything else awry on their end. I have submitted complaints to the US dept of education and Nelnet. I have not received a response as of yet. I have tried to call nelnet on multiple occasions. I can not ever get anyone on the phone. Their chat bot is not equipped to handle my complaint. 

All my loans are from XXXX XXXX. I am a XXXX  with a XXXX. Their website is intentionally difficult to use, and there is no doubt in my mind they are doing this on purpose. This is predatory. I WANT to pay my loans on time. It shouldnt be this difficult to give them my money. If I have difficulty navigating this system, I cant imagine who would find it easy.

Company response to consumer: Closed with explanation