vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/scrub>XXXX  Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-03-27 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: Early Warning Services, LLC
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-27 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I got a subsidized loan. After having issues with the university I was attending I took a semester off to transfer to a new school. In that time they put me on forbearance twice without reaching out to me for it and sent vague emails about needing to look at my account. In the fall of XXXX  I tried logging in to prove I was a student after getting an email regarding past due payments. They couldnt locate my account on the website I tried a few more times but said my information couldnt be located even though I was receiving emails. I tried calling the number provided but I dont remember the conversation just that it didnt help I was finally able to access my account less than 30 days ago and made a payment on the past due amount. I reached out as they ended up putting XXXX reports of missed payments on my credit history. They confirmed the issue but said I had not called. If they have access to my email and phone number information then I shouldve never had to have spent months trying to get access to my account. I can pull my call history and prove I tried calling as well. When I reached out to see if they could correct the report on my history they said they would not unless I could prove I was a student at the time of the report or was military but the error occurred regardless of either of those statuses. I can also provide my transcript for the fall but I am a XXXX XXXX XXXX and will not have classes till the summer and do not think they reported me in the XXXX semester I am not taking classes as a coincidence after putting me on unauthorized forbearance while I was taking classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-27 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:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-27 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: MS

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-03-27 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: MS

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In XX/XX/year> I met someone on a XXXX website called XXXX. His name is XXXX XXXX ( fraudulent name ) and he lives in XXXX XXXX. Over the course of XXXX thru XXXX. We text and talked on the phone almost daily. During this time XXXX shared that he traveled to XXXX  for his XXXX  business to fix a large XXXX. At some point in XXXX he was distressed because his insurance funds were not being released to him to purchase parts. He said he had a large payout. He asked if I could loan him money until he got back to XXXX  to deposit his insurance check and at that time he would reimbursement me. XXXX agreed. 
The first transaction was on XX/XX/year> for {$62000.00}. I went to my bank, which is XXXX XXXX, and got a cashiers check for that amount. I then went to Bank of America for a wire transfer. The second transaction was about a week later and was for {$53000.00}. The third transaction was on XX/XX/XXXX for {$28000.00} for a grand total of {$150000.00}. There was an initial wire transfer to a XXXX XXXX at XXXX XXXX for {$13000.00}. I am submitting another complaint for the XXXX XXXX wire transfer as this is also a fraudulent account that is scamming people ) I am attaching the Police Case file that I filed with my local Police Department that investigated for nearly XXXX years. Unfortunately, due to Antiquated laws, Internet fraud is out of my local police department jurisdiction. 

I contacted Bank of American complaint department and they dismissed me. It is clear the BofA account set up is/was for scamming and money laundering yet BofA does not follow laws to protect victims such as myself. I implore you to help me get my money back.

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 2025-03-27 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: NC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
am submitting this complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies ( TransUnion, Equifax, and Experian ) for the fraudulent reporting of a collection account on my credit reports. 

The account in question is : Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} Date Opened : XX/XX/year>XXXX  Listed Address : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX I am a victim of identity theft and did not open or authorize any account with XXXX XXXX XXXX XXXX. I submitted an Identity Theft Affidavit and Identity Theft Report # XXXX to the company. I mailed this documentation to the address listed on my credit report, and my mail was returned as undeliverable by the United States Postal Service, confirming the address is invalid. 

This means : 1. The account is fraudulent and tied to identity theft 2. The furnisher can not be contacted at the address provided 3. The information is unverifiable and should not be reported Despite t

his, TransUnion, Experian, and Equifax continue to report the account, causing ongoing damage to my credit and financial standing. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : Duty of furnishers to report accurate information 15 U.S.C. 1681i ( a ) : Duty of consumer reporting agencies to investigate disputes and delete unverifiable information Furnishers are not allowed to report false or unverifiable data, and credit reporting agencies are required to remove disputed information that can not be verified. 

What I want to happen : Immediate deletion of this fraudulent account from all three credit bureaus An investigation into XXXX XXXX XXXX XXXX for furnishing false information and using a non-working address Written confirmation that the item has been removed from my credit file Full enforcement of the FCRA against all responsible parties This is a serious matter. If this account is not deleted and corrected immediately, I will pursue additional legal action and seek damages for willful noncompliance. I have attached all supporting documents, including my Identity Theft Affidavit, Report # XXXX, proof of returned mail from USPS, and a copy of my ID.

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 2025-03-27 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: IL

Complaint narrative:
am submitting this complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies ( TransUnion, Equifax, and Experian ) for the fraudulent reporting of a collection account on my credit reports. 

The account in question is : Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} Date Opened : XX/XX/year>XXXX  Listed Address : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX I am a victim of identity theft and did not open or authorize any account with XXXX XXXX XXXX XXXX. I submitted an Identity Theft Affidavit and Identity Theft Report # XXXX to the company. I mailed this documentation to the address listed on my credit report, and my mail was returned as undeliverable by the United States Postal Service, confirming the address is invalid. 

This means : 1. The account is fraudulent and tied to identity theft 2. The furnisher can not be contacted at the address provided 3. The information is unverifiable and should not be reported Despite t

his, TransUnion, Experian, and Equifax continue to report the account, causing ongoing damage to my credit and financial standing. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : Duty of furnishers to report accurate information 15 U.S.C. 1681i ( a ) : Duty of consumer reporting agencies to investigate disputes and delete unverifiable information Furnishers are not allowed to report false or unverifiable data, and credit reporting agencies are required to remove disputed information that can not be verified. 

What I want to happen : Immediate deletion of this fraudulent account from all three credit bureaus An investigation into XXXX XXXX XXXX XXXX for furnishing false information and using a non-working address Written confirmation that the item has been removed from my credit file Full enforcement of the FCRA against all responsible parties This is a serious matter. If this account is not deleted and corrected immediately, I will pursue additional legal action and seek damages for willful noncompliance. I have attached all supporting documents, including my Identity Theft Affidavit, Report # XXXX, proof of returned mail from USPS, and a copy of my ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: VA

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 2025-03-27 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-27 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief