vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Nelnet, Inc.
State: MI

Complaint narrative:
Subject : Formal Complaint Against Nelnet Dear Sir/Madam, I am writing to formally lodge a complaint against Nelnet regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to Nelnet disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, Nelnet has failed to respond to my letter. 

Nelnet 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that Nelnet is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with Nelnet. 

Despite my attempts to resolve these issues directly with Nelnet, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that Nelnet corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with Nelnet and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not have financing with this business and the inquiry is on my credit reports. 
Company : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, MI XXXX Phone number : ( XXXX ) XXXX Company : Bank XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX ( XXXX XXXX XXXX  ). Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX NO Phone number By mail only Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( 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 non-monetary relief
Consumer complaint received 2024-07-23 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:
I do not have financing with this business and the inquiry is on my credit reports. 
Company : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, MI XXXX Phone number : ( XXXX ) XXXX Company : XXXX  XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX  ( XXXX XXXX Bank ). Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX NO Phone number By mail only Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
Transunion and XXXX are reporting inaccurate information on my personal credit reports to others. I have filed CFPB complaint and the FTC reports which I have provided to them more then twice. They still are reporting fraudulent XXXX accounts on my reports despite me giving all information contrary to their claims. 

I have called, mailed, uploaded all pertinent documents and requested information at twice over past XXXX  days. I have called multiple times to verify their receipt of request to delete block and remove all inaccurate information with regards to the XXXX XXXX XXXX XXXX accounts. 

I have had inquiries on my credit reports allowed even though I have credit freeze and locks on my credit reports. 

I need to have them follow the rules and laws of procedures regarding my credit reports account accuracies. I need help with this as they keep telling me they do not have my FTC reports or CFPB reports supporting my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and XXXX are reporting inaccurate information on my personal credit reports to others. I have filed CFPB complaint and the FTC reports which I have provided to them more then twice. They still are reporting fraudulent XXXX accounts on my reports despite me giving all information contrary to their claims. 

I have called, mailed, uploaded all pertinent documents and requested information at twice over past XXXX days. I have called multiple times to verify their receipt of request to delete block and remove all inaccurate information with regards to the XXXX XXXX XXXX XXXX accounts. 

I have had inquiries on my credit reports allowed even though I have credit freeze and locks on my credit reports. 

I need to have them follow the rules and laws of procedures regarding my credit reports account accuracies. I need help with this as they keep telling me they do not have my FTC reports or CFPB reports supporting my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm alerting you to fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been wrongly associated with me, causing significant distress. As an identity theft victim, I've already reported this incident. This situation urgently requires attention due to its negative impact on my finances and reputation. I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, take legal action to protect my rights and seek compensation. Your swift response to this critical matter is crucial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In review of my credit profile there were some inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage was sold from XXXX XXXX to another company Freedom mortgage the fall of XXXX and there have been issues with payments being applied to my account since. 

The initial problem began with the payment not being sent to the new company. When the problem was brought to my attention in XXXX of XXXX. According to my records/bank statements. XXXX full mortgage payments of XXXX were drafted from my bank on XX/XX/XXXX ( confirmation # XXXX ) and XX/XX/XXXX ( confirmation # XXXX ) to bring my account current. My bank statements confirm that these payments were processed. 

On XX/XX/XXXX, I received another call from Freedom mortgage that my account had fallen behind due to an increase in my mortgage payment. At the time ( XX/XX/XXXX ), I was given transaction IDs from a Freedom mortgage agent for XX/XX/XXXX ( XXXX ) ; and XX/XX/XXXX ( XXXX ) for my initial on time payments for each of those months and was told an additional payment in the amount of {$65.00} for each month XX/XX/XXXX and XX/XX/XXXX was due to balance my account. Confirmation of payments through my bank ( XXXX XXXX XXXXXXXX ) and ( XXXX # XXXX ) I then received that same day ( XX/XX/XXXX, a confirmation number # XXXX confirming the payment drafted from my bank in for amount of {$130.00}, which was the total for both the XXXX and XX/XX/XXXX additional payments. 

Though I continued to make on-time payments through the bill pay system through my bank to Freedom Mortgage. During the winter of XXXX, I received a call from Freedom Mortgage regarding the issue that had already been resolved on XX/XX/XXXX. At the time, I asked for a payment statement and did not receive it for several more months. 
I received a call on XX/XX/XXXX that my account was behind due to missed and late payments. However, my bank statements do not reflect any late or missing payments since the XXXX XX/XX/XXXX adjusted payments. 

I submitted the following information to my Freedom Mortgage account on XX/XX/XXXX and the issue was never resolved. At the time, upon reviewing my bank statements for the past XXXX months, I counted XXXX full payments/transactions to Freedom Mortgage which include XXXX full payments in the month of XXXX of XXXX ( to account for the missing payment due to mortgage companies switching. ) However, to date I continue to receive communication Freedom Mortgage that my account is past due. And late fees and penalties continue to be applied to my account. Being that my bank statements provide proof of these payments made each month, I have made attempts to resolve the matter but my attempts have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account 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