vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2024-12-13 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
I am writing to formally dispute and express my deep concern regarding the inaccurate and misleading information present on my credit report, which is adversely affecting my financial stability and reputation. I pulled my credit report and seen inaccurate information reporting by RentRecovery Solutions stating I owe the amount {$2900.00}. This company has been false reporting that I have missed payments when I was never informed about this account to begin with. I never received notice about this account and amount owed. I have called this company so many times and left voicemails and have not received any response from them. I have sent an inquiry on their website to contact me by email and received no response. Ive disputed this information countless times through all XXXX credit bureaus and every time I have not received anything verifying this debt belongs to me and this has affected my life more than I can put into words. I requested documentation showing the purchase agreement of this debt, and the validation of the debt and explaining amount owed. Per the credit reporting agencys it states this account has been open since XX/XX/year>. I have not received a a single written or electronic notice of this account from the company Rent Recovery Solutions. I sincerely appreciate your help with getting this matter resolved per the FDCPA I hope to expect a response within 30 days or less. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your assistance regarding the false account listed on my credit report. This matter is impacting my reputation as a customer, and I need your support. I want these accounts removed as they are being reported unfairly and negatively.

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has filed a civil lawsuit alleging I owe them XXXX. In the petition filed, the debt collector has stated that I have refused to pay the alleged amount and now seek the lawsuit to recover. 

This is completely false and I attach not only the petition filed by XXXX XXXX XXXX but my attempts to resolve and receive the information pertaining to the alleged debt by Comenity.

Due to my efforts exhausted I ask that CFPB conduct a review of XXXX XXXX XXXX action stemming from this alleged debt for violations. 

I believe that I requested throughly information that was not provided, yet this debt collector decided to file a lawsuit stating otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi, i have got fraud on my chase account and some how the bank refunded me the money past XXXX money from all the transactions via check and after i got it and deposited and bank closed my account saying that too many fraud reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I am seeking your assistance regarding the false account listed on my credit report. This matter is impacting my reputation as a customer, and I need your support. I want these accounts removed as they are being reported unfairly and negatively.

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information listed on my credit report concerning the following account : Creditor : XXXX XXXX XXXX  Account Number ( Last 4 Digits ) : XXXX Status : Charge-off Upon reviewing my credit report, I noticed discrepancies in the reporting of this account. As required under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information provided. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or can not be verified must be promptly removed or corrected. 

The reported details are as follows : Credit Usage : 100 % Balance : {$1000.00} Status : Charge-off as of XX/XX/year> I believe this information is inaccurate. Specifically, I dispute the charge-off status, the balance owed, and the credit usage percentage. 

To resolve this matter, I request : 1. Proof that the account was appropriately closed and charged off.

2. Documentation verifying the accuracy of the balance and payment history.

3. Evidence that all relevant information complies with the Fair Credit Reporting Act ( FCRA ).

If the accuracy of this information can not be verified, I request its immediate removal from my credit report.

Please complete your reinvestigation within the 30-day timeframe required by law and provide a written response detailing your findings. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or deleted as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: VA

Complaint narrative:
I am writing to formally re-dispute the accuracy of the information reported by XXXX XXXX XXXX specifically regarding the collection account listed as account no. unknown. The account is being reported inaccurately, and I am requesting immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i Violation of FCRA - Dispute Accuracy, Violation of 15 USC 1681s-2 FCRA - Responsibilities of Furnishers of Information , Violation of 15 USC 1692g FDCPA - Debt Validation, Violations of 15 USC 1692e FDCPA - False or Misleading Representations, IRS Form 1099-C Cancellation of Debt. Based on the above violations, I respectfully request that you remove the inaccurate collection account from my credit report. In accordance with the FCRA, I expect a response to dispute within 30 days. Should you fail to comply with these federal requirements, I will take further legal action and pursuing a lawsuit for any damages cased by your failure to adhere to federal laws.

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 2024-12-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally re-dispute the accuracy of the information reported by XXXX XXXX XXXX specifically regarding the collection account listed as account no. unknown. The account is being reported inaccurately, and I am requesting immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i Violation of FCRA - Dispute Accuracy, Violation of 15 USC 1681s-2 FCRA - Responsibilities of Furnishers of Information , Violation of 15 USC 1692g FDCPA - Debt Validation, Violations of 15 USC 1692e FDCPA - False or Misleading Representations, IRS Form 1099-C Cancellation of Debt. Based on the above violations, I respectfully request that you remove the inaccurate collection account from my credit report. In accordance with the FCRA, I expect a response to dispute within 30 days. Should you fail to comply with these federal requirements, I will take further legal action and pursuing a lawsuit for any damages cased by your failure to adhere to federal laws.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX  listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified 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 2024-12-13 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-12-13 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: PA

Complaint narrative:
I emailed the PA Dept of Education on XX/XX/XXXX with the following text : My loans were forgiven under the Limited PSLF program. My loans were consolidated XXXX years ago in order to partake in the program. I made over XXXX payments on my loans prior to PSLF waiver. I received notice that my loans qualified for forgiveness in XXXX. However I believe I am owed a refund because I paid over XXXX payments and I am owed a refund for the payments I continued to make over the past 15 years. XXXX told me I am NOT owed a refund because I didn't make any payments while they were reviewing my loan. This is not my understanding of how this loan refund works. " Any payments made over XXXX will be automatically refunded as long as those extra payments occurred after consolidation, '' said XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX XXXX, a nonprofit. 

Emailed again on XX/XX/XXXX with the following text : My loans were forgiven via XXXX. I am owed a refund for making over XXXX payments and I still have not received my refund. Also, I was part of the class action Sweet vs Cardona, and I was supposed to receive my money from those loans and I still haven't received those either! 


Not only did I not receive a response from them, they also closed my case with no resolution on answer for either inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 explanation
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
There is an address on my credit report XXXX XXXX XXXX in XXXX PA. I have never even been here. 
Im scared that Im a victim of identity theft because there are also a lot of new inquiries on my credit reports that I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
There is an address on my credit report XXXX XXXX XXXX in XXXX PA. I have never even been here. 
Im scared that Im a victim of identity theft because there are also a lot of new inquiries on my credit reports that I didnt do.

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 2024-12-13 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: NV

Complaint narrative:
My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV 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 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Sold debt that they say is mine to another company and I havent lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax sent me a prepaid card after the original claim lawsuit has been settled was buried in my email and would did not realize it was there I got another notification day before yesterday in telling me that I had yet another prepaid card that was left over money that they could send to me I tried to activate the original prepaid card and extremely hard time with it those sites did not work the information wasn't on the screen long enough to get to write it down and you can't find it again I finally got a balance on some card and it said XXXX there's no money on it I don't understand what their problem is Equifax seems like you're trying to XXXX us around so much for people just give up and they can keep their money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I send dispute letters around XXXX or XX/XX/year> asking for proof of debt owed and no proof was given.

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