vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-19 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:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have I bank of America credit card I missed a payment and my credit balance went from {$8000.00} dollars to {$3000.00} dollars my issue with the decrease is my balance is {$2800.00} dollars when my credit limit was {$8000.00} dollars I missed a payment and they didn't drop the limit by half which would have made sense, they dropped to the limit {$200.00} dollars from my balance which could create a more probable situation for my or any one to rack up fees of overages.

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 2024-03-19 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-19 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have applied for several new XXXX accounts, as either transffered my business to chase, or expanding my business cards for rebates and rewards. 

I applied for XXXX only, my personal Credit should not of been effected, these XXXX inquiries dropped my personal credit score. I did not apply for Personal credit therefor my personal credit should not suffer for this. 

Personal credit report Hard pulls for XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to follow up on the certified letters I sent on XX/XX/2023, regarding the inaccuracies in my credit file and the violations of consumer reporting laws. Despite my previous attempts to address these issues, I have received a report back with my name incorrectly stated on every page, indicating a failure to rectify the situation. 

As previously stated, your agency has continued to furnish my consumer report with inaccuracies without proper written instructions from myself, a direct violation of 15 USC 168lb ( a ) ( 2 ) and FACTA Title 1 sec . 151. These actions have resulted in significant injury to myself and my family, both financially and in terms of reputation.

Upon reviewing the report I received, I discovered that the inaccuracies persist, with my name being incorrectly stated on every page. This further exacerbates the already concerning situation and highlights a failure to address the issues raised in my previous correspondence.

I reiterate my formal request for the removal of all inaccuracies within 30 days of this communication, dated XX/XX/2023. This includes the deletion of incorrect names, addresses, telephone numbers, inquires, and employers. Additionally, I demand that my name be correctly reflected on all pages of the report. 

I have enclosed copies of my state-issued identification and social security number to validate my identity once again. It is imperative that these inaccuracies are rectified promptly to prevent any further harm to my creditworthiness and financial well-being. 

Despite my previous attempts to rectify these issues through certified mail, there has been no response from your company within the agreed upon 60-day timeframe. This lack of communication is deeply concerning and further underscores the urgency of resolving these matters promptly. 

This letter serves as a continued formal complaint and a demand for compliance with consumer reporting laws. Failure to address these issues and provide a satisfactory resolution will leave me with no choice but to escalate this matter to relevant regulatory authorities. 

I expect immediate action and communication regarding the resolution of these discrepancies.

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 2024-03-19 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: OH

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

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: OH

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

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
MY CARD WAS ACTIVATED & FUNDS WERE USED WITHOUT MY KNOWLEDGE I INFORMED THE BANK WHO ISSUED THE CARD OF THE FRAUDULENT CHARGES & THE DENIED MY CLAIM BEFORE RECEIVING MY DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MOHELA
State: AZ

Complaint narrative:
Since entering repayment status, I have paid all of my student loans on time. Repayment started in XX/XX/2023. I made that payment. Due to errors with Mohela they sent out communication stating that they are not requiring that I pay XXXX or XXXX. I have documentation directly from them pertaining to this. My next payment resumed XXXX to present day in which all have been paid in their entirety. Despite numerous attempts to rectify this matter, the situation remains unresolved. I have diligently fulfilled my responsibility by making timely payments towards my student loan account. However, it has come to my attention that there has been an error in the reporting of my payment status, resulting in it being marked as past due. This is concerning as it may adversely impact my credit score and financial standing. I have made several calls to their customer service department and have spoken with representatives who assured me that they would investigate and correct the issue promptly. Regrettably, despite these assurances, the problem persists, and I have yet to see any improvement in the status of my account. Given the gravity of this situation and its potential consequences, I kindly request your immediate attention to this matter. They continue to send automate responses and assure me someone is looking into the error with no end in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MN

Complaint narrative:
I submitted a support ticket to Gemini Trust Company , LLC 's customer support team on [ Monday, XX/XX/XXXX ], requesting additional information about a " security hold '' that was placed on my account. 

A customer service representative ( called " XXXX '' ) responded to my support ticket on [ Monday, XX/XX/XXXX ] confirming the account restriction and requested that I provide additional personal information to confirm my identity ( i.e., copy of my photo ID ). 

I promptly provided this information on [ Monday, XX/XX/XXXX ] and then received a follow-up email requesting information about my account activity. The customer support representative requested additional information about my recent cryptocurrency withdrawal attempt, which I promptly responded to on [ Monday, XX/XX/XXXX ]. 

It is now [ Tuesday, XX/XX/XXXX ] and I have not received any response from their customer support team about the status of my account restriction. I have XXXX XXXX, valued at {$29000.00} at the time of this complaint that I am unable to withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: CT

Complaint narrative:
Lexus Nexus an identity verification company. After dealing with them for well over 30 days, they fixed my verified information as far as my phone phone number is concerned The problem with this company is they also use unverified information and in unverified account they did not fix the phone number issue. There is no number there at all after speaking with this company and asking them why was the verified information fixed, but the unverified information is not fixed. If they have verified information, then why cant they just fix the issue at hand? They want another XXXX to XXXX days telling me they have to wait until this information is reported to them by whoever reports information to them. 

They will not just fix it, even though they have a verified phone number Which makes absolutely no sense to me This all stems from XXXXXXXX XXXX  putting cashiers checks on hold and holding that money until my phone number can be verified, and although XXXX XXXX is using Lexus Nexus as a verification company, they are looking at an unverified profile, which makes no sense to me. 
The information is there within their system. I would love it if somebody could look into this and help me understand what is so hard about just fixing a phone number. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n

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 2024-03-19 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 have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-19 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that XXXX XXXX XXXX and SEQUIUM provide the following documentation, which constitutes full debt validation : XXXX. A copy of the purchase agreement between the original creditor and XXXX XXXX XXXX, clearly indicating the transfer of debt over the account in question. 
XXXX. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor. 
XXXX. Documentation proving that XXXX XXXX XXXX sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA. 

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights. 

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against XXXX XXXX XXXX for non-compliance with federal consumer protection laws. 

I trust that XXXX XXXX XXXX and SEQUIUM will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I sent a letter pursuant to the Fair Credit Act to Jefferson Capital System requesting validation of the said debt but have not received any correspondence to have said debt validated. I did not sign a contract with the said company. I have no knowledge of the said debt.

Company response to consumer: Closed with explanation