vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are unauthorized accounts on my credit report that do not belong to me. I believe these may be due to identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was in the rate reduction program, I was told that my ability to continue the program had come to and end. I explained I was unable to make my payments. They explain that they could not Offer me the program and I could make my regular payment of XXXX + or I could pay the interest only which was XXXX. They later reported me to the credit bureaus as more than 60 days late in XXXX of 2024, this was also during the time the president issued a protection against student loans under Covid. After I was reported to my credit bureaus they then offered me the program that they originally told me was unavailable. I need them to remove this from my credit report as it is damaging and causing me further hardship financially. Please look into this for me. We already know they havent been the most forthcoming or honest with there borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-09-21 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: MS

Complaint narrative:
I have identified several unrecognized accounts on my credit report that are not mine. I suspect they may have resulted from identity theft or fraudulent activity.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These late payments are inconsistent with my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-09-21 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: NC

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-09-21 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: OH

Complaint narrative:
I gave a friend {$3500.00} and they deposited there check in my account via mobile app for the same amount and the bank closed my account and kept my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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 am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: TX

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.

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 XXXX 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 informationisinaccurate.

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 2024-09-21 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: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX. XXXX, {$4600.00}. XXXX. XXXX, {$550.00}. XXXX. XXXX, {$3500.00}. XXXX. XXXX, {$2200.00}. XXXX, {$1200.00}.

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 2024-09-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject. 



XXXX XXXX Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask! 

Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXX XXXX XXXX first XXXXXXXX XXXX, and cXXXX XXXX XXXX  Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.

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 2024-09-21 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: PA

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Due to the Fair Credit Report Act FCRA 15 U.S.C 1681*** law this company keeps inaccurate reporting to the XXXX credit bureau about my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hard inquiry I don't recognize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: IN

Complaint narrative:
There are unrecognized accounts on my credit report that do not belong to me. I suspect they may be due to identity theft or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Advantage Finance, LLC
State: KS

Complaint narrative:
Auto Advantage XXXX reported the account as being opened on XX/XX/XXXX to XXXX and XXXX. 

Auto Advantage XXXX failed to report payment history for XXXX of XXXX. Auto Advantage XXXX has the following inaccurate credit reporting which has violated my constitutional rights and XXXX XXXX under 15 USC and designated sub categories. 

Auto Advantage XXXX reported to XXXX in XXXX of XXXX that the account was XXXX  days late. In XXXX of XXXX the account was deemed to be XXXX  days late by Auto Advantage XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXX of XXXX that the account was 30 days late as of XXXX XXXX  60 days. 

Under XXXX XXXX XXXX as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with XXXXXXXX XXXX accuracy to the credit bureaus. Auto Advantage XXXX has violated XXXX XXXX and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to Auto Advantage XXXX and they failed to properly respond or correct any information within a reasonable timeframe under XXXX XXXX. Auto Advantage XXXX violated XXXX XXXX again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting. 

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. Auto Advantage XXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: NC

Complaint narrative:
This is the same situation as XXXX XXXX. 

Upgrade falsely advertised pre-approved for credit card then always denies. This is the third time. 

UpgradeCard.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

Complaint narrative:
I was using a banking service for my Business, that I have used for four years. I had a client to pay an invoice this morning in the amount of {$1900.00} and went to use the business debit and checking card I have through Square, that I have had for 3 years. I attempted to pay a contractor via his desired payment method of cash app, and the transaction was declined. After that, I went to check my balance and the available funds of {$1900.00} was gone. I contacted Square who told me a hold was placed on my account with no details, and the hold couldn't be lifted until Monday when the team returns. I requested a supervisor and to no avail, wasn't assisted. I was told I would have to wait the entire weekend to have the hold reviewed and lifted.

My concern is that even Credit unions who aren't available on weekends, has a team available when these issues occur to prevent anyone from being without their funds. Square is unlawfully holding consumers funds, with no available team or persons to ensure the hold is legit and legal, and consumers have access to their funds. 

Now I am out of my funds, and have to prolong a contract with a client. I am a business owner, and now I can not conduct the service that a client paid me for in a timely manner, because I don't have the funds to pay the contractor. Now I have to explain this to the client and potentially look like a fraud. This has cost me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Hello Sir, Madam How are you doing? My name is XXXX XXXX, I've had Federal student loan around XXXX dollars for my XXXX years college and while I served in XXXX XXXX XXXX XXXX  I was informed my XXXX XXXX XXXXXXXX put me in collection ( I have a lot of stresses ) and deferred my student loan with interests and XXXX destroyed my XXXX XXXX while I was in XXXXXXXX XXXX. When I was serving in XXXX Military Where I earned salary and Made Student loan Payments. When I was injured in the XXXX XXXX  and forced me to be XXXX XXXX then I informed XXXX to exempt me from paying student loan after 10 years payments. After I informed XXXX about my situation as a XXXX XXXX  and asked to exempt as public employee and XXXX XXXX in XXXX XXXX. They ( XXXX ) told me no such case for XXXX XXXX or Government or XXXX XXXX  to exempt from making student loan payment. XXXX sold my loan to different services like XXXX XXXX XXXX and else. Everytime my student loan transferred to different services then I asked them ( AES and else ) to seek for waiver or wipe out my student loan then XXXX XXXX said I have made payments less than 10 years then XXXX  sold my loan to different services. Because XXXX XXXX like XXXX, XXXX and else destroyed my XXXX XXXX, I could not buy transportation or car and buy house to live in for 10 years. 

Now, I wish to seek for full reimbursement of my student loan payments since I borrowed my sisters moneys to assist me while I was serving in XXXX XXXX ( extremely low income and a XXXX XXXX  " Low income '' ). Please help me to get my student loan payment back, so I can repay my sisters moneys that I borrowed from them. 
If you have any questions, please feel free to reach out to me via Email XXXX or XXXX Thank you very much Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation