vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved.

Initial attempt to open the account was made, but I encountered an issue with the process.

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently.

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable.

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.

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 explanation
Consumer complaint received 2023-12-01 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights. 

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

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible. 

XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX NAVY FCU Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life 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 I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

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 2023-12-01 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: MO

Complaint narrative:
I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXXXXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.

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 2023-12-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: MO

Complaint narrative:
I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXXXXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.

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 2023-12-01 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: TX

Complaint narrative:
I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to Experian, XXXX and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.

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 2023-12-01 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: TX

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated.

Followed up to inquire about the progress and was informed that the issue was being escalated for resolution.

Received notification of an investigation but no tangible progress in removing the fraudulent items.

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal. 

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  XXXXXXXX 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 2023-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
On XX/XX/23 I received a missed payment on a loan I paid XX/XX/23. I reached out and received several conflicting answers now they are saying even though I paid on the due date they applied that payment towards my XXXX payment and my XXXX payment is still owed. I want the loan to reflect the payment I made for the month I made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to view my report on line so i can dispute online, and i have never been able to get my report online, it's ridiculous. EVER! They always have some kind of excuse. The system is down call back in an hour, this excuse was given on XX/XX/23. I called and talked to someone and requested a new password and i got it, and it still didn't work. I tried the, " forgot password '' online and it asks me my security question and i answer it and it still states, " we are unable to provide the information you are requesting ''. 
Years, years... I have tried to review my report online with them and i have never had the trouble i have with transunion with either of the other credit bureaus. I want to dispute online an i want to see my info online. I do not want a mailed report! This is the XXXX  century! I do not want to dispute in writing!

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 2023-12-01 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: AZ

Complaint narrative:
On XXXX XXXX I pulled my credit report from XXXX and transunion and XXXX and noticed that the balance of my car loan with XXXX XXXX  had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of 2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current 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 2023-12-01 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: AZ

Complaint narrative:
On XXXX XXXX I pulled my credit report from experian and XXXX and equifax and noticed that the balance of my car loan with arrivo acceptance had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX  I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with arrivo acceptance and a copy of my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: WA

Complaint narrative:
I have been receiving a bank statement from XXXX  XXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re

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 2023-12-01 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: WA

Complaint narrative:
I have been receiving a bank statement from XXXX  XXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: WA

Complaint narrative:
I have been receiving a bank statement from XXXX XXXXXXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re

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 2023-12-01 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 explanation