vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint and seek assistance in resolving an issue with my recent consumer report. Upon reviewing my report, I discovered a late payment entry which I believe to be inaccurate. As per my understanding, credit reporting agencies are required to maintain accurate reporting standards. 

Specifically, the late payment in question is listed for ( XX/XX/2024 ). I kindly request that you assist in facilitating a thorough investigation into this matter. If, upon investigation, it is found that there is no verifiable evidence supporting the claim of a late payment, I respectfully ask that you ensure my payment history is updated to reflect that it was paid on time and has never been late. 

I appreciate your attention to this matter and look forward to your assistance in resolving this discrepancy.

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 2024-04-29 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint and seek assistance in resolving an issue with my recent consumer report. Upon reviewing my report, I discovered a late payment entry which I believe to be inaccurate. As per my understanding, credit reporting agencies are required to maintain accurate reporting standards. 

Specifically, the late payment in question is listed for ( XX/XX/2024 ). I kindly request that you assist in facilitating a thorough investigation into this matter. If, upon investigation, it is found that there is no verifiable evidence supporting the claim of a late payment, I respectfully ask that you ensure my payment history is updated to reflect that it was paid on time and has never been late. 

I appreciate your attention to this matter and look forward to your assistance in resolving this discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-29 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: GA

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 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 2024-04-29 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: IL

Complaint narrative:
I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted XXXX and Resurgent Capital service L.P. to let them know that my identity has been stolen and i filed a police report. They are still holding me accountable for the charges and still reporting to my credit report. This is really affecting my credit score. Please have them to stop with the reporting. I file a police report 2 years ago and let XXXX know but they said that the report must specifically state the Creditor names. 
So I have a new police report with names as well. 
RESURGENT CAPITAL SERVICES L.P. for XXXX XXXXXXXX Account XXXXXXXX XXXX for XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I am writing to bring to your attention an issue regarding unauthorized inquiries on my consumer report. Upon reviewing my report, I discovered several inquiries that I did not authorize. Despite my efforts to resolve this matter directly with the company, I have not received a satisfactory response. 

As per my understanding, credit reporting agencies are required to provide accurate information. However, the presence of these unauthorized inquiries on my report suggests otherwise. 

I respectfully request that the Consumer Financial Protection Bureau conduct an investigation into this matter. If, upon completion of your investigation, there is no verifiable evidence that I initiated these inquiries, I request that you take the necessary steps to remove them from my consumer report. 

Thank you for your attention to this important matter. I appreciate your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I am writing to express my deep disappointment regarding the repeated inaccuracies on my credit report, which I have brought to your attention multiple times. Despite my previous disputes under the Fair Credit Reporting Act ( FCRA ), the errors persist, causing undue stress and financial harm. 

I have meticulously documented the discrepancies in my credit report, including [ specific inaccuracies, such as incorrect account information, inaccurate payment history, etc. ]. These errors not only tarnish my creditworthiness but also undermine my ability to access fair financial opportunities. 

As per the FCRA regulations, credit reporting agencies are mandated to ensure the accuracy of consumer credit reports. However, the lack of resolution to my previous disputes indicates a failure to uphold this obligation, leaving me frustrated and disillusioned with the credit reporting process. 

I urge you to promptly investigate and rectify the inaccuracies on my credit report in accordance with the FCRA provisions. I expect a thorough review of the disputed items and timely updates to reflect the accurate information. 

Furthermore, I request that you provide me with written documentation of the actions taken to address my dispute, including any updates or corrections made to my credit report. Transparency and accountability are essential to restoring my confidence in the credit reporting system. 

Failure to resolve this matter satisfactorily will compel me to explore further legal avenues to protect my rights under the FCRA. I trust that you will take swift and decisive action to correct the inaccuracies and prevent similar issues from recurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2024-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment regarding the repeated inaccuracies on my credit report, which I have brought to your attention multiple times. Despite my previous disputes under the Fair Credit Reporting Act ( FCRA ), the errors persist, causing undue stress and financial harm. 

I have meticulously documented the discrepancies in my credit report, including [ specific inaccuracies, such as incorrect account information, inaccurate payment history, etc. ]. These errors not only tarnish my creditworthiness but also undermine my ability to access fair financial opportunities. 

As per the FCRA regulations, credit reporting agencies are mandated to ensure the accuracy of consumer credit reports. However, the lack of resolution to my previous disputes indicates a failure to uphold this obligation, leaving me frustrated and disillusioned with the credit reporting process. 

I urge you to promptly investigate and rectify the inaccuracies on my credit report in accordance with the FCRA provisions. I expect a thorough review of the disputed items and timely updates to reflect the accurate information. 

Furthermore, I request that you provide me with written documentation of the actions taken to address my dispute, including any updates or corrections made to my credit report. Transparency and accountability are essential to restoring my confidence in the credit reporting system. 

Failure to resolve this matter satisfactorily will compel me to explore further legal avenues to protect my rights under the FCRA. I trust that you will take swift and decisive action to correct the inaccuracies and prevent similar issues from recurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2024-04-29 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: LA

Complaint narrative:
ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND EXPERIAN SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.

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 2024-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA

Complaint narrative:
I previously filed a complaint against MOHELA for not informing me of a forbearance until it had ended. MOHELA responded to the complaint and stated I could request a refund. I called them on XX/XX/year> to request the refund and was that request had been made and it would take up to 30 days to receive the funds. On XX/XX/XXXX I contacted them again as the refund never arrived. During that call they stated an accounting investigation needed to be complete to find out why the funds did not arrive and this could take up to 17 business days. On XX/XX/XXXX the refund still hadnt arrived so I contacted them again and was told that there was no record on my account of a refund being requested. The agent stated that she would put in the request and that it could again take up to 30 days for this to arrive. At this point Ive been waiting 2 and half months for a refund to arrive and am being told I will have to wait another month. This of course assumes they actually action it this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
First received a telephone call from XXXX XXXX XXXX stating I as trustee of my XXXX XXXX XXXXamily trust owed them {$190.00}. I told them to send me something in mail and I'd review. They did try to get me to pay over the phone. I refused. 

Just received mail stating I owed {$190.00} to XXXX as debt collector for Citizens Bank NA. I called Citizens and the account referenced in the letter does not exist. I have not paid anything. I'm not aware of anything owed, this trust literally only has an insurance policy in it so it didn't make any sense, given everyone still alive. 

I believe this is fraud attempt to collect a debt that does not exist. When I called Citizens I was told they do not send claims to XXXX. I fear the public will pay and possibly turn over their information to this company. Letters and calls were pretty professional, I'm grateful I did not scan any QR codes, or get on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm Holdings Inc. 

Ran my background and first told me I was denied from using their platform. A firm but I was approved through XXXX  in which Affirm told me I already had an account with them, but they they couldnt verify the information I have since multiple emails over the past eight months and still have a hard time accessing my account. All Communications have been via email And yet I am still being told that I do not have an account when I make payments for multiple items that Ive purchased through this company through their pay process. Im also being told to the information on my account does not match when on the app and in the email it has been confirmed. 
There is no way that I should have access to my XXXX account and my firm account when XXXX  is partnered with affirm. Affirm Still has not provided me with A solution as to how to fix and access my account yet they take my money and Constantly request for my Social Security number. 

Its even a hassle to go through and have the account closed. Affirm has to do better with their their website, their products and even their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My credit card is with XXXX XXXX ( Comenity bank ) My payment was XXXX days late. i.e the received it on XX/XX/year> instead of XX/XX/year>. I was hit with a late fee which I called and they took off. However I was not informed at the time that I will own {$2.00} finance charges on this late fee. Since I did not use this CC I did not check my statements. Now I am hit with {$130.00} late fee and interest stemming from the {$2.00} finance charge. I have called them multiple times asking to take some charge off it without any use. I have paid the full amount now but I want you to intervene and get part or all of this late fee reimbursed. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: GA

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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