vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed these accounts with Transunion because the collection agency/creditor were unable to provide the requested information needed for debt validation for these alleged debts. Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for these accounts which is negatively affecting my creditworthiness. Transunion completed their investigation, and the end results were that these accounts were " verified as accurate ''. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Pursuant to the FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion is required to send me documentation of the procedure used within 5 business days of the completed investigation for determining the accuracy and completeness.

*What certified documents were reviewed to conclude your investigation?

* Who did Transunion speak or interview regarding this account - employee name and time?

*What was the date and time of this conversation and how long did the conversation last?

*What number did you call?

*How did you come to this determination that these accounts were " verified as accurate? 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Per the FCRA, you are REQUIRED to provide this information within 15 days or delete the negative accounts from my 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 2024-10-07 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Incorrect demographic information. This is not my information, name is listed on this account is XXXX XXXX XXXX, this is incorrect

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Incorrect demographic information. This is not my information, name is listed on this account is XXXX XXXX XXXX, this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: DC

Complaint narrative:
Incorrect demographic information. This is not my information, name is listed on this account is XXXX XXXX XXXX, this is incorrect

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 2024-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My bank account information and personal ID was shared with Early Warning without my written 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 monetary relief
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX my wife received a call from what was believed to be Chase bank ( which is where we bank ) asking for basic account verification information. At some point, my wife found it odd of some of the questions and hung up. She then called Chase directly to find out that {$9500.00} was being transferred from our savings to checking and the same amount was being wired to XXXX XXXX. NONE of which were authorized by her or myself. We notified Chase that this was not an authorized transaction and that the wire was showing " pending '' status. We were advised to go to local branch in which we did, closed the open accounts and reopened new accounts. Yet, the wire still was withdrawn. Today, is XX/XX/year> and we have been trying to get Chase to recover the money but have not had any resolution. 
What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is an ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans 8-13 years and there is still a large balance. Navient and XXXX were stealing from students trying to better their lives. Predatory loan is an understatement. 

Now this has been proven in a federal court. They should have dismissed my loans according to the ruling. I was told since I made my payments on time I would not get my loans dismissed. I have paid XXXX plus on {$13000.00} of loans. I have been misled and robbed. They claim I still owe XXXX dollars even though the loans were ordered to be dismissed. I believe they made another ruling on this in XX/XX/XXXX. Please advise me of the status and how I can handle this predatory lender. The payments have been mishandled. I would like the loans removed and I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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:
This morning, I discovered unauthorized inquiries on my credit report with no explanation. When I checked my report, I noticed discrepancies out of nowhere. I refreshed my browser, thinking it might have been a glitch, but the unauthorized entries didnt go away. Please review the documents Ive sent immediately to ensure this matter is resolved, so I can stop worrying about these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XX/XX/year> To Capital One Form 1099-C Cancellation of Debt I recently reviewed my credit report and seen that you say I have an account that is listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report because it is considered income and only debt can be reported on my credit report. Your company is trying to collect or having a charged off status.

I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681e ( b ) you are reporting information that's not 100 % accurate. The IRS directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your XXXX XXXX XXXX don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 

Capital One Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-10-07 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: Arivo Acceptance, LLC
State: WV

Complaint narrative:
Back in XXXXXXXX XXXX XXXX I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't 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 2024-10-07 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-07 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account XXXX : XXXX XXXX Account 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
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief