vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: NM

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 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 2024-10-29 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: EQUIFAX, INC.
State: NM

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 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 explanation
Consumer complaint received 2024-10-29 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: MA

Complaint narrative:
I tried to log onto my Experian account, today XX/XX/2024. Someone has hacked my account, and has changed all information on that account, to their information. I called Experian, and they told me that they would fix it and send me a link to regain control of my account. They did nothing.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported. 

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AZ

Complaint narrative:
Identity Theft! There are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TN

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to address an issue with an overcharge on my Chase credit card account. On XX/XX/year>, I used my Chase credit card to pay a total of {$1500.00} for two XXXX XXXX XXXX XXXX of the XXXX XXXX XXXXXXXX XXXX ) was not working properly, so I disputed the charge of {$740.00}. After over one month, XXXX eventually resolved the issue so I contacted Chase to remove the dispute and I authorized the payment of {$740.00}. 
However, I recently received letters from XXXX stating that the payment for {$740.00} was not received and my account was sent to collections. To avoid collection and a mark on my credit report, I made a second payment of {$740.00} on XX/XX/year>. 
As a result, I have now paid a total of {$2200.00}. The total charge for both phones was {$1500.00} so I essentially overpaid by {$740.00}. I kindly request that Chase credit my account so the total payment out of pocket is {$1500.00}. I've attached XXXX receipt and Chase register with associated payments to XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported.

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: KY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I know was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: FL

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 seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-10-29 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: AZ

Complaint narrative:
I am experiencing an issue with my credit report on Equifax. I had a credit card account with XXXX that was closed in 2023. This account is accurately reported on both XXXX and XXXX, but it is missing from my Equifax credit report.I have contacted XXXX  multiple times, and they confirmed that they report to Equifax, XXXX, and XXXX. I have also successfully updated this information with XXXX. However, despite my efforts to contact Equifax by phone, they keep redirecting me back to XXXXEquifax 's handling of my issue has been inadequate. They failed to investigate the missing information properly and instead directed me back to XXXX, which has already confirmed their reporting process. This inconsistency is negatively affecting my credit profile.I am seeking CFPB 's assistance to ensure that Equifax investigates this matter properly and updates my credit report to include the missing information from XXXX. I want to ensure that all three major credit bureaus reflect consistent information.Not only that, but Equifax is the slowest of the three major credit bureaus in updating its letter reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
On XXXX. XXXX XXXX XXXX XXXX XXXX XXXX sent a garnishment from Speedy Cash employment to my employer XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. For a loan/returned check from XXXX. The statue 0f limitation has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
All qualifying payments have been made & payment is due to me but the servicer ( MOHELA ) is still trying to take payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been diligently applying for apartments but have faced repeated denials due to inconsistencies in my credit report as identified by rental screeners.

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 2024-10-30 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: MI

Complaint narrative:
XXXX XX/XX/year> XXXX XX/XX/year> CAPITAL XXXX XX/XX/year> XXXX XX/XX/year> RESIDENT VERIFY XX/XX/year>

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 2024-10-30 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-10-30 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> I, a consumer placed an application in good faith for {$50000.00} to purchase new car for my family 's personal needs to Chase Bank but credit was not extended to me. I provided my name, social security card number and electronic signature online. I received a notification instantly that my application was not approved. I thought it was a mistake, so I wrote a letter to Chase. In the letter I made sure to inform Chase that I was providing a tender of payment to them that my application was considered a security instrument, since all my private information including my social security card number was provided for this consumer credit transaction. I was told that I was denied credit for several reasons value of vehicle insufficient to relative request, insufficient income, to many request for new credit, and an old bankruptcy filing. The amount of request for new credit has nothing to do with my ability to meet my obligations, especially since I was not extended any credit I was shopping for a new car. None of these reasons are sufficient reasons why I would be denied credit when my social security credit card was used with no benefit to me. This an unauthorized use and access to my credit card. I applied for a new car because my Family needs a reliable car to get to doctors ' appointments, and work. I feel as if I am being treated like a minor or someone underage who is unable to enter into a contract which is discrimination on their part, especially when I made it clear that I was of age and full capacity to contract. When I wrote the company they told me they did not accept security instruments, payment coupons or any documents relating to the Federal Reserves Act. Which I though was strange especially since my application and the loan agreement they would require me to sign would all be considered security instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a XXXX that had a small business in XXXX, XXXX. My business closed at the end of XXXX due to the pandemic. I now require the statements from that account due to being audited by XXXX XXXX. Wells Fargo does not have the ability to send a text message to a XXXX phone number to verify identity. 

On XX/XX/XXXX I was able to speak to someone who was able to send me a code over email. I have since been told that that is impossible and I have been called a liar in not so many words.. I still have the email with the code. I have since made XXXX phone calls and wasted hours of my time trying to get to someone who is able to send a code by email. This has been almost a daily thing in my life over the last month. I have called branches that I dealt with, I have sent emails to people that I dealt with XXXX  years ago and no one has gotten back to me. 

Wells Fargo has made it impossible for me to get the information that I require for the audit.

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