vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, Any deviation from these standards could jeopardize the integrity of the data you provide, which is a serious issue. Therefore, I urge you to ensure that all of the information you have provided is accurate and properly formatted. The claims that are noted in your report are disputed and have not been confirmed as facts. I am also requesting that you take care of any false accounts on my credit report and fix this issue as soon as possible, as it could have financial implications for me in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. I demand that only factually accurate, verified, and compliant data is documented in my credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is completely inaccurate. - When I saw this account I noticed right away that the late remark started as late 30 Days right after a good payment. How is that possible? Please remove this inaccurately reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
To Whom It May Concern, Any deviation from these standards could jeopardize the integrity of the data you provide, which is a serious issue. Therefore, I urge you to ensure that all of the information you have provided is accurate and properly formatted. The claims that are noted in your report are disputed and have not been confirmed as facts. I am also requesting that you take care of any false accounts on my credit report and fix this issue as soon as possible, as it could have financial implications for me in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. I demand that only factually accurate, verified, and compliant data is documented in my credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is completely inaccurate. - When I saw this account I noticed right away that the late remark started as late 30 Days right after a good payment. How is that possible? Please remove this inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Account info Account name CREDENCE RESOURCE MANAGE Also known as CREDENCE RESOURCE MANA Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1200.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the inaccurate accounts on my credit report, which I have disputed multiple times without resolution. These errors are severely damaging my credit standing, causing significant hardships and negatively impacting my financial stability. 

Despite my repeated requests for an investigation, I have not received a satisfactory resolution. I kindly request that a thorough investigation into each disputed account be conducted immediately, and that the necessary corrections be made to restore the accuracy of my credit report. 

Your prompt attention and assistance in resolving this matter are crucial for me to regain control over my financial well-being. I sincerely hope this issue can be rectified without further delay. 

Thank you for your time and cooperation. I look forward to your swift 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 2024-09-26 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
The old mortgage company was XXXX XXXX XXXX and out mortgage was sols to RATE MORTAGE. 

It was purchase for the face value and not there trying to get the money for the old company late fees that not right. 

The past late fees should be waived and the montage should stand with a fresh start their just trying to put the squeeze on the little guy. 

i would like some help to take care of this what their doing is wrong and bad business. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Its been like 8 years with capital one I let them know someone used card and did big transactions and it wasnt me they process to say its me and I let them Know immediately when it happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Flight was cancelled had to book later flight that arrived after the rental office was closed. I was informed the keys would be left in the car. ( this was dollar rental and it was after XXXX am ) upon arrival there were no keys in car and they were closed. The next desk over as XXXX and they were still open and I was able to rent from them. when I got home I contacted XXXX ( who is the parent company for most of these rental cos ) and discover ( XXXX XXXX XXXX  ) I had to file a dispute at which I was told I was out of luck. Dont think this is a good business practice since I was there even with a later flight and if not for XXXX me and my family would have had to sleep in the building of the airport. I have all paperwork to back up my story

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MD

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 : sec 602- i have my rights to privacy.

15 U.S. Code 1681s2 -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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
To Whom It May Concern, I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy 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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My dependent had a bank account with Security Service Federal Credit Union ( SSFCU ). We decided to close the account in XX/XX/XXXX. Initially I attempted to close my dependent bank account, but I was advised that my dependent had to be with me. There was a small balance of {$3.00} on the account. On XX/XX/XXXX, my dependent and I went to SSFCU XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX close the account and was told by XXXX XXXX representative that we didn't owe anything on the account the balance was zero. When I inquired about another dilemma this is how I found out that the account was not closed, and the small balance was written off. In XX/XX/XXXX someone hacked my bank account with XXXX and transferred a deposit of {$110.00} to a closed account with Security Service Federal Credit Union XXXX ( XXXX ). I closed my business checking and personal checking accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX sometime in XXXX due to bank fraud. My beginning and ending balances were not balanced properly and it looked as if someone was rolling my transactions backwards in order to steal my money. The description of the transfer is FEE {$3.00} SESFCU XXXX XXXX  XXXX ONLINE EXTERNAL TRNSF. I never had any external accounts connected to XXXX account. My XXXX bank account keeps getting compromised, so I had to close it. What recourse do I have when a hacker continuously commits bank fraud against me, and I file police reports?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This deleted been deleted from my XXXX from my credit report this information is affecting my credit score across all platforms and demand this be deleted on all credit bureaus under ( FCRA ) 15 usc 1681 ( I ). Metro ( E-OSCAR )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
Over the last several years I have requested the payment history for payments that I made towards these federal student loans. I got an email finally just a few days ago, from Mohela that says I have an e-message on my account with the information I requested regarding financial activity. I click on the link they provided in the email, enter my login information, and I'm taken to a web page that tells me I no longer have access to this account. Therefore, I do not have access to whatever attachment with the information I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

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

Wrong Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX, NJ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

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

Charge Off : XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$7700.00} Collection : \ XXXX XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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 remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover pays 5 % cash back on certain quarterly categories and 1 % cash back on " Everything Else ''. For the statement ending XX/XX/year> I had no spending that qualified for the 5 % cash back but did spend {$30.00} during the period that qualified for the 1 % cash back on " Everything Else ''. 

The issue is that the calculation is incorrect. I only earned XXXX cents on the {$30.00} of eligible expenses when that number should have been XXXX cents ( rounded ). 

Although this is not monumental in money to me, this has been going on for months. To my knowledge, I've noticed the issue in XXXX. This is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

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 2024-09-26 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized inquiry that appears on my Experian credit report. Specifically, XXXX XXXX XXXX XXXX made an inquiry on XX/XX/year>, which I did not authorize. 

I have already written on XX/XX/year> to Experian regarding this issue, but I have yet to receive a response or confirmation that the matter is being addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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