vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: PA

Complaint narrative:
XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: HI

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
This is the saga of XXXX XXXX XXXX XXXX and yes Citi you WILL respond to this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
XXXX ) EDFinancial has inaccurately provided information to consumer credit bureaus ; My EDFinancial loans were transferred to another company in XX/XX/2023, yet EDFiancial is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with EDFinancial. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) XXXX - I filed a dispute with XXXX. After XXXX days, XXXX responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. XXXX did absolutely nothing to resolve this dispute. As a paying consumer for XXXX, I deserve better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 XXXX681 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I pulled my credit report and Paragon was listed in collections. I have never received anything from them about a debt, and I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Fraud on my XXXX card. Funds were used but not by me. Money Network denied my fraud claim. Ive sent emails and made phone calls since XX/XX/2023. They didnt respond. On one phone call I was told Id been denied. I submitted a complaint to XXXX. No response. Im out {$350.00} and dont know any way to rectify this loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World finance at XXXX XXXX XXXX, XXXX Texas XXXX. I have a small personal loan with them and they call me three and four times a day. I looked it up and they are supposed to only call me seven times in a consecutive seven day period, at this point it is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: SC

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have transferred {$6000.00} from my XXXX account to my Chime account. Once the transfer was completed Chime sent an email stating that my account has been locked and they needed information submitted to unlock my account. Already knowing due to the amount they would need this information I was already prepared to send over appropriate documents. I got no response and reached out after the first few hours. Member service states they dont have access to view the issue at hand and that all correspondences for my issue needed to be done via email. This has been ongoing since XX/XX/XXXX in which Chime continued to send the SAME emails over requesting for a valid ID, some type of POR, and my bank statements from XXXX for the last 3 months and include to the statement showing the transfer of {$6000.00}. I complied with all request for these said documents, and still have no success in getting assistance with access to my account. The only other email I received was stating that my documents were not valid with no additional information as to why, and to contact member service over the phone. I went ahead and contacted member service again over the phone and they said once again that they do not have access and that I would need to continue corresponding with their back office team via email. I advised the agent then that I have been working on this since XX/XX/XXXX with no success corresponding with her back office team as they keep sending the same email over and over again. I went ahead and also advised the agent that they are requesting a statement for account ending in XXXX and MY account with XXXX ends with XXXX in which they can see on the documents I uploaded if they were reviewing properly. I had another agent that stated because I was sending a PDF form of my ID this was invalid and that I needed to send a picture of my ID. I advised that the email specifically states that all forms need to be in a certain form which PDF was included. All in all Ive been given the runaround with no resolution XXXX has also attempted to pull the transfer with no success. Ive also reached out to their fraud team and advised what was going on with Chime, and was pretty much advised to reach out to the FDIC in regards to this since no success on their end pulling back the transfer. Chime said they do not have any supervisors that they report to so they are unable to escalate my calls. When I do reach out Ive reached out on all social media platforms as well!!! Chimes XXXX team has been the only time Ive received an immediate response via email, but then they turn around and start sending the same email requesting for the same documents that I sent over and over again since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with XXXX but not late with Transunion and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on XXXX but none with Transunion which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with XXXX but not late with XXXX and Equifax XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on XXXX but none with XXXX which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: NJ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has inaccurately provided information to consumer credit bureaus ; My XXXX  loans were transferred to another company in XX/XX/2023, yet XXXX is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with XXXX. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) Experian - I filed a dispute with Experian. After XXXX days, Experian responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. Experian did absolutely nothing to resolve this dispute. As a paying consumer for Experian, I deserve better than this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., XXXX, XXXX, TransUnion ] XXXX I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

XXXX. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief