vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp
State: NC

Complaint narrative:
I recently received inaccurate background information from your company regarding a tenant screening. After disputing this information, I was informed that it was " verified '' through an online portal accessible to the public. However, this information is both outdated and incorrect.

I requested C

iC verify the accuracy of this information and provide a detailed description of the procedure used to determine its accuracy and completeness. Including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. Despite my request, your company has informed me that no further investigation will be conducted on this matter. I urge you to reconsider and conduct a thorough review to resolve this dispute appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-21 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: NJ

Complaint narrative:
Trans Union has refused to investigate items disputed with identity theft as far back as XX/XX/year>. I have requested the Method of Verification by written correspondence repeatedly and have been stonewalled or simply ignored. At this point they have caused significant damage to my credit standing by not complying with the FCRA section 605b by not blocking all items associated with identity the theft after reporting it properly to the authorities. Also, under section 15, U.S.C. 1681n of the Fair Credit Reporting Act, they have committed willful non-compliance.

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 2024-10-21 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: GA

Complaint narrative:
This is to inform you of the inaccurate information thats being reported on my credit report. These inaccurate addresses and names on my report is damaging my financial situation. Please remove immediately.

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 2024-10-21 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX - Account Number : Unknown - Date of Charge Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter. 

Company reported their investigation was in progress XX/XX/XXXX ; on today, XX/XX/XXXX they still have not responded or completed their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, a collection account with Convergent Outsourcing was opened, referencing a debt originally owed to XXXX XXXX. The account was fully paid and closed as of XX/XX/XXXX, yet it is still being reported on my credit report, which is unfairly impacting my credit score. 

I never had a direct contract with Convergent Outsourcing, and there was no agreement made between myself and the debt collection company. Despite the account showing as paid and closed, it continues to appear on my credit report, which is inaccurate and harmful. 

I have taken the following actions : Paid the balance in full as of XX/XX/XXXX. 
Verified the status with XXXX XXXX that the debt was resolved. 
I am requesting that the Convergent Outsourcing account be removed from my credit report as I never directly contracted with them, and the debt is fully resolved. 

Please take immediate action to have this account removed from my credit file, as the continued reporting is damaging my credit unfairly. ( Account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: FL

Complaint narrative:
I JUST CHECKED MY CREDIT REPORT FOR TH E FIRST TIME AND NOTICED THERE ARE UNAUTHORIZED INQUIRIES ON MY REPORT MY SOCIAL MUST HAVE BEEN USED IN THE LEAK OF THE DATA BREACH - 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 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 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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
There was nothing stipulated about them determining the eligibility of overdraft. Then denied me usage of overdraft. I contacted them and was told that they will allow and it didnt work. Contacted them ang and was denied for no reason but their own discretion! There was nothing stated that they can do that in the agreement I read previous to opening the account! I think that is wrong to make customer believe that they offer something without any concern or denial. Then say they have the right to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: VA

Complaint narrative:
I am redisputing several accounts that were not properly investigated, as the previous investigations failed to provide accurate and complete results. Additionally, there are unauthorized inquiries on my credit report that I did not approve. These inquiries and accounts are negatively impacting my credit score, and I request a thorough reinvestigation of both the disputed accounts and unauthorized inquiries to ensure accurate reporting

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX, I received information from a friend that a coworker was selling a Off-road recreational vehicle. After messaging with the " seller '', we agreed upon a {$1800.00} refundable deposit via XXXX to hold the vehicle until my husband and I could go look at it. Within XXXX minutes, another co-worker informed us that the co-worker was hacked and she was not the person everyone was talking to... I reached out to the " seller '' and asked for my money back and they blocked me. I reached out to PNC bank and they stated that they could not stop a XXXX transaction but to call after XXXX hours and they would help me file a fraud claim with PNC. I also went directly to the local police station on XXXX and filed a police report. The next day ( XXXX ), I filed the fraud claim with PNC in XXXX XXXX. After three days, I received a denial from PNC stating that I authorized the XXXX payment and my claim was denied. I then went to PNC bank in XXXX XXXX and the bank manager assisted me in uploading documentation and file another fraud claim for me. On XX/XX/XXXX, I received a second letter stating PNC denied my fraud claim. I do not understand how this is not covered by PNC fraud insurance. They have the name and the phone number of the person who received the money through PNC XXXX banking app. and PNC stands behind XXXX as a verified company to transfer monies for their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly. 

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXX was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX. Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a thousand dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score. 

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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 XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NV

Complaint narrative:
I received notification that I was part of the XXXX XXXX XXXXXXXX XXXX  and that my XXXX XXXX loans would be forgiven. Despite receiving the email from the department of education in XX/XX/XXXX, my loans have not been discharged force, which has forced me to start repaying on loans that I should not have to pay.

I submitted another CFPB complaint back in XX/XX/XXXX and the company has repeatedly refused to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The collection agency has engaged in false and misleading practices. Violating FDCPA 807 and providing misleading forms violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Harris & Harris are sending me letters saying I owe money on a vehicle that I never own. 
Reference # XXXX

Company response to consumer: Closed with explanation