vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/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 2024-07-31 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: DE

Complaint narrative:
This evening, I discovered some inaccurate accounts on my credit report and I have no clue why they are there. I reviewed my credit report as I typically do, but this time there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not resolve the issue. The inaccurate accounts remained even after refreshing the page. Therefore, I request a thorough review of the documents I've sent to prevent any future worries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: DE

Complaint narrative:
Today, I discovered unauthorized inquiries on my credit report, which I can't explain. When I checked my report as usual, I found discrepancies that appeared out of nowhere. I refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries persisted. Therefore, I am asking for a thorough review of the documents I submitted to ensure this doesn't happen again.

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 2024-07-31 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: DE

Complaint narrative:
This evening, I saw some incorrect accounts on my credit report and I'm puzzled about why they're there. I examined my credit report as I normally do, but there were unexpected discrepancies this time. I tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this issue, I am asking for a thorough check of the documents I've submitted so I can avoid this worry in the future.

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 2024-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Aidvantage put me into forbearance due to going to university. I called them and told them don't put me on forbearance, I am on the XXXX program and I pay no interest on this program. Put me back on the XXXX program, I asked. They did not do this and now I have {$1100.00} + of debt added from interest! This is a predatory lender that purposely puts me into forbearance to collect interest I would not have on the XXXX program! When I called them to recify their mistake and waive the interest that is covered under the XXXX since they wrongfully put me into forebearance ; they said they would but they did not! Aidvantage is a predatory lender that is trying to add compound interest to students who make under {$32000.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: LA

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
Consumer complaint received 2024-07-31 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: SC

Complaint narrative:
There are unauthorized inquiries on 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 2024-07-31 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: SC

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 non-monetary relief
Consumer complaint received 2024-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent a dispute to Equifax in reference to unauthorized reporting on my consumer report that included, incomplete account numbers, inaccurate address, and inaccurate information. On XX/XX/year>2024 I received a response via mail that they verified the disputed information. Equifax sent the letter response to the same mailing address. On XX/XX/year>2024, I sent certified mail to Equifax regarding the reinvestigation and procedures that they took to verify that information. Equifax received that letter on XX/XX/scrub>, 2024. Now on XX/XX/scrub>, 2024 Equifax sent me a letter confirming that they received my request concerning inaccurate information on my Equifax credit file. In this letter Equifax claims that don't have the proper documentation to process my dispute. This is a stall tactic from Equifax not to complete and abide by the FCRA, because they only have a 3 days left to be in compliance with the reinvestigation process. Equifax has not sent the itemized request and documentation, a long with measures used in the dispute process. Equifax claims that can't process my dispute because my documents were illegible, in reference to my proof identification. Equifax is using this a stall tactic which is deception because the same identification documents were used to process the initial dispute with no issues. Equifax is causing me severe distress and my anxiety is high, especially knowing that I diligently provided all the necessary documentation and information to process my request within the requested timeframe required by law. Equifax also recently deleted an account from my consumer report between XXXX XXXX,2024 and XX/XX/year>2024. An account that was originally included in my initial dispute. According to law, deletion is admission, therefore proves that there is negligence when it comes reporting inaccurate information, causing harm to my life and other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: SC

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 explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S Code 1681e ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general if, 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 Please removed the following items from my credit report : Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address in incorrect, please remove it from my credit report immediately Account XXXX. XXXX this account is being reported inaccurately. Please remove it from my credit report 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 2024-07-31 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
- I was refunded {$3200.00} for a security deposit paid to XXXX XXXX XXXXXX/XX/year> ( and {$87.00} for the XXXX fee ) - I ended up with a total negative balance of - {$3200.00}. 
- I waited to see if Amex would contact me about this negative balance. 
- After a week, I heard nothing, so I contacted support. 
- I contacted support on XX/XX/year> via chat. The chat agent failed to refund my accounts initially but did succeed to get my authorization to send a wire transfer to my XXXX XXXX  account in the amount of {$3200.00}. 
- On XX/XX/year> I notice a strange charge on my Amex card of {$970.00} which only has a description of " ADJUSTMENT ''. I assume that this is related to the refund I requested and perhaps this is one part of a many part adjustment - On XX/XX/year> I notice another " ADJUSTMENT '' of {$3200.00} and I get concerned. I hope that the earlier adjustment will be automatically reversed. 
- On XX/XX/year> I contact the chat customer service, I ask for an explanation of the adjustment charge of {$970.00}. They say verbatim " Please do not worry this is not a charge on your account. '' " This is just a refund from Amex on your account '' " No, please do not worry this is not something you owe. '' " I assure you that this is just an adjustment like credit. '' - On XX/XX/year> I contact support again since the charge has shown on my statement that I owe {$1000.00}. I receive no explanation. They tell me it will take XXXX weeks to investigate the charge- On XX/XX/year> I contact support again and after an hour of chat messages and being redirected to the supervisor, I have to leave for an appointment and end the chat. 
- I try again on XX/XX/year> They tell me there was a transfer initiated to an account ending in XXXX, AN ACCOUNT WHICH I DO NOT OWN. I HAVE NO ACCOUNTS REGISTERED OR NOT REGISTERED WITH AMEX WITH SUCH A CODE. They tell me that they will try to give me a credit for that amount. 
- I checked back in on XX/XX/XXXX, There is no credit still and they tell me they will try to initiate a transfer again- It is now XX/XX/XXXX, over 2 months from the initial conversation and mistake American Express put a charge of {$970.00} on my account, they tell me this was a refund initiated by an agent via a paper check to an invalid address WHICH I HAVE NEVER EVER AUTHORIZED, they tell me they will investigate the issue for weeks, they tell me they will refund me credit to my account, they do none of it American Express has stolen {$970.00} from me. I will be seeking legal damages after this if I see no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-31 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: GA

Complaint narrative:
I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.

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 2024-07-31 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: GA

Complaint narrative:
I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: GA

Complaint narrative:
I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.

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 2024-07-31 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank 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 non-monetary relief