vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got a student loan from Discover bank in XXXX. I can not find the original promissory note. Although I have an account with them online, there is no promissory note there either. This loan originated in either XXXX or XXXX in the amount of {$6800.00}. My payments to date total {$8500.00}. Discover says I still owe {$4000.00} and have 48 payments left. The math does not add up. How can I possibly still owe {$4000.00} on a XXXX loan having already made over {$8000.00} in payments. And without a promissory note, I have no idea to reference the original terms of the loan. I have requested XXXX. I have not received XXXX. I find it hard to believe that a loan for such a small amount would have a maturity date of XX/XX/XXXX as they claim. That is a 20 year gap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
Under the stipulations of 15 US CODE 1681i ( B ) ( iii ), it is mandated that Consumer reporting agencies ( namely XXXX, XXXX, and Equifax ) are required to furnish a written notification to a Consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of information on Record. This includes providing the name and address of any information provider contacted with their contact number. Way and excessively over 30 days ago, I solicited documentation to substantiate this account, yet I have not received such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
I started sending Disputes to the Credit Agencies in XXXX of XXXX. 
Each time after notifying them that there is information needing to be fixed. Either no response was given, or a generic letter asking to confirm my identity was sent to which I responded again with the same letter and was met with the same response. I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. 
Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. I only approved Credit inquiries from XXXX XXXX XXXX and XXXX XXXX ( NOT AUTO ) Late payments should be removed based on 15 U.S. CODE 1666b Charge-offs should be removed based on 15 U.S. CODE 1601 Repossessions under 15 U.S. CODE 1601 Collections that can not be verified Please remove everything I have listed above as the information provided in my report is inaccurate and goes against my right to privacy and fair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and DELETE the listed ITEMS below. 

XXXX XXXX XXXXXXXX XXXX- this accoun was DELETED FROM the other bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Per the FCRA As a Federally protected Consumer I am opting out of any and all Authorizations I the consumer may have given you written or unwritten, verbal or non verbal per 15 usc 6802.

Furthermore You are reporting a Charge-off on my consumer report which is a certificate of Indebtedness, which means it is income and income can not be reported on a consumers report. Please send me a check for the amount that was charged off.

furthermore You are in violation of the the privacy act of XXXX, and you are in violation of 15 U.S. Code 1681i - Procedu
re in case of disputed accuracy ( 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. 

A copy of this report will be filed with the secretary of state and the FTC as well.

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 2024-03-19 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: TN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-03-19 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
I went into XXXX with my drivers license and requested a contract along with previous bills the agent couldnt verify that information only thing he could see was an internet account was opened in my name and the bills were going to an address I never reside at! He recommended I dispute this inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CREDIT REPORTING RESOURCE GUIDE : In compliance with FCRA section 611 ( a ) ( 5 ) ( D ), the consumer credit reporting industry maintains an automated dispute resolution system. This system, called e-OSCAR, is available for use by all data furnishers. 
XXXX, XXXX and Transunion all use E-Oscar, The data furnisher researches the disputed account and transmits a response back to the originating consumer reporting agency via e-OSCAR. XXXX and XXXX deleted the XXXX XXXX XXXX. # XXXX XXXX, # XXXX # XXXX. 
TransUnion refuses to even though they have received notification. They should all ues the same codes Compliance Condition Code XB, XXXX XXXX used ( Account Status Code 97 on time barred loans. If the lender reported Account Status Code t Status Code 97 ( charge-off ) during the period that it held the loan, the tradeline should be deleted by reporting Account Status Code DA. 

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ] was amended by the Economic Growth, Regulatory Relief, and Consumer Protection Act ( EGRRCPA ) to provide that, a consumer may request a lender to remove from a consumer report a reported default regarding a private student loan, and such information shall not be considered inaccurate, if the lender chooses to offer a private student loan rehabilitation program that meets the requirements of section 623 ( a ) ( 1 ). The term default as used in EGRRCPA is not a defined term for purposes of private student loans, but the student loan industry generally regards loans that are either in collections ( Account Status Code 93 ) or charged off ( Account Status Code 97 ) as being in default. If the information is modified or delete the information is modified or deleted, e-OSCAR automatically sends a response to the originating consumer d, e-OSCAR automatically sends a response to the originating consumer reporting agency and sends carbon copies to any other consumer reporting agencies with which the data furnishers registration is active in e-OSCAR. XXXX XXXX notified the data furnisher via e-OSCAR of any account modifications or deletions as a result of the dispute reinvestigation.. 
If the co-signer of the private student loan is released from further liability on the loan, report ECOA Code T ( Terminated ) for the co-signer and discontinue reporting the co-signer going forward. 
Consumer Information Indicator Base Segment Field XXXX XXXX and XXXX Segments Field 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
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
This is to express my deep dissatisfaction with the inefficiency and lack of effectiveness in addressing the presence of fraudulent items. Despite numerous attempts on my part to remove these items, I have encountered significant delays and obstacles, which are unacceptable given the severity of the issue. 

As a responsible user, I have invested considerable time and effort in flagging these fraudulent items, expecting a swift and decisive response from your team. 

I demand immediate and expedited action to remove all fraudulent items from my credit file. This includes implementing more robust measures to prevent their reoccurrence in the future. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent its recurrence. 

Furthermore, I urge you to review your current procedures for handling reports of fraudulent activity and streamline the process to ensure that such matters are dealt with promptly and effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} 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 non-monetary relief
Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name Date of requests ) + Options XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.

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 2024-03-19 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:
Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 


Experian : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not 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 non-monetary relief
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to 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 2024-03-19 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: CA

Complaint narrative:
I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Today ( XX/XX/2024 ) at XXXX I received 10 notifications and emails detailing numerous attempts ( some successful ) of someone in XXXX PA at an ATM at XXXX XXXX XXXX to withdraw various amounts of money from my cash app card. They managed to successfully withdraw {$200.00} and {$100.00}. They did not stop trying and continued attempting until it was no money left with attempts of {$300.00}, {$66.00}, {$60.00}, {$26.00}, {$20.00}, {$10000.00}. These were all attempted at times ranging from XXXX while I am laying on the couch with my wife and daughter after work. I live in XXXX Maryland, and work in XXXX Maryland. I can provide proof of my location, Im sure by just tracking where Ive been using my phone. My apartment building also has security cameras that will verify the time I arrived at home. Cash app began to block three of the transactions above because the suspected fraud and that these were unauthorized charges. They were, but it was too late as they already stole {$300.00} dollars which was to be used for my phone bill and rent. I am extremely disturbed and distraught, I have my wallet with my cash app card. I have my phone. I did use my cash app card today ( which is rare to use it besides sending money ), but I used XXXX XXXX. I dont know where else to turn or if Cash App will even help me get my money back. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found some items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report. Immediately : 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 non-monetary relief
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 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