vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
XX/XX/year> My name is XXXX XXXX owner of Cleaning and XXXX XXXX XXXX XXXX, XXXX XXXX This is my fourth Complaint to Equifax, commercial Solutions Im reporting Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  This complaint is in reference to my Business credit file. 

Im requesting Consumer Financial Protection Bureau an urgent investigation to Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  for solution. 

Equifax has not provided the requested letter Equifax explanation lacked, Equifax has not shown the requested proof uncomplying Referring to account number XXXX deleted from my Business credit file, Equifax has not mailed me To my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted. to Cleaning and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Therefore XXXX requesting through Consumer Financial Protection Bureau to Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA to provide me with letter of account number XXXX deleted from my Business Credit File without delay Equifax has failed to provide me with my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted and has failed to provide me with deletion letter As Equifax claimed on companys response to Consumer Financial Protection Bureau dated XX/XX/year> See attached Neglecting same and misleading the Consumer Financial Protection Bureau office Without showing prove of account number XXXX deleted Im informing to Consumer Financial Protection Bureau through this complaint Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA for lying to consumer There I no need to delay and take more time to this complaint and to provide me with The requested material on timely manner I look forward for your cooperation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.

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 2024-05-04 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up to Complaint # XXXX, filed on XX/XX/year>, which disputed the accuracy of the information in my TransUnion credit report about the following accounts : XXXX XXXX, XXXX XXXX & XXXX XXXX. TransUnion responded to my complaint by asserting that they had verified these accounts as mine and subsequently declined to remove these accounts from my credit report. However, they failed to provide any supporting documentation, specifically an original contract bearing my wet-ink signature, as required by FCRA regulations XXXX TransUnion 's failure to furnish the documentation raises serious concerns regarding the validity of its verification process. In light of this, I am demanding TransUnion provide detailed information regarding the verification of these accounts, including but not limited to : 1 ) Copies of any documents utilized for verification, such as contracts or applications, containing my signature. Documentation of any communication attempts with me regarding the account, such as phone calls or emails. 2 ) Identification of the individual who verified the account : Please provide the name, title, and department of the TransUnion employee who reviewed and confirmed the account 's accuracy with an attestation letter ... Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), if TransUnion can not provide the required documentation mandated by law, I demand that they promptly delete these above-mentioned accounts from my credit report. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance with FCRA regulations. Your intervention is crucial in safeguarding consumers ' rights and holding TransUnion accountable for their failure to provide proper verification methods.

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 2024-05-04 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: PA

Complaint narrative:
account under XXXX XXXX  was to be removed as of XX/XX/2024 all along due to first dt of delinquency is past 7 years and the repossession has not been removed

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
account under XXXX XXXX  was to be removed as of XX/XX/year> all along due to first dt of delinquency is past 7 years and the repossession has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: CORELOGIC INC
State: TX

Complaint narrative:
XX/XX/year> I mailed Credco a letter to remove information from my consumer report. XX/XX/year> Credco responded by saying there was not enough information submitted to dispute my consumer report. I mailed them 3 forms of identity to validate it was I who sent this letter. I believe they want to delay the process of removing inaccuracies from my report and waste my resources because the letter was very clear of its intent.

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 2024-05-04 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:
This is the second time that I'm reaching out to TransUnion, XXXX and XXXX about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.

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 2024-05-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is the second time that I'm reaching out to XXXX, Equifax and XXXX about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: IL

Complaint narrative:
I am writing to file a formal complaint for violation of XXXX XXXX XXXX XXXX. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation. 

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of XXXX XXXX Code XXXX - Procedure in case of disputed accuracy. 

The XXXX XXXX XXXX has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you XXXX be held liable under XXXX XXXX. XXXX validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: FL

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. 

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 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 non-monetary relief
Consumer complaint received 2024-05-05 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: FL

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.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: TX

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.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: VA

Complaint narrative:
This is the second time that I am reaching out to XXXX XXXX and Experian about fixing my personal information because this information was an accurate it is affecting my credit score.

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 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
Navient is a predatory lender. I was scammed into taking out loans with Sallie Mae now Navient to attend the art institute of California XXXX XXXX from XXXX to XXXX. XXXX and sallie Mae/Navient preyed on student that didnt know any better. The debt that Navient put myself and other students in was intentional on their part, they knew we would never be able to pay it back. Navient never would offer any kind income based repayment plans until they got in trouble recently and then they forgave loans only for people who were NOT paying on there loans. The people who were paying their loans got nothing. During recruitment at school I was told my loans would be about {$300.00} a month. But when I started having to pay them they were {$1200.00} a month. {$1200.00} a mo for a freshly graduated college student that cant get a job in the field of study because the school is a joke. I paid {$1200.00} a month from XXXX to XXXX and no dent has been made on paying it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC
State: TX

Complaint narrative:
XXXX XXXX XXXX received a garnishment letter from Michael J Adam 's PC to take XXXX dollars out of my Savings account for a dept I Have no ideal about. Nothing here in XXXX XXXX is on file for court they gave me the firm number on file XXXX no one answer or return calls I have called over XXXX times this Michael J Adam 's is doing this to alot of people just look at the reviews XXXX XXXX XXXX can't tell me nothing I don't know what's going on I can't talk to no one my money is gone this is all I have is a fake number XX/XX/year> XXXX XXXX XXXX will turn over the money to them I took the rest of my money out my account XXXX XXXX gave me this information to contact yall please help me I needed that money

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I finished their credit program. They kept billing me for 3 years after when I wasn't using the card. Now they say it's maxed out. They did not improve my credit score. I don't understand what I've done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have direct deposit from Social Security every month, of the XXXX of the month and it has always been available within XXXX hours. Yet for the past 2 months ( XXXX and XXXX ), Wells Fargo has NOT been clearing the deposit right away. 
In XX/XX/year>, I went to the local branch of Wells Fargo, in XXXX, to find out WHY my direct deposit was NOT readily available like it had been in the past on the day of the deposit. I couldnt get a straight answer from them. ALL i was told was that Wells fargo implemented a new policy of " early payday '' for companies. I asked why is should that affect my direct deposit. they couldnt give me answer... 
So, I wrote to the corporate office of Wells fargo. In XXXX, my social Security direct deposit wasnt available till XX/XX/year>! WHY??? 


" Dear XXXX XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. 

We appreciate you taking the time to bring your concerns and feedback regarding your experience to our attention. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and delivering the most professional and efficient service we know our customers deserve, so it is difficult to learn we may not have met those expectations in this instance. Please know your comments are truly appreciated, as they are critical to our continued growth and improvement. 

Our records show your social security XXXX has been deposited within the first XXXX says of the month since the beginning of the 2024 calendar year. 

Case status We have closed the case as of the date of this letter :. ". This was their reply ... NO REAL ANSWER as to why my Government direct deposit was NOT being available the same day, as it had been in the past.. THIS IS ALL so frustrating! I want to change banks due to all this frustration and Lack of Professionalism on their behalf.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is the second time that I am reaching out to TransUnion XXXX and XXXX about fixing my personal information because this information was an accurate it is affecting my credit score.

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 2024-05-04 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: VA

Complaint narrative:
This is the second time that I am reaching out to XXXX Equifax and XXXX about fixing my personal information because this information was an accurate it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. The account they are reporting does not belong to me. I have no knowledge of it and they are refusing to provide documentation verifying this account. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation