vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: CA

Complaint narrative:
In XXXX I settled for less on an account and for XXXX they marked a delinquency for the account it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Southwest Credit Systems placed a debt on my credit. 

They placed this on my credit bureau reports concerning charter communications for {$110.00}. 

I have never entered into contract with either company. I have been with XXXX XXXX XXXX  since XX/XX/year>. 

I returned all equipment back to XXXX when I terminated business with them in XX/XX/year>. The last account I had with XXXX XXXX was a XXXX XXXX internet account in XX/XX/year>. My last payment to this account was made XX/XX/year> and all equipment to the old location at the counter on XXXX XXXX XXXX to XXXX XXXX. 

XXXX XXXX was more interested in speaking to her co-workers at the time with a lobby full of customers than she was in properly returning my equipment and providing me with a receipt for the return of modems. She had an extremely XXXX attitude throughout our entire process and scoffed at me when I asked for a receipt of the returned equipment and a XXXX balance statement on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
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 2024-05-30 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: IL

Complaint narrative:
I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's 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 explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
XXXX, Equifax, and XXXX all have XXXXXXXX XXXX account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX, and Experian all have XXXXXXXX XXXX account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.

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 2024-05-30 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: TX

Complaint narrative:
I submitted a complaint on XX/XX/year> with this company. The CFPB site show the status as Open and company response " still working on issue ''. Yet, the company sent me an email XX/XX/year> notifying me the investigation was completed with XXXX changes to the personal information. I provide proof of address and Driver 's License. 

Did the company really investigate? 
Is the company truly working on the investigation as if now? CFPB reflect yes but the email I received say investigation is completed.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: MD

Complaint narrative:
Blinc Loans is a predatory loan that has been consistently reporting my loan late on my credit report for 18 months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for 18 months. This company consistently denies my request to close the loan. This has been going on for almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: OR

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 2024-05-30 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: IL

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
Unauthorized inquiries appear 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 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Fairway Independent Mortgage Corporation
State: MO

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, XXXX ID : XXXX, who represents Fairway Independent Mortgage Corporation, regarding unprofessional and misleading conduct during my recent mortgage loan application process. 

Details of the Incident : Misleading Claim : XXXX XXXX initially assured me that there would be no 1 % origination fee for an XXXX loan. However, after consulting with his superiors, he did not inform me that the fee would not be waived. Instead, I discovered this fee through the loan disclosures. 
Lack of Communication : XXXX XXXX failed to contact me regarding the 1 % origination fee decision by his superiors and proceeded with the loan process without my consent. 
Unprofessional Behavior : Upon discussing the origination fee with XXXX XXXX, he became upset and defensive, suggesting that I would regret leaving him if I chose another lender. 
Hostility Towards Shopping Around : XXXX XXXX expressed frustration and stated that he is done working with clients who shop around, indicating a lack of professionalism and customer service. 
Credit Card Charges : After indicating my intention not to proceed with him, XXXX XXXX insisted on charging my credit card for a credit check and safety inspection upfront. He repeatedly insisted that I provide my credit card information, despite my refusal. He stated he would charge me at the time of the inspection and credit check, which had not yet occurred. 
Persistence Despite Refusal : When I disagreed and indicated multiple times that I was not interested in continuing business with him, XXXX XXXX persistently refused to take no for an answer, continuing to press the issue and raise his voice. He ultimately said that he was happy I was firing him so that he did not have to fire me, in a sarcastic and unprofessional manner. 
Summary of Issues : Misleading and inaccurate information regarding loan fees. 
Failure to communicate changes in loan terms. 
Unprofessional and hostile behavior towards clients. 
Attempts to charge fees without consent. 
Persistent and unwelcome behavior after refusal to continue business. 
I request that your office investigate this matter and take appropriate action to address my concerns. Additionally, I would appreciate a written response outlining the steps that will be taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the morning of XX/XX/year> I was getting gas at a local gas station and used my Chase XXXX XXXXXXXX card. Later on the same day, I received a text from the Chase XXXX department notifying me of an attempted purchase at XXXX XXXX in the amount of {$2400.00}. I was driving at the time I saw the text and was only able to read the first portion which stated that if I were to respond " Yes '' that I would not be charged for the purchase. I responded yes and then put my phone down. A few minutes later I looked at the text again and realized that I responded incorrectly. The rest of the text indicated that the purchase would go through if another attempt was made. The other option was to respond " No '' if I was not the person making the purchase. Once I realized I sent the wrong response, I texted back " no '' and proceeded to call the Chase XXXX department. The operator who I spoke to told me that I would not be charged for the purchase and that my mistake would not make me liable. I locked that card and reported it as stolen. 
About a month and a half later, Chase notified me that because of my original response to the text message, I am liable for the purchase. I then called Chase again, and was told that there would be a " one time exception '' made because I misread the text and that I would not be held responsible for the charge. 
I twas contacted by Chase again the same day and was told that they could not make any exception to the purchase because there is not proof that it I did not have the card in my possession. I was advised to submit a police report with my local police department and reopen my case with Chase XXXX -- this is exactly what I did. Chase has since put the charge on my card, over drafting my account by over {$2000.00}. This caused my XXXX XXXX to drop over XXXX points and they have not yet gave me a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I had attended XXXX XXXX XXXX XXXX XXXX ) and was forced into taking out a personal loan to pay a portion of my balance. The loan was disbursed for {$2000.00} beginning in XXXX with Navient. On XX/XX/XXXX the Department of Education announced a group discharge, that all loans would be discharged for any attendee of XXXX XXXX schools. My private loan is paid off and I would like to be refunded for all monies paid towards this loan as it has been deemed that XXXX XXXX had engaged in widespread and pervasive misrepresentations. I have been informed that Navient has been providing students with a Misconduct School Discharge application to be reviewed for potential discharge of private loans disbursed for fraudulent schools. I would like the same opportunity to receive a refund for the monies I have paid out for this fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
As per FCRA 605B, any incorrect accounts should be removed from my credit report. Could you please review the documents? Some listed accounts have inaccuracies, such as incorrect amounts and dates.

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 2024-05-30 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: FL

Complaint narrative:
Please delete these inquiries. I am not aware of them, and the company made them without my permission.

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 2024-05-30 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: FL

Complaint narrative:
Kindly eliminate these inquiries. I have no information about them, and they were made by the company without my consent.

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 2024-05-30 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: FL

Complaint narrative:
It appears that FCRA 605B obliges us to remove inaccurate accounts from my credit report. Can you please look over the documents? There are discrepancies in the listed accounts, including wrong amounts and dates.

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