vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
I was getting ready to move out of my families house to move into my very first apartment and while I was getting things in order last month I decided to check my credit for the first time in a really long time and I noticed that I had a debt collection from XXXX XXXX dating all the way back to XX/XX/ XXXX XXXX  when I don't recall ever having any services or phone lines from XXXX. The collection amount is for {$4300.00}.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-20 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: PR

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card Beyond from XXXXXXXX XXXX XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in Trans Union went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXXXXXX XXXX XXXX which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on Trans Union and 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on 1099C form with IRS, there for is considered income. Income does not report on credit report, and it must be 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 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This Company is trying to collect on bills from a doctor that wrote off these bills. I do not owe anything to this Company. They call using other peoples personal numbers to disguise their identity, and they call at odd hours and on Weekends. I have told them to stop calling me, but they keep harassing me.

Also, the Dr office did not go through my insurance company to negotiate the billing, I have Medicare and it wasnt used for the large billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IN

Complaint narrative:
Equifax has mixed my credit file with my twin sisters '. The following information is incorrectly reported to my credit report Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IN XXXX The XXXX  XXXX XXXX Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me XXXX XXXX  - Acct # XXXX - Does not belong to me XXXX - XXXX Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited my electronic check XX/XX/23 via Chase Banking Mobile app. I was XXXX for one month this check was my XXXX check from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Benefits. Upon uploading the check it was accepted and put on hold for XXXX days. I called Chase to see if the deposit could be expedited. They agreed to assist and then proceeded to inform me that the number on the check is not a verified phone number and they allegedly called multiple phone number for XXXX  XXXX which didnt ring or go through. I find that odd because when I call them it works perfectly fine. They said that the number can only be used with their verification system. I called three more times and was told the same thing they said to call XXXX XXXX and find out if they have another number they can provide to be verified, XXXX XXXX assured me That is the correct number. Now I am left with no funds and Chase is holding about {$3300.00} I feel helpless. 

Chase bank needs to verify, yet they said they can only call using their system and that the check issuer does not have a verified phone number. That is not true!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services - consistently gave inaccurate information about our loan. We received different payoff amounts on different days and on both attempts to pay the loan off we received checks back. The first on a payoff off {$3400.00} we received {$4.00} check back then on another payoff amount of {$800.00} we received a {$790.00} check bank. On the {$790.00} check we waited 2 weeks ( Until XX/XX/XXXX ) to deposit the check - Verified verbally with Toyota financial that the loan had been closed, received multiple letters stating that the loan was paid in full, then on XXXXXXXX XXXX ( XX/XX/XXXX ) Toyota issued a stop payment for the {$790.00} check which they instructed us to deposit and assured us that the loan was paid in full. So a few days before XXXX {$790.00} was pulled from our checking account causing us to cancel some of our XXXX plans to visit family and pick-up last-minute gifts. At no time has Toyota Financial contacted us to admit an error was made on their part prior to pull the {$790.00} back. They have become a Fun dentally dishonest organization with incompetent agents and supervisors that are unable to provide accurate information. Additionally, although the loan was sold with " No Prepayment. '' verbiage the hold extra payments in a no interest earning account an we had to call to get it applied to our loan. Why are these people allowed to do business in California??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: 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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-20 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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received two separate emails congratulating me on my new account with American Express ending in XXXX. While I have an American Express card, I have not applied for a new one. Additionally, my credit is supposed to be frozen for inquiries, so I'm not sure how they could have processed this. 

The very strange part with all of this, is I got the email to both my work email and another email that I use for a company that my husband and I own. Two very separate entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DISCOVER BANK
State: IN

Complaint narrative:
My recent transaction at XXXX XXXX  was declined even though I had enough money at XXXX XXXX.

They "took" my money without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like METRO 2, is crucial. I kindly request that you handle this matter with the utmost care and diligence.

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 2023-12-20 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-12-20 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: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-20 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: NC

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.

has violated my rights. Or a list of inquiries : 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 2023-12-20 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: Nelnet, Inc.
State: NV

Complaint narrative:
FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school

Company response to consumer: Closed with explanation