vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, My Dispute involves a Negative comment reporting on my credit report for the last 16 Years that I would like removed. 

In XXXX my Husband and I filled Bankruptcy. The Bankruptcy was discharged that same Year. We had a mortgage with XXXX XXXX XXXX and loan and we wanted to keep our home so we " Reaffirmed '' the debt ''. 

The loan was paid in Full and closed in XXXX of XXXX. The concern is that XXXX XXXX continues to report that the mortgage debt was " reaffirmed ''. It has been over 16 years and this negative comment is adversely affecting my credit score. EQUIFAX is showing a low FICO score and indicating a bankruptcy is affecting my score, however the Bankruptcy in and of itself is NOT showing on my credit report just the " REAFFIRMATION '' of the debt. I have asked " XXXX '' to remove the comment and they are indicating the it is Equifax 's responsibility to remove Negative comments after 7 years. It has been 16 years of reporting this negative comment. Please help. 

Equifax says that XXXX XXXX is responsible for moving this comment and " XXXX '' insists that Equifax remove the comment. This back and forth has been ongoing for the past 6 months - The comment gets removed, then gets put right back on. This is affecting my credit score. 

I need this comment removed as it gives the impression that bankruptcy has been filed recently, and again negatively affects my Fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: TX

Complaint narrative:
I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$10000.00}, is closed and was settled, and taxes was paid via the attached 1099-C for XXXX. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerly, 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 2023-12-21 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:
Re : Identity Theft Dispute and Failure to Acknowledge Accounts Dear Consumer Financial Protection Bureau, I XXXX XXXX am writing you to file a complaint against TransUnion and XXXX for their failure to acknowledge and address the identity theft accounts that I reported multiple times. Despite providing an Identity Theft Report and the necessary documents, the following accounts have not been acknowledged or investigated by the credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts were included in the disputes I submitted dating back as far as XXXX of this year. This puts them well outside of their XXXX threshold. I have sent the Identity Theft Report and supporting documentation multiple times, and it is deeply concerning that TransUnion and XXXX have failed to acknowledge these disputes or initiate an investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i, I request that any account listed on my credit profile due to this identity theft inquiry be immediately removed while under investigation by your company. It is crucial for my financial well-being that these inaccuracies are rectified promptly.

Furthermore, I would like to bring to your attention that, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four days from the receipt of this affidavit to resolve this matter. I expect a thorough investigation and resolution of the identity theft accounts within this timeframe.

Enclosed with this letter are copies of all relevant documents, including : Identity Theft Report Dispute letters submitted to TransUnion and XXXX Proof of delivery and acknowledgment ( if available ) I appreciate the Consumer Financial Protection Bureau 's intervention in this matter and request that you investigate and ensure compliance with federal regulations. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX Please see attachments below

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 2023-12-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I ordered a replacement card on XX/XX/23. I received an email on the XXXX stating that the card had shipped and I would receive it in 3-5 business days. I had not received it by the following week and spoke to a rep who stated that I would receive it by the XXXX. It hadn't arrived. I spoke to another rep who stated that I would receive it by the XXXX. I explained that I desperately needed the funds on my account before then and requested that they perform a bank to bank transfer. They claimed that was impossible. The XXXX came and I still haven't received my card. They stated that they would expedite a new card and I would receive it on the XXXX through XXXX. XXXX doesn't deliver on XXXX XXXX. Their incompetent staff officially ruined my holiday.

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 2023-12-21 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The Navy Federal Credit Union ( NFCU ) mortgage department made an escrow adjustment and transferred the credit to my savings account. Then the mortgage department attempted to apply the adjustment as a payment and before they could, the NFCU Charge Off Department XXXX  my savings account out due to a past due closed debt. I was reassured multiple times by the mortgage department that escrow are protected funds and that they could not be touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There were fraudulent charges on my checking account from XXXX, {$460.00} for a hotel in XXXX. I reported it. Chase bank said they were look into it. They sighted with XXXX based on false information. They have not proved that I booked that hotel, or I were present in the hotel. there has been online fraud scams on the internet. There have been fraudulent charges from Chase before. Chase has been secretly stealing money from my checking account. Please Help Me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
Dear LexisNexis & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER. This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. I even verified myself before and I have full evidence of Consumer Report showing my number. I believe LexisNexis made a error and contacted CFPB claiming to reach me when i was the one to make BOUND calls to LexisNexis. This is unfair and causing me to pay monthly for a auto loan that my private seller ( XXXX XXXX ) can not cash because XXXX & LEXISNEXIS are not doing there correct part at ALL First the problem was being unable to verify my number, now because of this incident XXXX XXXX left note saying Not to call my number according to XXXX fraud department Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. XXXX the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
I took a loan from XXXX back in XXXX to pay some bills and such. The amount was {$500.00}. Halfway through the loan they stopped and did not allow me to use the loan that I was entitled on using. So the loan went into payment mode. So I have a loan that I barely used and was not allow to utilize and started paying for the loan as agreed. XXXX reported my account to the credit bureaus and that resulted in my XXXX XXXX to decrease. The loan was paid on time and again on XX/XX/XXXX my account was reported as delinquent and my XXXX XXXX decreased by XXXX points. The reason is unknown. This is the worst company that I have ever dealt with.

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