vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are inaccurate late payment remarks on my accounts even though I have never been late for them. Please check the documents I've sent regarding these inaccuracies.

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 2024-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year XXXX to XXXX. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.

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 2024-12-06 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: NV

Complaint narrative:
I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year XXXX to XXXX. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.

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 2024-12-06 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year XXXX to XXXX. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting 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 non-monetary relief
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within 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 2024-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
This is an account that was listed as a charge off/ as bad debt profit loss. There was no 1099-c sent for this being a charge of. A few months later company fraudulently reopened account for double the amount and has it listed as in collections and adding a late fee monthly for past XXXX & XXXX years. Originally the account was closed and charged off XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to my mailbox today and found that Capital One sent me a letter dated XX/XX/year> informing me that both my credit card accounts were closed. I called them and spoke with a supervisor named XXXX who stated I had XXXX returned payments within a year. I told her that is impossible. I asked her if both cards have these returned payments? She said, no. Just my XXXX card. She and I went through the bank statements for the XXXX card because she said I had a return payment in XXXX, XXXX, XXXX and XXXX. We looked at XXXX and she said there was a {$25.00} payment returned. This was an automatic payment where Capital One continually kept on my account, even when I contacted them several times to remove it because they would hold my payments for weeks and I told them I would rather pay myself. So for XXXX I made a payment of {$390.00}, and because they kept the automatic payment on that {$25.00} is counting towards the XXXX returned payments. For XXXX my payment was for {$4.00} was paid on time. She stated it was not but the bank statement shows I paid my balance twice in one month. I paid {$340.00} and a payment of {$170.00}. I found this to be true for XXXX as well. Also I found they still repeatedly kept the automatic recurring payment after multiple phone calls to customer service to take it off. This allowed them to double -dip continually. So I was making payments and they were still automatically taking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am writing to demand the immediate deletion of the XXXX XXXXXXXX XXXX XXXX account ( Account XXXX : XXXX ) from my credit report. According to your records, this account is listed as charged off, with an amount of {$470.00} written off and {$530.00} past due as of XX/XX/year>. 

Under 15 U.S.C. 1681e, the Fair Credit Reporting Act ( FCRA ) mandates that all information reported to consumer credit files must be accurate, complete, and verifiable. Additionally, 15 U.S.C. 1681i requires that when a consumer disputes an item on their credit report, the credit reporting agency must investigate the dispute and correct or delete any inaccurate or unverifiable information within 30 days. If you can not provide documentation verifying the charge-off and past-due amounts, you are legally obligated to delete this account.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement procedures to ensure maximum possible accuracy. I dispute the accuracy of this account and demand a full investigation. 

If you can not validate this information, I demand immediate deletion of the XXXX XXXX XXXX XXXX  account from my credit report. Failure to resolve this dispute within the 30-day statutory period will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the state attorney generals office for failure to comply with the FCRA.

Please send me written confirmation of your actions regarding this matter within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under laws 15 USC 1681 XXXX XXXX CITADELFCU XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally lodge a complaint regarding inaccuracies on my Transunion credit report. Upon recent review, I discovered several discrepancies that do not accurately reflect my financial history. I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) 15 USC 1681 s ( 2 ) and 15 USC 1681i ( a ) ( 5 ).

According to 15USC 1681 5 they are supposed to do this ( 5 ) Treatment if inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information which has been modified or deleted from the file of the consumer.

According to 15 USC 1681s ( 2 ) - They are not supposed to furnish any information relating to a consumer to ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE!

Violation of 15 USC 1681e ( b ) This provision requires consumer reporting agencies to ensure maximum possible accuracy in credit reports. The inaccurate information on my report indicates that these agencies may not be fulfilling this obligation, and the errors in my credit report are materially affecting my creditworthiness.

Violation of 15 USC 1681i ( a ) ( 5 ) Under this statute, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my efforts to dispute the inaccuracies, the information has not been appropriately corrected, reflecting potential non-compliance with the required investigation and correction processes.

These inaccuracies have not only caused confusion but have also had a negative impact on my credit score and potential creditworthiness. I am requesting that the CFPB investigate this matter and require the reporting agencies to take appropriate corrective actions, ensuring full compliance with the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX 1934 XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Trying to transfer crypto from binance.us to XXXX  and it says my account is locked. I can access my account and see my balances of various cryptos so its not completely locked. Looking on XXXX they have done this to lots of people with limited response for months, if not forever. I need to be able to access my crypto right away due to the market volatility... There is no phone number to call...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was opened without my knowledge or consent. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that this fraudulent account be removed from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/year> - {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was opened without my knowledge or consent. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that this fraudulent account be removed from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/year> - {$19000.00}

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 2024-12-06 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: GA

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 2024-12-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-06 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: VA

Complaint narrative:
Please update my account and credit score. This account shouldn't have been removed. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

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 2024-12-06 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation