vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they 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 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.

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly disputed the accounts XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, XXXX XXXX Date Opened : XXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, yet your bureau continues to report them as verified. I have even gone above and beyond by contacting the furnishers of this information directly, as the FCRA provides, and they have failed to respond or provide any proof of the disputed accounts. Your lack of response is unacceptable and I am demanding that you immediately delete this inaccurate and unverifiable information from my consumer file. I have already sent multiple letters and have received no response. Your failure to comply with the FCRA can result in legal action against your company. I have already done everything in my power to resolve this issue, and yet the information still remains on my credit report. I will not allow your company 's negligence to continue to harm my credit score and financial well-being. I demand that you take immediate action and delete the disputed accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX did not freeze my accounts as requested due to fraud and apts and other credit check 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 2024-01-09 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about 50XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. some of them more than once.

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 2024-01-09 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN HONDA FINANCIAL. some of them more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
MOHELA charged me two months worth of payments without a billing statement until XXXX. The billing statement received showed a past due amount and a current due amount although my account was claimed to be in administrative forbearance until the end of XXXX. I received a message that my IBR Application could not be approved due to parent plus loans not being eligible though they could be eligible if they were consolidated. All of my student loans are consolidated and have been since before applying to the SAVE plan. I also do not have Parent Plus loans on my account. The only way to contact MOHELA is via phone number which they do not answer. There is no email or alternative method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against XXXX, XXXX, and Equifax regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by XXXX, XXXX, and Equifax. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that XXXX, XXXX, and Equifax physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that XXXX, XXXX, and Equifax verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from XXXX, XXXX, and Equifax. As stipulated by federal law, I request the completion of the investigation within XXXXhirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against Experian, XXXX, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX, through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by Experian, XXXX, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that Experian, XXXX, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that Experian, XXXX, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from Experian, XXXX, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TN

Complaint narrative:
I was granted debt relief from the XXXX XXXX  effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OR

Complaint narrative:
Received adverse letter. Submitted for copy of credit report as required by law. Each time requested, sent letter saying they didn't receive information. 

I did not authorize this company to provide my information to anyone or any company. 

This company sends our credit report out with erroneous information on it and refuses to provide us a copy of the report. We have no way to review and/or dispute bad information. 

I Uploaded docs verifying my identity and still received the letter saying can not be verified. 60 minute plus hold to speak to this company. 

Went on website and requested again for my credit report, they send email saying request received and nothing. 

This has been ongoing since XX/XX/2023. 

They have to provide a copy of my credit file to allow me the chance to review and correct anything not correct to be in compliance with the Fair Credit Reporting Act. They are not. 

I have been given the run around even after submitting documents as required. 
No other credit bureau requires any documents to request a copy of the credit file that belongs to me. That is my right to receive it. 

I have ever heard of this company until XX/XX/2023 and received an adverse report. 

I want my credit report. The bureaucratic red tape by this conglomerate that holds my personal information is not operating within the guides of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they 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 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.

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 2024-01-09 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: CA

Complaint narrative:
Transunion is violating the following laws : 15 U.S.C. 1681 - Accuracy and fairness of credit reporting 15 US Code 1679 You have the right to dispute inaccurate information on your credit reporting.The credit bureau must remove inaccurate or incomplete information. 

XXXX XXXX XXXX could not validate the debt on my report. https : XXXX/www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations I have written and asked multiple times to Transunion to remove inaccurate information to no avail this has cost me employment and bad credit rating. 

FCRA code 623 ( a ) ( 1 ) ( B ). If a consumer notifies furnisher and disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information.

Transunion is illegally reporting unverified information on credit reports, and will not remove the XXXX XXXX from my credit report. 

15 US Code 1681s-2 A person shall not furnish any information relating to a consumer to a consumer reporting agency if knows or has reasonable cause to believe the information is inaccurate. The debt by XXXX XXXX could not be validated and therefore the information is in fact inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
No knowledge of these hard inquiries, hard inquiries is a result of identity theft and must be removed within 4 business days 15 U.S code 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Credit Bureau Services Association
State: TX

Complaint narrative:
CREDIT BUREAU SERVICE ASSOC ( CBSA ) is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
My student loans were paid in full by the Biden-Harris administration . This still reflects on my credit report as owing. 
Mohela XXXX Department of Education Servicer ) balance forgiven {$98000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I've received a phone call from Chase Dispute Department providing me with an update on the case associated with the charge posted on XX/XX/XXXX with XXXX for amount of {$2500.00}. Representative informed me that the merchant received the inquiry and contesting the dispute, therefore Chase was asking for supporting documentation for further proceedings. I've informed representative that I do in fact have all the supporting information and would like to submit it to Chase and asked for a Claim ID for this case. I was informed about the claim ID and was told to expect a letter from Chase which I need to fill out and submit with the supporting documentation. On XX/XX/XXXX I've received a notification that the letter was generated. I've filled out the form ( copy of it attached ) and included all the supporting documentation relevant to this inquiry which was sent to Chase via Chase XXXX XXXX XXXX on Friday, XX/XX/XXXX. Later afternoon Monday, XX/XX/XXXX I gave a call to Chase Dispute Department to confirm did they receive the documents I've provided them with since the department wasn't available via phone over the weekend. I was informed that the case was closed due not receiving the documents, notwithstanding the fact the deadline for the response was on XX/XX/XXXX.

Company response to consumer: Closed with explanation