vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MT

Complaint narrative:
my XXXX XXXX went down XXXX points because my report is still showing a large balance owed to US Bank... why do charges almost immediately appear on my credit report, when my balance goes up... but payoffs take weeks to report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
I opened my Credit Fresh account while I was living in XXXX XX/XX/XXXX. I moved from XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX Credit Fresh does not operate in XXXX  . My signed agreement states " If you are no longer a resident of the state in which your Account was originated, we may terminate this Agreement. '' I have submitted my new driver 's license with my correct address via online portal 3 different times, with the most recent upload being in XX/XX/XXXX. I have requested several times that Credit Fresh update my account to reflect the correct address but the company refuses to update it. Each time I call the Credit Fresh customer service line, I am told the request was submitted to Compliance and it would take 3-5 business days for Compliance to reach back to me and update the account. I have called Credit Fresh 4 times since XX/XX/XXXX and each time I am being told by the customer service representative I would get a call back by the end of the business day & if I do not receive a call, I would need to call back the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called Discover on XX/XX/year> at XXXX and spoke with a representative named XXXX XXXX I told him that I don't recall having a debt with the company and asked if he could verify the alleged debt, they say I owe. He told me that I wasn't speaking to someone in the correct department. So, he proceeded to transferred me to the customer service agreements department and I spoke with a representative named XXXX. I told her that I wasn't aware of this alleged debt and asked her if she can send me verification of the alleged debt, and she told me she couldn't do that. She asked if I wanted to speak with someone from the security team, and I told her sure. She then proceeded to transfer me to the charge verification security department, and I spoke to a representative named XXXX. I asked XXXX the same question, can she send me verification of the alleged debt in question. And I couldn't get the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Checking ... XXXX Such a mess of debits I can't trace a single contingent charge to the account. 


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 2024-09-26 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

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 2024-09-26 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: FL

Complaint narrative:
I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. 1/2 of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

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 2024-09-26 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: MS

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XX/XX/XXXXspecifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-26 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified multiple inaccuracies with the reporting of this bankruptcy entry. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score and personal finances. Below, I outline the discrepancies : XXXX XXXX Standards Violations : Incorrect Date of Bankruptcy Filing : The bankruptcy reporting contains an incorrect or outdated filing date, which does not align with XXXX XXXX standards for accuracy. 
Improper Classification of Account : The bankruptcy may have been improperly coded or classified under the wrong category, making it non-compliant with the strict XXXX XXXX guidelines for reporting public records. 
Inconsistent XXXX XXXX XXXX : The bankruptcy information is not uniformly reported across all major credit bureaus, which violates XXXX XXXX guidelines that ensure consistency and accuracy in credit reporting. 
XXXX or XXXX XXXX XXXX XXXX : There is insufficient documentation to support the continued listing of this bankruptcy. Under XXXX XXXX, all public records must include verifiable information directly from court records. 
As required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report. 

Legal Basis : Under the FCRA ( 15 U.S. Code 1681i ), the credit bureau has a duty to : Investigate and remove inaccurate information within 30 days. 
Delete unverifiable information. 
Notify me of the results of the investigation. 
Since the bankruptcy entry violates XXXX XXXX compliance standards and fails to meet FCRA accuracy requirements, I am requesting the immediate deletion of this entry. If you are unable to verify the accuracy of the information within the XXXX window, this account must be removed. I expect a prompt investigation into this matter, and I request that you notify me of the results within the legally mandated time frame. I request that you remove it from my report without delay. 
Failure to take timely action will result in further complaints and if necessary, legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-26 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NJ

Complaint narrative:
, I am deeply concerned that I have not received the required Personal Financial Privacy Policy Notices and annual opt-out statements under the GLB ACT & NEW JERSEY DATA PRIVACY NOTICE under the NJDPA in WRITING as mandated by the GLBA & NJDPA.These notices are crucial to ensuring that consumers like myself are informed about how our financial information is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information. 

I Request for Compliance and Remedial Action : I demand that these CONSUMER REPORTING AGENCIES take the following actions : 1.Provide me with the PROOF Personal Financial Privacy Policy Notices and annual opt-out statements & NEW JERSEY DATA PRIVACY NOTICES was mailed or delivered as required under the GLBA and NJDPA. 

2.Conduct an immediate review of your privacy notice dissemination practices to ensure full compliance with federal and state laws moving forward. 

Violation of the New Jersey Data Privacy Act ( NJDPA ) : In addition to the GLBA violation, These CONSUMER REPORTING AGENCIES has failed to comply with several provisions under the NJDPA, which grants consumers specific rights to their personal data, including : .The right to confirm whether personal data is processed. 

.The right to access, correct inaccuracies, and delete personal data. 

.The right to opt-out of the processing of personal data for targeted advertising or sale. 

These CONSUMER REPORTING AGENCIES failure to provide these rights and the required privacy data notices constitutes a violation of the NJDPA. Furthermore, XXXX XXXX TRANSUNION has allowed unauthorized third-party financial institutions access to my personal and financial information, including sharing details from my consumer report without my consent, in direct violation of the NJDPAs prohibition on processing sensitive data, such as financial accounts information including my XXXX XXXX XXXX account without consent, If this matter is not promptly resolved, I will have no choice but to escalate this dispute by filing a formal complaint with the appropriate regulatory authorities and pursuing legal action if necessary.

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