vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$49000.00}.

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 2024-02-03 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they 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 explanation
Consumer complaint received 2024-02-03 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: WI

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. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: WI

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. 

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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am contacting you to lodge a formal complaint against Chase Bank concerning the handling of my business account for XXXX XXXX XXXX ( XXXX : XXXX, Account Number : XXXX ), under my name, XXXX XXXX. I established this account at a Chase branch in XXXX XXXX, California, in XX/XX/XXXX. After some time, Chase closed my account, leaving an outstanding balance of {$90000.00} USD. 

In XX/XX/XXXX, I reached out to Chase to address this issue, requesting the issuance of a check for the remaining balance. Contrarily, Chase refused to issue the check. Instead, they demanded that my clients, who had made their payments via bank transfers a significant time ago, should confirm through their banking systems that the transactions to Chase were processed without any issues. This demand is not only excessively redundant but also entirely unreasonable. My clients are uncertain about how to proceed with such a confirmation, especially considering that their respective banks have already indicated that the funds were transferred to Chase without any disputes, implying that the transactions were completed as intended. 

It is unreasonable for Chase to impose the responsibility of verifying transaction validity on my clients and me, especially when the transactions have already been finalized and acknowledged by the sending banks. I urge Chase to conduct their own verification of the transactions ' legitimacy and eliminate these unnecessary procedures by issuing me a check for the remaining balance. 

I request the assistance of the Consumer Financial Protection Bureau in resolving this issue promptly. The demands made by Chase are causing undue delays and hindering my access to funds that rightfully belong to me. A swift resolution to this problem, including the issuance of a check without imposing further unreasonable requirements on my clients or me, would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
The Navient account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. Navient has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MN

Complaint narrative:
CFPB Writeup : 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, Transunion, and XXXX to reinvestigate these accounts : 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 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 2024-02-03 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: MN

Complaint narrative:
CFPB Writeup : 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 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 2024-02-03 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: VA

Complaint narrative:
" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, XXXX, Transunion, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.

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 2024-02-03 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: VA

Complaint narrative:
" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, Equifax, XXXX, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: LA

Complaint narrative:
Inquiries were noticed on my credit profile when I was checking my 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am sending this to formally dispute the charge-off account listed on my credit report. The account in question is associated withXXXX  XXXX XXXX XXXX Balance : {$0.00} and it has a detrimental impact on my credit profile. Upon reviewing my records, I have identified discrepancies in the reporting of this charge-off, and I believe it is reported inaccurately. I hereby request a thorough investigation into the matter and request the deletion of this charge-off account from my credit report if inaccuracies are found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I have disputed these inaccurate items. My information was misused and now I have some false not 100 % accurate items on my credit report. Unauthorized use of my credit 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 non-monetary relief
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On numerous occasions, I have instructed Experian to make sure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX all honor my opt out request Pursuant to 15 UCC 6802 but Experian just keeps on replying, saying that they will no longer look into this dispute because the company verified information. I never asked for verification of anything. I am demanding to opt out the sharing of my personal information with third-party credit bureaus. Credit bureaus are not directly affiliated with either of these companies, therefore my rights are being violated, and Experian needs to be held accountable for the violation of my rights under the UCC code.

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 2024-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I'm XXXX I paid my mortgage and it reflected as processed. Then this month I see it's 32 days behind but it showed pay all month. Thus kind of behavior affects credit scores and I feel like something really shady I'd going on. If it's not paid it should reflect that. Any glitches or software errors are their problem not mine. I paid my mortgage but I wasn't late. I paid the remainder of what it said but the problem is I wasn't late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX and Experian continue to report information they know to be inaccurate. The letter of credit that id deposited into the bank is what grants this credit line therefore I am entitled to equitable relief that should settle any balances due if not the profits should be turned over to me as the registered security is in my name and the credit line has been terminated. Therefore XXXX XXXX XXXX XXXX is knowingly furnishing deceptive information to Experian and the alleged investigation Experian says they conducted has to be incorrect because the bank ledger should read the credit for which my letter credit was accepted and deposited.

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 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: UT

Complaint narrative:
My loans are serviced through MOHELA. For the past month their website/server has not been working. I am unable to access my accounts to make changes and view balance, status, etc. since their website isnt working, I cant find any other contact information. I am completely unable to do anything related to my loan, including adjust my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I have disputed these inaccurate items. My information was misused and now I have some false not 100 % accurate items on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding and XXXX continues to report information they know is incorrect. LVNV Funding was transferred the contract which does not give them full rights furthermore the contract is the security that is being sued in this credit arrangement which entitles me to equitable relief since it is traded for profit. LVNV Funding cnnpt produce the ORIGINAL contract or collateral security because they are not entitled to any of it's profits and holding the security without a meeting of the minds violated my contracting right in commerce. Is LVNV Funding forcing performance? LVNV Funding is selling this alleged information to XXXX and they are reporting the information to damage my consumer report. All of this is done for profit which makes their investigation biased as they have monetary gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I looked at my report back in XX/XX/2021 and noticed some things that were reporting incorrectly. I sent multiple letters to TransUnion asking them to validate these accounts ( XXXX XXXX XXXX #, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX ) and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : 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 2024-02-03 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: NY

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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