vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have noticed that the information on my credit report is incorrect so I contacted Experian, XXXX and XXXX multiple times to make corrections but to no avail and it is affecting me badly. I had my credit report analyzed and the result from the analysis shows that Experian, XXXX and XXXX are reporting differently on specific accounts which goes against the Fair Credit Report Act. ( uploaded copy of proof of analysis from XXXX XXXX XXXX  ) I spoke to XXXX concerning a loan to fund my business, and they told me that I needed a credit score of 600 and up plus all necessary business documentations in order to secure {$70000.00} ( XXXX XXXX dollars ) for my business so I submitted all necessary documents granting permission to run my credit which I knew was over 611 at the time ; XX/XX/2022. 

XXXX refused to loan the {$70.00} because Experian reported to them that my score was XXXX instead XXXX so I reached out to Experian to ask them why they are reporting XXXX instead of XXXX and I didn't get an answer or resolution. 


Just two days ago, on the XXXX of XXXX I was denied another loan by XXXX because Experian misinformed XXXX too and told me my score is XXXX instead of XXXX. 

I have never conducted business with the following negative accounts on my record namely, XXXX. XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX and have reported this to Experian multiple times but to no avail. 


I signed up for Experian boost by connecting my bank account in order to boost my score as I pay my bill on time. The bank account I connected to was opened about 4 years ago and Experian boost has access to all that information including my latest balance yet I never got a boost till date but instead Experian boost pulled up a non existing XXXX XXXX  phone records to qualify me for a boost which will be impossible because I do not live in XXXX but New York for the past 10 years. I called in to alert them of the situation but it is still the same and I do not know why.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

Sincerely,

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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
In the last 2-3 years, I have on numerous occasions clicked on applications for car loans, home mortgages and credit cards through Credit Karma when informed that I was pre-approved or had excellent approval odds, but was ultimately DENIED. My XXXX and XXXX credit scores have been devastatingly been affected. As a mother of XXXX, who has been working so hard to improve their credit, in an attempt to purchase my first home for my children, purchase a bigger vehicle or obtain a credit card without restrictions and larger credit limit or benefits, it is the ultimate let down to have your hopes up not only to be continuesly denied but for your credit score to drop in the 400 's and create hard and soft pulls on my credit. This is misleading and they should stop creating unnecessary stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on 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 explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: OH

Complaint narrative:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX  acct XXXX this account shows as late 30 days then charge off in XX/XX/2016 and again charge off in XXXX XXXX once a company charges off a account they can not continue to state it is being charged off again. there is 3 negative portions to this account that is against me. please remove this account from my credit report or i will pursue legal action against this company for still damaging my 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my XXXX  app, powered by experian, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.

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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For years, I have been paying child support on a biweekly basis. NEVER late since it is deducted from my paycheck every 2 weeks. Why is it being reported as being late. I have tried 4 time to report this to EXPERIAN at no avail. Why do they hold consumers down? My scores on the other bureaus are over XXXX. My guess, they work along Mortgage banks to keep scores down, so lenders can increase interest rates on borrowers. XXXX XXXX, will NOT considered the other Credit Bureaus when extending loans. FOLKS, I AM AHEAD OF THE PAYMENTS, CHILD SUPPORT OWNS ME {$520.00} DOLLARS. SEE ATTACHED FILED.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Transunion. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Transunion, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My Transunion consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship. Transunion is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my chase app, powered by XXXX, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : PXXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below .I demand the following accounts be verified or removed immediately : Account Name : XXXX  ( Original Creditor : 08 XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To : Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C . {$16000.00}, every single one even each any or all of the unproven, non-compliant, Incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be negated in its entirety or the alleged accounts are to be completely deleted. 
The Following derogatory account allegation are either UNTRUE, UNVERIFLED, OR INCORRECT, or otherwise not proven compliant to regulatory federal reporting laws and or standards and MUST be removed immediately the Infraction are as follows : Account Name : XXXX XXXX Account # XXXX Late Payment : I am demanding that this account be updated to paid as agreed and never late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance Implemented with the CRSA enacted CDIA METRO 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from 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 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I did not ask for a same day payment, and Ally Bank did not give me a notice that they were going to charge me a fee. I sent them proof showing the screen that I was given and the choice I made to make a next day payment. They did not read the proof and sent me a standard letter saying they had done this correctly, but they did not do it correctly. They have a glitch in their system, because it usually flags me when I am going to make a same day payment and it shows the fee. It did not do that this time. I was not informed of the fee until after I made the payment, and I tried to cancel but they would not allow me to cancel. I tried online and I also immediately called them. You can see by the attached screenshot that I selected the NEXT day, the XXXX, not the 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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX is furnishing private, non public information on my consumer reports. According to the XXXX XXXX XXXX XXXX, financial institutions are required to provide consumers privacy when it comes to their non-public accounts. Disclosures to consumers should be given to consumers to provide the option to opt-out of reporting to non-affilated third-party agencies. I have never been provided the option to out. I demand the deletion of this account from all reports as I wish to opt-out of any further reporting of this account. Please see the attached documents. 
The amount being disputed is {$2500.00}

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX XXXX acct XXXX i looked up my credit and saw that this account shows 73 negative remarks and still reports as charge off every month. through the fair credit act this company continues to violate my consumer rights by sharing this information without my written consent. this account was closed in 2016 and i believe this is still being reported as it were active. i would like {$1000.00} per violation and have this removed off my credit report as well.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 
{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and helping this matter. 
Sincerely

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