vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: SC

Complaint narrative:
I have messaged the bank Juno about not being able to access funds at all. Their response is their parent bank XXXX XXXX  and trust is having issues where they arent allowing any money in or out of their banking platforms. At this point all I want is a paper check for the full amount that is in my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX ( Account number unknown ), XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than XXXX years. 15 USC 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 2024-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I checked my credit report on Equifax and noticed my identity was stolen. Someone opened an XXXX XXXX credit card under my name as a secondary user with a false address. credit card limit of {$29000.00} and charges made of {$7100.00}. credit card was opened XX/XX/XXXX and still open. as well as a soft inquiry made on XX/XX/XXXX to XXXX In which was not me. I called Equifax that same day to report this fraudulent matter. i was told to mail a disputed letter along with copies of my social security, drivers license, police report, FTC report, bank statement and my electric utility bill. i made multiple calls to Equifax to find out if they received my certified mailed information. all agent representatives told me nothing arrived. However, I payed for this important information to be certified mailed and signed for upon delivery. my information Is lost. on XX/XX/XXXX I spoke with an Equifax representative named XXXX she confirmed the XXXX XXXX credit card and XXXX soft inquiry on my credit history along with the fradulent residential mailing address. she helped me and provided me with the credit card account number to provide to the XXXX XXXX Fraud department. on XX/XX/XXXX i recieved a letter from Equifax that my information does not exist. it is still on my credit history. and to provide them with more documention that was already sent to them. this is very distressing. I am being given the run around. my identity has been stolen for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: TX

Complaint narrative:
In XXXX after I had to pay a much larger tax bill than I was prepared for i had asked to extend my loan by 1 month so I could recoup and pay. CarMax Auto financing told me I wasn't eligible, so I had asked the if there was anything that could be done to help my situation. After a long hold the representative came back and told me her manager had agreed I could do a partial payment of half then the next half would be added on and for my XXXX bill to be paid in full. I agreed. Payed the half when on XX/XX/XXXX paid the other half plus my XXXX responsibilities. On XXXX the XXXX my credit and my co-signers credit gets hit over XXXX points for delinquent payments. Even though I was paid in full by the XXXX. 31 days after my XXXX due date. When I called Carmax to see why that happened they refused to acknowledge the agreement they had entered into verbally with me and told me they reported me on may 1st 18 days after my due date and 6 days afte4 my partial payment. Now my wife and I have a huge black mark against our credit and carmax refuses to allow me access to the recored conversation to prove I was coherenced into that situation under the thought I was being helped with my difficult financial situation. Instead they used it as an opportunity to collect money that was tough to come by that month, then sent me to the credit Beauro well before 30 days. I attempted to pay on the XXXX my due date but it was Sunday and mother 's day so no ACH would be processed that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-17 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-17 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Credit Management has a collection account on my credit report in the amount of {$740.00} I do not owe this company ( Midland Credit Management XXXX any amount of money, as I have never signed a contractual agreement with Midland Credit Management. 

I have disputed this on my credit report and it has not been removed. 

This credit account needs to be completely removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XXXX called XXXX XXXX XXXX XXXX XXXX c/o University Accounting Service , LLC UAS for forbearance, but took them two months to tell me I was out of obtaining a forbearance, On XX/XX/2023 I called and the representative said if I paid {$720.00} that the late fees and interest would be waived for the last six months. This was a false statement. Each call or email I got a different response : Can you please fill out the attached form for the following dates and make sure to inform it is a payment plan. 
Please write Request for Payment Plan and the amount you can pay. 
Also attach any documents supporting your income such as most recent W-2 or paystub and/or letter of appeal. 
Once its completed, please e-mail it back to XXXX and allow 10-14 business days to process. On XXXX I had not heard from you for over a month and thought my daughter XXXX finally took the responsibility of the loan. How much has XXXX paid of her loan and have you been in contact with her? 
I received a letter yesterday saying you have tried to contact me. What date, time, did you call the landline XXXX number or cell? Did you leave a voice mail or what happened? 
Again I was trying to pay but your options were not the best. 
You emailed the Payment Plan, but it was not what I expected. How did you come up with {$190.00}? I thought it would be 50 % less or about {$120.00} or {$50.00}. This is only for six months and then goes back to probably more than I was paying since interest accrues at a high % rate. What are other options?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Because of the annual XXXX, in order to make money, I went to collect tickets, sell them to others, earn the difference, may have been using XXXX, and then my account was closed, I used Chase for many years, I like this bank very much, I only use this bank, I was inexplicably closed, I hope to re-open the bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX, IN XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Account # XXXX Navy Federal Credit Union : XX/XX/24, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXX XXXX XXXX XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please help me! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-05-17 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: RI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.

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 2024-05-17 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: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I have submitted multiple complaint and dispute letters regarding inaccurate information on my credit report. It is both ridiculous and frustrating that these issues persist. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to promptly investigate and remove all inaccurate information. I demand immediate action to address these errors. Attached are copies of the letters I have previously sent as proof of my efforts.

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 2024-05-17 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: TX

Complaint narrative:
I have submitted multiple complaint and dispute letters regarding inaccurate information on my credit report. It is both ridiculous and frustrating that these issues persist. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to promptly investigate and remove all inaccurate information. I demand immediate action to address these errors. Attached are copies of the letters I have previously sent as proof of my efforts.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to States Recovery System. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing States Recovery and disputing for months with the three credit bureaus XXXX, XXXX and XXXX, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with States Recovery System. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.

Company response to consumer: Closed with non-monetary relief