vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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:
EXPERIAN continues to knowingly and falsely update and report information it knows to be unverifiable at worst and obsolete at best. Experian stated the account from XXXX XXXX would be removed from my report XX/XX/2024. Proof from Experian 's own record is attached, There is no way this creditor is verifying anything with Experian because it can not verify me when I call them. This account is also NOT reporting to XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. 

Experian is blatantly violating the FCRA at this point and the regulatory agencies including CFPB should be made aware of Experian 's brazen and deliberate disregard for the integrity of its reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
For the last five years you lie and call my complaints duplicates because of your own criminal fraud behavior, ongoing. Please don't lie again and is sad truly sad. 

Now we have phh mortgage with my mortgage and property together on a letter dated XX/XX/year>. Do I deserve an answer since now you can see clearly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX are 100 percent wrong about ownership of my loan and property. Explain why are my loan at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One, accused me of fraud. I opened a Capital One credit card, and didnt have the card long. Next thing I know they accused me of opening another account and owing debit. They tried to say the address of the Capital One that was not my debt was sent to the same address as the one I applied for which was FALSE! I disputed and spoke with them several times and every time the associates would call me a liar and say I indeed opened the card that was owed the debt & was not trying to let me explain. I tried disputing the XXXX and nothing. Capital One said I was not allowed to open more than XXXX dispute. However, I let them be aware that my social security was stolen a few months before and how I temporarily stayed at an address where my social was sent, yet the person at the address was contacted and they claimed they sent my social back to social security and Ive tried talking and calling and they are not willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: GA

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 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 2024-05-13 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: CORELOGIC INC
State: TX

Complaint narrative:
I have an inquiry and I need to remove it since I did not authorize it.day XX/XX/

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 2024-05-13 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: IL

Complaint narrative:
Starting in XXXX i have sent several dispute letters to XXXX with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per XXXX  the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information in 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 2024-05-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
company sent me bills and electronic sign up that i have no idea to whom it belongs, not to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Opened Merrill Lynch online brokage XXXX account through local XXXX  XXXX XXXX referrals a year ago, everything worked well until XX/XX/2024 when I found there are several unauthorized fraud online transfer transactions, called Merrill customer service and reported the issue. 

Merrill customer service rep worked with their fraud department on this issue, they initially said relax it should be protected, it just take time to get the money back since need to work with the other receiving banks. But after 3 months, they now saying the other receiving bank didn't respond, they can't get my money back.

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 2024-05-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX XXXX Credit Bureau has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and Transunion, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of XXXX ( 15 USC chapter 41, subchapter. I 1601 et seq ). 
The following are said accounts:1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, 3YRS 4MOS Age of Account ; 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, 2YRS 5MOS Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, 1YRS 9MOS Age of Account. I have also disputed with XXXX and Transunion the inaccuracy of my personal identification information being reported, after requesting for these to be removed.

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 2024-05-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
I filed dispute charges with sofi bank 130 days ago. I keep getting hung up on and getting no answers from them by email they told me this would take 90 days and noone seems to do their job here

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-14 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: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing emotional distress and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction.

The inaccurate late payments are as follows : XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX  XXXX XXXX days late XXXX  XXXX  XXXX  days late XXXX  XXXX  XXXX  days late XXXX XXXX XXXX days late

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 2024-05-13 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: GA

Complaint narrative:
I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing XXXX XXXX and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : XXXX  XXXX 30 days late XXXX  XXXX  30 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 120 days late XXXX  XXXX 90 days late XXXX  XXXX 90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  60 days late XXXX  XXXX  30 days late XXXX XXXX  30 days late XXXX  XXXX  60 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing XXXX XXXX and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : 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 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
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-13 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: GA

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 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