vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: TX

Complaint narrative:
They keep lowering my credit limit on one card and other card no problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NY

Complaint narrative:
I was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.

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 2024-03-29 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 2024-03-29 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-29 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: LA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i contacted transunion about XXXX hard inquiries due to identity fraud last year dates as follows : XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX says that this account has been closed but the account has also been turned over to a company called XXXX XXXX XXXX and they say there is nothing they can do about it ) XX/XX/23 XXXX XXXXXXXX XXXX XX/XX/23 XXXX  XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has gone out of business and has turned the account over to another company who says they cant do anything about it and that i dont have an account with them ) i called the companies and they said that all the accounts have been sucessfully closed but i still see them on my credit report as hard inquiries. they said it was under investigation i want the hard inquiries 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 explanation
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded 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 2024-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
Instructions given to the indenture trustee WILMINGTON TRUST , NATIONAL ASSOCIATION regarding account XXXX for XXXX XXXX XXXX has not been executed.

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 2024-03-29 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: NJ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Certain listed accounts are not accurately reported.

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 2024-03-29 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: NJ

Complaint narrative:
I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXXXXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NJ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Certain listed accounts are not accurately reported.

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 2024-03-29 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
18 USC 1028A is a federal statute in the United States known as the " Aggravated Identity Theft '' law. This law makes it a crime to knowingly transfer, possess, or use another person 's identification or means of identification during or in relation to certain felonies, including any violation of federal immigration law, or any act punishable under specified sections related to terrorism, espionage, or domestic violence. The penalties for violating 18 USC 1028A are severe, with mandatory additional prison time imposed on top of the sentence for the underlying felony. It's an important law aimed at combating identity theft and related crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IN

Complaint narrative:
I purchased a home using XXXX XXXX XXXX XXXX, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day XXXX they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was XXXX difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to XXXX XXXX XXXX during this time, and they charged property preservation fees, property inspection fees, XXXX XXXX fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a 1099-C saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and XXXX XXXX, were well aware of my XXXX XXXX by me informing them with my orders to XXXX XXXX status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
I purchased a home using Veterans United Home Loans, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day XXXX they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was XXXX difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to XXXX XXXX XXXX during this time, and they charged property preservation fees, property inspection fees, XXXX XXXX fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a XXXX saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and XXXX XXXX, were well aware of my XXXX XXXX by me informing them with my orders to XXXX XXXX status.

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 2024-03-29 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: CA

Complaint narrative:
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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : 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 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 fumish 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2024-03-29 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:
The information being reported to The credit bureaus is incorrect and invalid. I am requesting this item to be deleted. It is not valid on my credit report. Numerous incorrect items are being reported on my credit report. I am not liable for this debt, and it is hindering my daily life. XXXX XXXX XXXX XXXX I do not recognize how this information is being reported to my credit report. I do not recognize the date the account was opened, the date last reported, the date last active, or the date of the last payment. Everything being reported does not meet the FCRA. This is not in compliance with the 15 USC 1696g Validation of Debt. This item being reported to my credit file is incorrect and is hindering me from my daily life. If this were an accurate account it would be reported correctly across all three credit bureaus. Upon this, I am not liable for this debt, and it needs to be removed from my credit file I am not liable for this debt. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
One day a few years ago I was at a restaurant and Chase put a block on my account. They then closed my account without telling me why they closed my account. In XXXX of 2023, I paid {$250.00} for a settlement at the XXXX XXXX Ohio branch. I opened a account again at the Chase location and they sent my debit card and everything, However when I was in XXXX, FL the next week. Chase closed my account again. I never done anything bad with chase and I wanted to open a business account for my restaurant as well and Chase is telling me that I can't get another account with them but no on will tell me why. Chase is sending me emails of credit updates but will not let me log into the account but my information is in their system. I am wanting to speak to an executive or someone to see how to I can get my account back or another account along with opening a business account for my restaurant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NJ

Complaint narrative:
I discovered many unauthorized inquiries on my credit report XXXX XXXXXXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024

Company response to consumer: Closed with explanation