vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: MI

Complaint narrative:
Response to Comerica false statement. I have experience financial abuse from Comerica. I closed the bank account. They had to pay me a XXXX XXXX  check in which they failed to put in there statement. They closed all my accounts and they justified the behavior by saying that they could not prove my identity. XXXX XXXX stole XXXX, XXXXXXXX XXXX from me in XXXX. Comerica stole XXXX and closed my account putting false information on XXXX XXXX In which I lose XXXX, XXXXXXXX XXXX due to the issue of comerica. the checks I wrote was to pay my rent and they were starter checks in which the bank provided to me. If they were counterfeit the Comerica bank provide me those checks. In which should not be held responsible. I was in the process of putting my money into the account. When I talk to the fraud department and shared that they kept saying they had no record of the account I open. I could not take out XXXXXXXX XXXX from the ATm. I closed the account due to Comerica being to far and I could not get access to my money. That I put in the banks with cash. There was no fraudlent behavior. they are reporting on information that I reported in the past when I bank with them. I would like Comerica to know that I put in a complaint with the michigan attorney general due to the impact of this situation. It cause me to cry every day and almost got me evicted from my place. Due to Comerica, I could not pay bills or open up another bank acount. I would like them to removed information off the XXXX XXXX  and provide me a check for XXXX or I will follow-up with a lawsuit. 

I have attached the check that comerica sent me for XXXX XXXX ask proof that my account was never in the negative. That I close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I required a validation of debt from IC SYSTEMS COLLECTION. They sent a letter saying " we are able to identify the account record without further information. I call IC SYSTEMS COLLECTION gave them my name, they could not identify the account. 
Their clients knowing it was squatters on property after I move out. They are responsible for all the damage that was done. 
Information on my credit report is incorrect : Exquifax : Date of XXXX. Delinquent XX/XX/XXXX XXXX on XX/XX/XXXX is XXXX XXXX : Date open XX/XX/XXXX XXXX on XX/XX/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 2024-01-04 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: UT

Complaint narrative:
Delete Hard Inquiries 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.

Th US. nts slow a se vi. States nave 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 ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, payment not late account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: UT

Complaint narrative:
Delete Hard Inquiries 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. 
Th US. nts slow a se vi. States nave 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 ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX : XXXX, payment not late account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.

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 2024-01-04 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). I have diligently attempted to address these issues directly with Experian, but my concerns have not been adequately addressed, necessitating your intervention. 

My name is XXXX XXXX XXXX XXXX XXXX, and I am currently experiencing significant inaccuracies on my credit report, as maintained by Experian. The discrepancies include, but are not limited to : Non-mailable addresses inaccurately listed on my credit report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX and sole address that should be reflected is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect reporting of my full legal name as XXXX XXXX XXXX XXXX XXXX and an inaccurate date of birth ( XX/XX/1996 XXXX XXXX 

I have made Experian aware of these inaccuracies in accordance with the FCRA, specifically 15 U.S. Code 1681s2, which obligates furnishers of information to consumer reporting agencies to correct information that they know or have reasonable cause to believe is inaccurate. 

Despite my notifications, Experian has failed to rectify these issues, prompting me to seek your assistance. Furthermore, I have expressed my intention to pursue legal action, including small claims, against Experian for violations of the FCRA. I am seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. 

I also want to bring to your attention that I do not consent to e-Oscar or any means of automated verification. I am closely monitoring every aspect of this investigation, including tracking numbers on certified mail, the expected response date, and other relevant details. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action against Experian for its failure to comply with the FCRA. 

Thank you for your prompt attention to this serious matter, and I look forward to a resolution that upholds consumer rights and fair reporting practices.

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 2024-01-04 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: CA

Complaint narrative:
I requested a copy of my credit from Annual Credit Report. Experian updated my credit report information on XX/XX/XXXX after I filed a complaint on XX/XX/XXXX. Through review I found that Experian failed to a stay in compliance with reasonable procedures to maintain the accuracy of my information on my credit report pursuant to the Fair Credit Reporting Act, 15 USC 1681e.

Not only did they admit to the inaccuracy of my previous information but they still display inaccurate information on my credit report despite making the " corrections ''. The inaccurate information could lead to adverse actions such as identity fraud and possibly more. By not maintaining the accuracy of my information they have willfully violated my rights under 15 USC 1681n, Civil Liability for noncompliance.

Accurate information is essential in regards to my financial health, well-being and protection as a consumer and they have neglected such matters with 14 counts of violations after the information was disputed and 4 that still remain on file.

1. Names : ( 4 ) Disputed, ( 2 ) Remaining on File 2. False Information of Employers : ( 3 ) Disputed 3. Misinformation of Address ( s ) /Unmailable Addresses : ( 7 ) Disputed, ( 2 ) Remaining on File

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 2024-01-04 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: VA

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX 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 2024-01-04 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: GA

Complaint narrative:
Dispute letters were sent to both XXXX and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute letters were sent to both XXXX and Experian regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and Experian are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and Experian reports donot match the XXXX 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX report sent to me via mail.

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 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Last summer of XXXX ( I cant exactly recall the specific date ), I had called Aidvantage ( student loan servicer ) to ask on how to enroll for the SAVE program. This is a program that the Biden Administration created to help us with the monthly payments, prior to it resuming on XX/XX/2023. I was told by an agent from the company that I was going to be automatically enrolled by the program, and I do not have to do anything on my end. A few weeks have passed, I logged back in to my account, then I had found out that my total balance actually increased significantly. I immediately contacted the company to ask on why my loan balance increased, and an agent that day informed me that my balance went up due to the interest. I immediately made them aware that a previous agent that I had spoken to last summer of XXXX informed me that I was automaticaly enrolled in the SAVE program, but that was not the case, that I was not enrolled in the SAVE program, that they had enrolled me to a different program to which interest were still accrueing, which lead to my total balance going up, and that there is no such thing as AUTOMATIC ENROLLMENT to the SAVE program. Then i requested to speak to a manager, and I was informed that they will conduct a review since all phone calls are pre recorded. Then, after several weeks have passed, I still did not get any information about the results of the investigation ; therefore, I had contacted them multiple times, and all they keep saying was they will call me in 2 days. A few weeks have passed and I still did not get any return call from them. So I was tired of waiting, then yesterday ( XXXX  ), I had contacted them again, and I spoke to a supervisor, and informed me that they do not see any note/request for a review/investigation. This company is trying to avoid my concern just so they can avoid to eliminate the interest that they applied to my total student loan balance. They are basically robbing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MI

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) t
he credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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