vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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
Consumer complaint received 2024-09-27 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: FL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-27 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
i am not responsible for the XXXX XXXX  and i did not sign a contract with XXXXXXXX XXXX XXXX and they not not provite me with the paper work of a contract as requested.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccuracies in the payment summary and account balances reported by XXXX Bank on XXXX accounts, XXXX and XXXX. 

The payment history incorrectly indicates discrepancies in late payments. 
The reported balance does not match my records. 
I have contacted XXXX to investigate and request the removal of the account if inaccuracies are confirmed. I seek your assistance in resolving this matter.

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 2024-09-27 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX  number xxxxxxxxxxxx XXXX payment late year XXXX 

In accordance with the fair credit reporting act, public law XXXX, title VI, section XXXX, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For the past several months, I have not been able to take any action on my Equifax account and everytime I call in, they say that they need to connect with IT to address it. My account only states that I need to call when I login with no further details on how or who can help resolve the issue of needing access to my online profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
CHIME BANKING HAS BEEN FREEZING MY FUNDS CONSTANTLY FOR ABSOLUTELY NO REASON AT ALL. I SPOKE WITH MULTIPLE MANAGERS VIA RECORDED PHONE CALLS .FOR HOURS AND WEEKS AND EVERY DAY THEY FREEZE MY ACCOUNT AND SAY THAT ITS ABOVE THERE HEAD.THEY HAVE CONSTANTLY APOLOGIZED AND HAVE NO RESOLUTION AT ALL. I have {$500.00} in my account and my money has been stuck in there for months. IVE VERIFIED ALL MY DOCUMENTS IN EVERY WAY AND MY FUNDS THAT I WORK FOR ARE CONSTAYBEING FROZEN EVEN NOW AS WE SPEAK. Please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
When I paid this debt, one of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the account listed below, which remains on my credit report despite my request for investigation. I am requesting an immediate reinvestigation of this account under the FCRA ( Public Law XXXX, XXXX VI, Section XXXX, Subsection XXXX ). The continued reporting of this account with inaccuracies is causing severe harm to my credit score. 

As part of this reinvestigation, please provide me with the names, addresses, and contact details of each individual or entity you used to verify and validate this account, so that I may follow up accordingly. Additionally, I request an updated copy of my credit report once the investigation is complete. 

- **Account Name : XXXX XXXX XXXX  - **Account Number : XXXX Please ensure you comply with Section XXXX of the FCRA, which mandates that inaccurate or unverifiable information must be removed from the consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe the account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WELLS FARGO CARD SER 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 2024-09-27 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: NY

Complaint narrative:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

XX/XX/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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I want to file a complaint against M & T bank for harm I suffered because of lack of transparency by my bank. On Tuesday the XXXX I have received a letter from my bank denying my two dispute claim one for {$140.00} and XXXX for {$410.00} and the credit that was provided to me will be reversed the {$140.00} it was supposed to be reversed on the XXXX but post on the morning of the XXXX which it did and I was left with a balance of {$170.00} as of XXXX as it show in the screenshot and the {$410.00} supposed to reverse on the XXXX. Well sometime during the XXXX M & T Bank reversed the {$410.00} and the only way I found out is because the one time that day in which I try to use my debit card and it declined which was a embarrassment. My discrepancy of the situation is that I was not alerted by one of the methods in which I set up in which if there's any activity on my account I will be instantly notified. At the time in which the bank whenever it was during the day has reversed the credit I should have got an alert so I know not to use that debit card because of a negative balance which by law is my right

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 monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted an XXXX XXXX XXXX ( XXXX ) application for my federal student loans through the studentaid.gov website. My loan servicer, Aidvantage, confirmed receipt of my application on XX/XX/XXXX. They asked me to provide my income information on XX/XX/XXXX, which I did on XX/XX/XXXX. Aidvantage confirmed receipt of my income documents on XX/XX/XXXX. I graduated from California XXXX XXXX XXXX XXXX in XXXX of XXXX. 

I received no further messages or correspondence of any kind from Aidvantage until XX/XX/XXXX, nearly XXXX ( XXXX ) months later. On XX/XX/XXXX, Aidvantage sent me a letter stating that I had a first payment of {$2400.00} due on XX/XX/XXXX. I immediately reached out to Aidvantage since my income for fiscal year XXXX was only {$21000.00}, to find out how they calculated my monthly payment. 

At that time, I was told that I had selected the " help '' option when I applied, when I fact I selected the Saving on a Valuable Education ( XXXX ) plan. Aidvantage then told me that my XXXX application was not processed due to my loans being in a grace period since I had just graduated in XXXX of XXXX. I asked for Aidvantage to provide me with a copy of my original IDR application since I am unable to download it and get a " XXXX page not found error '' when I click on the link to try and download my original IDR application. 

Aidvantage still has not provided me with my original IDR application that I submitted on XX/XX/XXXX, and is now claiming as of XX/XX/XXXX that my IDR application was denied because " it was submitted through studentaid.gov '' without providing any information as to how a new XXXX application can be submitted through Aidvantage 's website so that it will not be denied. 

Best regards, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation