vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

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 XXXX  have been XXXX  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 XXXX. To my surprise, it turns out that XXXX out of XXXX 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 the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
They have repeatedly called family and family friends reporting my debt to them in an attempt to reach me AFTER they have already talked to me personally on the phone in which I told them I will be handling the debt directly and not through any third parties. After telling them that, I asked them to stop contacting me and my family/friends exposing my debt and they have now been calling still for months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> someone initially try to make a charge on my Chase debit card of {$79.00}, I advised them I made no such charge. Chase Stated they would close the account and reissue me a new card. The card never was received along with the pin, on XX/XX/year> my wife contacted me while I was out at the store that someone had accessed our Chase accountant withdrew {$2000.00} from our Checking account and {$3800.00} from our savings account. We don't share our account information with anyone nor do we share our pin numbers. We notified the credit Bureaus, the Federal trade commission, Attorney General office. Chase claims to have investigated but put us off for over a month we had to call every day they never contacted us with any updates. Not till my complaint file with the XXXX 's office did I hear from Chase and even then they would not elaborate on the progress of the investigation. They did have my wife and I go to our local branch to view bank photos that capture the person impersonating me, I was not provided a copy of the photos, they're only excuse is because he had a pin number that it was some how ok. 
The security of the new card is faulty I never received it nor did I receive the pin they said was also mailed. I file a complaint with the XXXX XXXX XXXX service, what more does a XXXX have to do to protect themselves XXXX last note the withdrawal were made within a half hour or less at the same bank branch how can no red flag XXXX to XXXX withdrawal in minutes in various amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting my to credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-30 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting my to credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-30 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: AZ

Complaint narrative:
Subject : Urgent Request for Intervention Regarding XXXX XXXX  and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe XXXX XXXX  and credit reporting issues related to my experience as a survivor of XXXX XXXX. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from Equifax and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( Equifax and XXXX  ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXXEquifax and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a survivor, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address hacking incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a XXXX  survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  survivor are causing continued victimization and hindering my recovery. 

While XXXX, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from Equifax and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
Subject : Urgent Request for Intervention Regarding XXXX XXXX and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe identity theft and credit reporting issues related to my experience as a survivor of human trafficking. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from XXXX and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( XXXX and XXXX ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXX and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a XXXX, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address XXXX  incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a trafficking survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  XXXX  are causing continued victimization and hindering my recovery. 

While trafficked, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from XXXX and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon closely analyzing my recent credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.

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 2024-09-30 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX  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
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXX  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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX  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
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: EdFinancial Services
State: MA

Complaint narrative:
See previous complaint filed with CFPB ( XXXX ), wherein EdFinanical responded that they had transferred a payment to XXXX on XX/XX/2024, with an effective date of XX/XX/2024. I have contacted XXXX and attached is a screenshot of my payments made to XXXX. No such payment transfer exists. I would like this investigated and a full refund of {$830.00} sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TN

Complaint narrative:
This account has inaccuracies. XXXX is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 XXXX  have been XXXX  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 XXXX out of XXXX 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 the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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 XXXX  have been XXXX  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 XXXX out of XXXX 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 the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified inaccurate details on my credit report, as protected by 15 USC 16c-2. I believe this information is misrepresenting my creditworthiness. The inquiries were not authorized by 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 explanation