vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has viold my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) 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 2024-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
On or about XX/XX/XXXX, I reached out to EdFinancial to apply for the SAVE plan so I could begin making payments. Despite being told by the Department of Ed that this was my new servicer, they seemed to have no record of me so I was unable to create an account in their system. Figuring this was just a website glitch, I called. Unfortunately, the phone goes silent ( not even sure if I'm on hold or not ) once I am prompted for my SSN, which again they do not seem to have. Since they have seem no record of me, and I can not create an account, I am unable to take advantage of the SAVE plan. This is actually the second complaint about this matter I am submitting to the CFPB, as EdFinancial seems to have ghosted the first one. At the moment, as much as I'd like to have this resolved in a mutually satisfactory matter, I'm submitting a new complaint so as to start a better " paper '' trail of my many attempts to get the attention of EdFinancial. 

It's wild to me that the federal government continues to pay them for the service of servicing loans when they don't seem to be doing any of that.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department on [ dates of contact ]. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter within the exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.

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:
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 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I noticed my card was fraudulently being used and immediately reported the fraudulent charges. The Navy Federal Credit Union representative filed the claim ( which was approved and found to be fraudulent ) but she only reported one transaction although there were multiple transactions from the same merchant. Once I realized the representative made an error I contacted Navy Federal and advised them that the representative didnt include all of the fraud charges, so the bank had to create another claim that they denied. The initial claim was approved and found that I was a victim of fraud but the rep only added one item when there were about 9 items that I initially disputed. I appealed the decision and waited over a month and was denied again. Im the victim of fraud that is now being victimized by the bank

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Received a prepaid American Express card for XXXX with a {$220.00} balance on it. I checked to make sure there was a balance on the card on their website and it confirmed there was {$220.00} available. Whenever I try to use the card on any website it automatically declines the payment method, however, it takes XXXX out of the card every time I try to make a purchase. I've tried using the card on multiple sites including XXXX, XXXX, XXXX, and XXXX XXXX. None of them work.

Company response to consumer: Closed with monetary relief
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: IL

Complaint narrative:
I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I opened a dispute with HireRight regarding false/misleading information on my XXXX report XXXX The furnisher ( XXXX XXXX ) is a former employer. 

On XX/XX/XXXX HireRight completed its investigation. They provided me the results and rebuttal of the furnisher via telephone call. 

I am in disagreement with HireRights decision as they did not do a thorough investigation. They did not request any supporting documentation from furnisher. They simply took the furnisher statement as 100 % truth. I have actual evidence that disproves statement given by furnisher.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.

Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX  XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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