vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the XXXX XXXX of Pennsylvania. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from Experian, XXXX and XXXX. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : 1. Incorrect Bankruptcy Status : 2. Accounts Not Updated Post-Bankruptcy : 3. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.

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 2025-01-09 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: AL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between the dates of XX/XX/year> and XX/XX/year>, my credit was ran without my authorization. There were no actions taken against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
XXXX fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by XXXX comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
XXXX has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
Equifax lists XXXX negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
Equifax lists XXXX account as revolving line of credit, rather than remaining balance. 
Equifax will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
XXXX fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
XXXX was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by XXXX comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
XXXX has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
XXXX lists XXXX negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
XXXX lists XXXX account as revolving line of credit, rather than remaining balance. 
XXXX will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
Experian fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
Experian was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.

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 2025-01-09 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
DAVE Inc. keeps taking money from my checking account even though I dont have any business with them. When I attempt to call because I dont have a valid card number I cant reach anyone. I get no response from their customer service support online I keep having to dispute the charges with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO Whom it may concern Please block this information from my credit report within four business days pursuant to section 605C of Credit Fair Credit Reporting Act, I am victim of human trafficking of DEBT Bondage and would like for all listed Accounts to be blocked and deleted company informationTransunion .Following Acoounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX *** XXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I received a mail in promotion to open a XXXX checking account In XX/XX/year>. I then took the promotional mailer into the branch and opened an account. I met all the terms and conditions stated in the pictures attached to this report. I have contacted the bank multiple times and they have ignored my messages.

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 2025-01-09 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: LEXISNEXIS
State: IL

Complaint narrative:
They continue to say LexisNexis and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means Lexis nexis XXXX and XXXX are all liars and providing false information I have provided letters from the court and Lexisnexis that the information is not verifiable please resolve now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
They continue to say XXXX and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means XXXX nexis XXXX and Experian are all liars and providing false information I have provided letters from the court and XXXX that the information is not verifiable please resolve now

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 2025-01-09 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2700.00}

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 2025-01-10 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: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reports that I have seen, all have different credit scores. Experian has items on my report that should not be on there or been on my report for years. I received a letter saying my information has been sold to a XXXX  party. They told me it would be an investigation but as you can see that didnt happen. To be honest I dont think they investigated anything. I feel like they dont send out all the information and the accounts that got deleted were added back. I also paid XXXX XXXX XXXX to fix my credit about XXXX  years ago, nothing was accomplish

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 2025-01-09 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: TX

Complaint narrative:
I have repeatedly reported incorrect information in my TransUnion ( XXXX ) Credit files, and they refuse my rights under 605 ( b ) and information I included about my dispute " NOTICE TO FURNISHERS '' ( from FTC identitytheft.gov ). Yesterday, I was denied credit due to a collection on my report. I previously informed TU about this not being my account, and they closed the dispute and refused to correct my file. I then reached out directly to XXXX on XX/XX/XXXX who quickly handled my issue and responded with a letter that this debt didnt belong to me. This was provided to all CRA 's. 
XXXX is the only CRA that still shows this incorrect collection account on my file. Today at XXXX XXXX I contacted XXXX  by chat to inquire why this XXXX XXXX account was still on file. My issue was not resolved, I was told to call XXXX and speak to someone in " special handling '' I called this number at XXXX XXXX  XXXX and was finally connected to " XXXX in special handling ''. XXXX stated that although XXXX did reach out and provide XXXX  with the information that its not my account, my XXXX  report will not be updated until after XX/XX/XXXX because I have an unrelated dispute pending. I informed her that I should not have to wait for this error to be removed from my account, I quoted 605 ( b ) and Section 623 of the FCRA, 15 U.S.C. 1681s-2. She said I would have to wait, no way to remove the incorrect COLLECTION ACCOUNT until after my dispute is completed : MY DISPUTE ASKING XXXX TO ALSO REMOVE ACCOUNTS THAT HAVE ALREADY BEEN FOUND TO BE INCORRECT BY OTHER CREDITORS! TransUnion has no regard for my rights as a consumer as has caused me to be denied credit thus causing financial loss. At XXXX XXXX today I emailed all of this information to XXXX  at 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 2025-01-09 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: GA

Complaint narrative:
On XX/XX/year>, a handful of XXXX loans were marked as XXXX  days late. I had several loans totaling approx {$5000.00} across several loans. XXXX  never disclosed if they'd report to the credit reporting agencies, let alone when. 

On XX/XX/year> I spoke with a representative for over XXXX minutes and got a consistent run around on reporting dates. After I explained that I had been making payments and the amounts weren't correct and asked what I needed to pay to get " caught up '' she refused to tell me. 

She also stated that I would get an email follow up about the matter and I haven't heard back.

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 2025-01-09 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: KS

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have paid my American Express platinum card on time and above the required payment on my bill, each month. I have no credit issues and my account is within terms ( no over limit, no late payment, revolving balance per terms of card, etc. ). I paid about {$700.00} last spring for the annual fee for this card. In the last XXXX  months, after I have made required payment for my monthly bill, I have received warning emails from American Express to the effect that I need to make additional payment because my balance is high. They threatened to decline my purchases if I did not make another payment and they specified an amount for me to pay. So, I made the additional payment only to find the pattern repeated : American Express sends an email threatening to decline my purchases if I don't make yet another payment. I have called their customer service and I have gathered various information. XXXX rep told me I need to keep my revolving balance below {$20000.00}. However, I received the threatening emails even when my balance was below that amount. Another rep told me I need to prepay every purchase where before I do a purchase, I need to pay my revolving balance down by that amount. I have feature on this account which allows me to revolve purchases over a certain amount. Another rep told me she does not know how much I need to pay to avoid the emails because the emails come from an algorithm. I find these practices to be deceptive and disturbing. I paid a large fee for this account and I pay interest. I should not be treated like my account is in collection.

Company response to consumer: Closed with explanation