vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-08-04 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: TX

Complaint narrative:
I initiated a dispute with experian, which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that XXXX continues to confirm that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Queries : Clarify. 
ID number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: LEXISNEXIS
State: TX

Complaint narrative:
I initiated a dispute with XXXX which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that XXXX continues to confirm that I XXXX XXXX XXXX and my father XXXX XXXX XXXX, are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Queries : Clarify. 
ID number : 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 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 explanation
Consumer complaint received 2024-08-04 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: VA

Complaint narrative:
15 U.S. Code 1666b - Timing of payments 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 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Clearly the listed accounts ( ALL XXXX XXXX XXXX PAYMENTS REFLECTING A LATE PAYMENT all XXXX XXXXXXXX XXXX products reporting late ) are in direct violation because there was nothing mailed in regard to a finanve charge from said creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
First of XXXX Chase Bank and JPMorgan decided they no longer wanted to do business with me. Which is fine, except now they believe its ok to bombard me with emails I cant respond to, as well as keep money that doesnt belong to them. XX/XX/XXXXXXXX XXXX was transferred from an external account to checking account ending in XXXX at Chase bank. All I get is their incompetent pions telling me they cant access my account, that they would transfer. Being transferred and lied about where my money is. As of this day, NOTHING. On this same day, investment account I had with JPMorgan ( These matters are one and the same ) was also closed. 
I had no way to access my funds, nor my account paperwork each and every time Id get a message. I still have {$2.00} in my investment account that Ive not seen. These accounts were supposed to be closed. So if thats the case wheres my money?? Im growing very fed up with this institution. Something needs to be done about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information being reported on my credit report by XXXX, XXXX, and Transunion is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX XXXX XXXX ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, XXXX and Transunion are tarnishing my name and my identity and it's not right. I am referring to these accounts below 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 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 I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments

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 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Money Tree Lending
State: WA

Complaint narrative:
I feel I was taking advantage of if they would look at the debt to income ratio understand I I'm only getting Social Security that they would understand that I can't afford this I have a vulnerable adult with XXXX money tree

Company response to consumer: Untimely response
Consumer complaint received 2024-08-04 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: AE

Complaint narrative:
Information listed on my file is inaccurate and fraudulent accounts I'm asking that these accounts can be deleted from my credit report. If there is any extra documents that needs to be provided please be sure to reach out to me via email thanks.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
. 
Complaint I am writing to formally dispute the followin inaccuracies on my AFFIRM INC # XXXX account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submited a dispute to AFFIRM regarding [ COLLECTION ACCOUNT ]. AFFIRM INC # XXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Howeve, to date of XX/XX/year>, AFFIRM INC # XXXX has failed to respond to my dispute, violating the XXXX timeframes. 
Additionally, AFFIRM INC failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, AFFIRM INC XXXX XXXX has violatd this provision of the FCRA. 
Due to AFFIRM INC XXXX noncomplianc with the FCRA, I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and take appropriate action. AFFIRM INC actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e restricted the investigation period for disputing with a creditor to USC 1681i ( A ) 1 a. Which is a 30 day period to complete its investigation. This investigation triggers all aspects of 15 USC 1681i ( 5 ) treatment of unverifieable information that must properly be deleted if the investigation can not be deemed verified within 30 days. 15 USC 1681s-2 ( 8 ) e equals 30 days response to dispute equals 15 USC 1861 i ( A ) 1 a which is equals to 15 USC 1681 s-2 ( 7 ). Im here by requesting in good faith pursuant to Rule 1002 that the Notice was sent, when was the notice sent, what notice was sent and notice the address was sent to regarding the furnishing of this negative information.

I am attaching copies of all relevant documentation, including the dispute letter sent to AFFIRM INC and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against AFFIRM INC # XXXXXXXX XXXX  Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
Accounts are coming back as verified I am not aware of the accounts that are showing on my report. I am demanding a removal immediately. If there Is any further information that is needed please don't hesitate to reach out to me email. Please remove these accounts immediately thank you - 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 2024-08-04 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: Nelnet, Inc.
State: WA

Complaint narrative:
that reminds me the Department of Education and Nelnet are in the process of forgiving me of my loans but it hasn't shown up on my credit report yet I'm wondering why why should it take until XXXX to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information reported on my credit profile regarding a debt from XXXX XXXX XXXX  XXXX This debt was sold, and the information currently reported is inaccurate. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that the XXXX XXXX XXXX entry is removed entirely from my credit report. The inaccuracy of this information is negatively affecting my credit score and trustworthiness.

Maintaining inaccurate information on my credit report is illegal, and I believe this mistake needs to be corrected promptly. I have documentation supporting my claim, including statements and correspondence with XXXX XXXX XXXX  XXXX that I can provide upon request. 

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

Sincerely, 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 2024-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am a natural person. This is me, the actual person submitting this dispute, not a third party. I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of Ed/Aidvantage , account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( Aidvantage ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. Aidvantage 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXXXXXX XXXX XXXXXXXX, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case oXXXX XXXX XXXX XXXXXXXX XXXX XXXX further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It has been 30 days and the creditor has not update my report, nor provide proof or documentation regarding a late payment, they have not supplied this information and they must delete late payments off my credit report, under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX any other information being reported on my credit report by XXXX, Equifax, and XXXX is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all XXXX bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX daughter 's ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. Equifax, XXXX and XXXX are tarnishing my name and my identity and it's not right. I am referring to these accounts below : XXXX XXXX XXXX Account number XXXX Balance {$9200.00} XXXX XXXX Account number XXXX Past due amount {$140.00} Hard inquiries : XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect... 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX any other information being reported on my credit report by Experian, XXXX, and XXXX is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX daughter 's ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, Experian and XXXX are tarnishing my name and my identity and it's not right. I am referring to these accounts below : XXXX XXXX XXXX Account number XXXX Balance {$9200.00} XXXX XXXX Account number XXXX Past due amount {$140.00} Hard inquiries : XXXX XXXX XXXX  Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments

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 2024-08-04 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: AE

Complaint narrative:
There is to many closed accounts and one verified account along with two inquires that are showing up on my report. I am not aware of the accounts that was open but not authorized by me. I am requesting removal from my account please. Also provide me with an updated report via mail due to me not having a stable address because I'm In the XXXX.

Company response to consumer: Closed with non-monetary relief