vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : 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 2024-10-17 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:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024 I moved from XXXX to XXXX XXXXXXXX. My funds were at Truist Bank which does not have branches in XXXX. When I tried to transfer funds from Truist to a XXXX XXXX XXXX XXXX in XXXX my transfer request was denied as the bank claimed I did not provide them with a XXXX address. I tried to do so at a branch in XXXX which the tellers would not do because there was no banker at the branch that day ( Sat, XX/XX/2024 ). Neither would the tellers accept my safe deposit keys. I explained I was leaving XXXX the next day, I called Truist customer service line and was told they could not assist me. I was on the phone the entire day. 
I have an on-line account and after reaching XXXX and setting up an XXXX XXXX XXXX account I attempted to transfer funds. My attempts were denied as Truist claimed I did not have a XXXX address and they could not change my address over the phone or on line as they could not verify it was me making the claims. They insisted I had to go to a branch and verify my identity. The nearest Truist branch is in XXXX  and almost 100 miles away. They can access my accounts using the information I provide over the phone why can't they change the address? I am a senior citizen and do not have the where with all to travel to XXXX. I need help to rectify these situations. 
The funds are mine and I should be able to transfer them. I do not want the safety deposit box keys, but am not going back to XXXX to turn them in. I am caught in a catch 22. I e-mail the CEO at Truist to complain about the behavior of the tellers at the XXXX branch when I tried to turn in my keys but have received no respose even after I ask for one.

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 2024-10-17 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: AK

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-17 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: VA

Complaint narrative:
I am now requesting proof of the previous investigation on the following account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information within 5 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this complaint regarding Chase Bank 's failure to properly credit my credit card account after I sent three letters with securities and tender of payment to their corporate office. These payments were made in accordance with the Uniform Commercial Code ( UCC ) and United States Code ( USC ).

Despite Chase Bank accepting the payments, they have not credited my account or discharged the balance as required by law. Under XXXX XXXX ( b ), once a payment instrument, such as a negotiable bill of exchange, is received and accepted, the debt obligation must be considered discharged. In addition, according to 31 U.S. Code 5118 ( b ), any debt can be discharged by payment or tender of payment through legal means, including the use of negotiable instruments.

Chase Banks failure to comply with these legal
requirements constitutes a breach of contract and fiduciary duty, as they have not fulfilled their obligation to credit my account. Furthermore, under 15 U.S. Code 1635 of the Truth in Lending Act ( TILA ), I am entitled to fair and accurate account management.

Supporting case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), establishes that failure to properly account for and credit a negotiable instrument upon acceptance is a breach of contract, and legal relief is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
RE : XX/XX/XXXXBlock Request To Whom It May Concern, I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

ACCOUNTS : XX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XX/XX/XXXXPlease block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-17 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: NC

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I found several accounts on my credit report that I believe were added without my authorization and are not accurate. I request their removal and blocking as soon as possible.

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 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into repayment for my federal student loans, totaling approximately {$92000.00}. During my initial contact with Sallie Mae/Navient , I was offered a standard repayment plan, which I accepted without being informed about potentially more affordable options. 

In XX/XX/XXXX, I encountered financial difficulties due to job loss. Seeking assistance, I reached out to Navient to inquire about more manageable repayment plans. During this conversation, Navient representatives encouraged me to enroll in a more expensive repayment plan instead of discussing income-driven options that would have suited my financial circumstances better. 

Timeline of Events : - XX/XX/XXXX : Entered repayment for federal student loans amounting to {$92000.00}. Offered and accepted standard repayment plan. 

- XX/XX/XXXX : Contacted Navient due to financial hardship. Requested information on more affordable repayment options. Representatives did not provide adequate guidance and instead recommended a higher-cost repayment plan. 

- XX/XX/XXXX- ( Still requesting for help of this year ) : I continued to communicate with Navient on multiple occasions, specifically requesting details about income-driven repayment plans and potential alternatives. However, I consistently received vague responses and pressure to remain in more expensive plans ( Please request the call record on how many times I called ). 

Actions Taken : 1. Contacted Navient multiple times seeking to lower my repayment amount ( dates of each contact ). 
2. Requested information on income-driven repayment plans and alternative options years of XXXX - XXXX. 
3. Documented all conversations including the names of representatives and the exact information provided to me ( I don't have the rep numbers ). 

Summary : Due to the lack of transparent communication and guidance from Navient, I was guided into more expensive repayment plans, which exacerbated my financial situation. I believe these practices warrant a thorough review and request assistance in resolving my current student loan burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

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 2024-10-17 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: NC

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my report from XXXXXXXX XXXX XXXX and I have never stayed there or applied. I think this is 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 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I sent a request for mediation which was received by Wells Fargo on XX/XX/year>. I was told the process would take 30-60 days. On XX/XX/year>, I received an email from Wells Fargo stating that they had received my request and that I would be contacted in 30-60 days. I contacted them stating that it had already been over 60 days and would like to move forward and have my concerns addressed. Over the last 5 weeks, Wells Fargo has stalled and delayed to the point where there still has not been any progress to address my concerns and a date for mediation has not been scheduled. There has been very little communication or accountability from Wells Fargo and they do not seems to be concerned about providing any customer service to those who were cheated and frauded by their unethical business practices.

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 2024-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I have attempted several times to validate debt and was told that legal action would be taken against me if not paid on debt that doesnt belong to me. I was told that it is being reported to credit bureaus and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: SC

Complaint narrative:
I recently reviewed my credit report and notice some fraudulent accounts.please remove these accounts they are hurting my ability to obtain credit.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report shows billing inaccuracies, including late payments that aren't consistent with my usual payment behavior. Please correct these and update my account.

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 2024-10-17 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: NY

Complaint narrative:
This account have incredibly affected my scores in the worst way possible and it's not even reported with 100 % accuracy. To think that I have sent my complaint back in XXXX and I was not met with satisfying response from your company. I need this account rechecked, re-investigated and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NC

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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