vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Credit Karma, LLC
State: NC

Complaint narrative:
Credit karma keep telling me Im approved for credit cards but when I apply I dont get it they did this over XXXX times to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
DEAR EQUIFAX XXXX GOT UP AND I CHECKED MY CREDIT REPORT AND I THEN REALIZED IM A VICTIM OF ( FRAUD/IDENTITY THEFT ) PLEASE HELP ME TO REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX IS ACCOUNT OPENED XXXX XXXX XXXX, XXXX XXXX XXXX OPENED XXXX XXXX XXXX, XXXX XXXX XXXX N OPENED ON XXXX XXXX XXXX, A FRAUD COLLECTION XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX.PLEASE HELP ME TO RESOLVE THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
A payment was made XXXX XXXX, 2024 for {$68.00} with a bank account ending in : XXXX through there payment program. Although this payment was made they still closed and XXXX XXXX my account indicating more than XXXX days late which is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or around XXXX XXXX i sent Experian a letter requesting them to remove the inaccurate information on my credit report and they responded that the creditor verified the information from XXXX. Well XXXX sent me a letter stating that they didn't verify that information because the Bankruptcies has been removed so how could Experian say that it was verified? They continue to sell consumers personal information without our consent and go against the Fair Credit Reporting Act! And they have my name spelled XXXX when it Should be XXXX which is another grounds for deletion! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) each permissible purpose

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 2024-06-05 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: TX

Complaint narrative:
I am rewriting to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that TRANSUNION conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2024-06-05 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-05 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital Systems. I recently discovered that your company has reported a collection account on my credit report. However, I have no knowledge of this account and do not recognize any debt owed to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-05 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Opened my accounts XX/XX/XXXX they ran my credit which gave me a ding on my credit report they approved me for 2 credit cards and checking accounts. They sent me a letter that I just got dared XX/XX/XXXX that they closed all of my accounts.

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 2024-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: VT

Complaint narrative:
For months, I have tried using the ChexSystem website to get an online account, view credit reports, and use the ID monitoring tools. Chexsystem continues to unduly deny me access stating it can not generate a security quiz for me and to contact chex for alternative methods. 
Calling chex just gives me the party line that they use a 3rd party, AKA XXXX, and gives m their phone number. XXXX has a full report on me, i am not opted out, i do not have a freeze. XXXX  sucessfuly pulls reports on me for other entities that need to do ID verification, just not Chex. I called chex again, asked for an alternative method per the website.. denied. Asked for their legal address so i can a formal complaint, and if needed, a civil summons for violation of FCRA rights, they will only provide a XXXX XXXX XXXX Process server requires a physical address. 

Chexsystem is hiding behind the use of a 3rd party as a reason why they unlawfuly discriminate on customers and refuse to provide them credit report access. However Chexsystem is wholly responsible for it's partner relationships, and to ensure consumers have access to their data, and that the data they contain is valid and error free. Using a 3rd party does not in anyway under federal law excuse them from their responsibility of ensuring data access.

Review of complaints shows this is a frequent pattern for Chex.

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 2024-06-05 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: PA

Complaint narrative:
On XXXX XX/XX/year>, I received a bill for my student loan payment, which indicated a payment due date of XXXX XX/XX/year>. This does not meet the Education Department 's requirements to provide a bill with at least 21 days advanced notice. I tried to clarify with EdFinancial why this occurred and they did not provide clarification on this, nor did they place my account into administrative forbearance to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: AL

Complaint narrative:
I filed XXXX XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX Equifax. I pay a monthly membership fee to Equifax for services to see and dispute my credit report. last XXXX days I have filed over XXXX disputes, with all results being that Equifax finds the current information to be accurate and no changes made. On XX/XX/2024 my Equifax credit score I could see was XXXX, XX/XX/2024 my score XXXX, XXXX XXXX Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Equifax refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from Equifax and XXXX XXXX XXXX reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and Equifax and XXXX XXXX are dilertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
on XX/XX/year> i had {$300.00} transfer from money network which is prepaid card for my XXXX from XXXX  to XXXX XXXX XXXX, h However I mistakenly provided the wrong account number. Result that transfer did not bounce back and the credit was not returned I have been requesting a refund since XX/XX/XXXX but have received no resolution I kindly ask for your assistance as {$300.00} is a significant amount of money for me being on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-06-05 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: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MOHELA
State: MD

Complaint narrative:
My Question : On the pages of XXXX XXXX XXXX it is showing XXXX employment periods, XXXX with end dates. However, I am still employed by the XXXX XXXX and has been since XXXX XXXX with no breaks in service. Also, it shows XXXX payments as being ineligible and I am wondering why? 

MOHELA 's Response : Thank you for contacting MOHELA, In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the nature of the XXXX XXXX XXXX XXXX ( XXXX ) inquiry, we need you to speak with a XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Please call toll free at XXXX. Our hours are Monday XXXX a.m. to XXXX p.m., Tuesday and Wednesday XXXX a.m. to XXXX p.m., Thursday and Friday XXXX a.m. to XXXX p.m. CT. 

I've called this number a couple times and only received a recording. Also, their other contact number only to be asked to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TN

Complaint narrative:
I know there must be someone using my identity. I was unaware of this until I tried to open a phone line at a local XXXX in XXXX. They were unable to verify me. I was asked a series of questions which I know were answered correctly. After this denial, I looked into my full report. This is when I discovered the incorrect information. I had been receiving unsolicited messages for a while now. I'm certain it is in correlation to the notification that my personal information including my social had been compromised in an Equifax XXXX XXXX some time before. There are accounts reporting to my credit that I've never authorized. I see addresses on my credit report in states I've never visited or lived. Furthermore, my cell phone and email have been receiving hundreds of unsolicited messages from subscriptions and memberships with companies I do not recognize at all. Please investigate and delete all of the inaccurate I report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-06-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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