vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 16815-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies in my credit report, specifically the disputed accounts that remain unresolved despite my previous requests for investigation. These errors are significantly affecting my credit score and causing undue hardship. 

I have consistently requested that these inaccuracies be investigated and corrected, but I have not received any resolution or corrective action. The presence of these erroneous accounts is hindering my ability to secure financial opportunities and is impacting my daily life. 

I urgently request a thorough investigation into each of these disputed accounts and prompt correction of my credit report. Accurate information is crucial for my financial well-being, and I hope that you can address this matter with the seriousness it warrants. 

Please acknowledge receipt of this letter and provide an estimated timeline for resolving these issues. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove this inquiry promptly. XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im not able to dispute inaccurate information on my consumer report online at service.transunion.com. Im also not able to add or remove a freeze on my consumer report. Ive made multiple attempts to fix this issue and the problem is not being resolved. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2024-07-31 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: MS

Complaint narrative:
I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: Kikoff Inc.
State: IL

Complaint narrative:
I disputed an account that is not mine. I do not know what it is or where it came from. The company denies everything. They have not tried to help me solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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:
After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile.

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 2024-07-31 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies in my credit report, specifically the disputed accounts that remain unresolved despite my previous requests for investigation. These errors are significantly affecting my credit score and causing undue hardship. 

I have consistently requested that these inaccuracies be investigated and corrected, but I have not received any resolution or corrective action. The presence of these erroneous accounts is hindering my ability to secure financial opportunities and is impacting my daily life. 

I urgently request a thorough investigation into each of these disputed accounts and prompt correction of my credit report. Accurate information is crucial for my financial well-being, and I hope that you can address this matter with the seriousness it warrants. 

Please acknowledge receipt of this letter and provide an estimated timeline for resolving these issues. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

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 2024-08-01 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: GA

Complaint narrative:
Transunion has allowed inaccurate information to be reported on my credit report that isnt congruent to XXXX or XXXX reports. Which causes for instant removal due to inaccurate information damaging my credit report. Violations stand as stated 15USC1666b 18USC870-872 FCRA violations of inaccurate reporting as well as FDCPA collection laws being violated by said entity

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX Credit Report showed : Personify credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Equifax Credit Report showed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, I never made inquiries to those companies at those times. I have been notified that my personal information, including social security number was compromised by a data breach at XXXX XXXX XXXX. So, it is my belief that someone used my personal information to seek credit from these entities. I explained this to XXXX when I discovered them on my credit report recently. However, I was advised to contact the companies using the contact information listed on the credit reports. When I attempted to contact them, I was unable to speak with anyone who could assist with either investigating or removing the inquiries. I was then advised by XXXX to file this complaint with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: TX

Complaint narrative:
They put a collection on my credit report for medical, company is Americollect, Amount {$1600.00} since XX/XX/year> that i started paying even i'm a military, and i have 3 inquiries for automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called Sams Club Credit card ahead of time to let them know we would be making large charges followed by large payments for work being done on a major project. It was ok at first until this week. My credit limit is over {$14000.00}. A payment was made of {$11000.00}, left my bank checking account via XXXX on XX/XX/XXXX and POSTED on the Sam 's account with Synchrony Bank on XX/XX/XXXX. The balance was updated, but the available credit was not. I called and was told that the available would not be updated until XXXX!! We did this for convenience purposes because the work is being done out of town, not local to us. This will cause my project to stall for XXXX days! I have been with Sam 's since XXXX, always paid on time and have an excellent credit history. How can they withhold my available credit when the money clearly was there or the XXXX would not have cleared. This can not be legal to withhold my available credit just because they don't trust my payment source.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Re : Wells Fargo case number XXXX and XXXX In your letter dated XXXX XXXX, Wells Fargo said that we were not able to find any indicators present confirming fraud on the account. 

XXXX.enclosed attached files including police report that it clearly showed " FRAUD '' in incident type space. For further verification, please call policeman XXXX XXXX XXXX re : case XXXX XXXX addition to XXXX unauthorized bill pays on XX/XX/XXXX, $ XXXX and XX/XX/XXXX, {$700.00}, there was attempt to apply loan ( application number XXXX ) on XX/XX/XXXX. Also There was illegal adding of bill payee on XX/XX/XXXX. Encloed please find enclosed files-I found these XXXX emails from Junk folder on XX/XX/XXXX. 
Don't you think XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incidents all were jobs of XXXX scammer. It's fraud, online fraud. 

Please reinvestigate and refund my money back. 
enclosures : police report Wells Fargo letter fake loan application illegal bill payee adding

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 2024-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My mail was being intercepted. The XXXX employee came to my door with these XXXX mortgages from Chase and told me that my mail was being intercepted. I would like to know how its even possible to apply for a mortgage when you have fraud and freezes on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a landlord and took one month 's rent as a security deposit in XXXX. The amount was {$2200.00}. I opened the " tenant lease account '' or security deposit account at Chase bank in XXXX  XXXX. 
When my tenant moved out on XX/XX/XXXX I went to a branch to close the acct and get the money in it to give back to the tenant. They closed the acct. They said I would get a check sent to me PAYABLE TO THE TENANT XXXX XXXX within 10 days. That was about 60-days ago. I have been to the branch twice and got no resolution. Then I made 2 separate appointments at the main branch and sat with the manager of the main branch XXXX XXXX. On the last visit ( last Friday ) I was told it was escalated to a " case. '' That case # is XXXX. This is Chase Bank. The phone # for this dept is ( XXXX ) XXXX. I have called and gotten a person 's voice mail and they did not call me back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX by law to return the security deposit. I can be sued. It is now 60 days!!! The amount due is {$2200.00}. The acct that held this money was # XXXX. The company name is XXXX XXXX XXXX. I am XXXX XXXX. I need this money that belongs to my ex-tenant As soon as possible!!!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XX/XX/2024 for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-31 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: MOHELA
State: MO

Complaint narrative:
Mohela posted XXXX student loans on my credit report. I never took those out. Ive sent in all requested information Mohela fraud requested back in XX/XX/24. Ive even called the school and XXXX said he knew about this and would be sending in the requested information Mohela wanted. I have yet to get this resolved. It is still on my credit report. They say they are waiting for the Department of Education to approve the fraud. Mohela has approved of the documents I sent them. Please take this off my credit report if possible. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation