vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for SANTANDER USA account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent five letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax reporting XXXX XXXX XXXX accounts # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX # # XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  # XXXX closed XXXX {$640.00} XXXX XXXX XXXX  accounts # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} # XXXX {$1900.00} # XXXX {$1000.00} # XXXX {$1500.00} # XXXX {$700.00} # XXXX {$500.00} XXXX soft inquiries XXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On or around XX/XX/year>, my company, XXXX XXXX XXXX, deposited {$3200.00} via ACH to the wrong account at Bank of America. The name did not match, and the payment should have been returned. XXXX XXXX requested the funds be returned, and they were not. The funds need to be returned to XXXX XXXX XXXX as they were intended for XXXX XXXX. 

Account Number- XXXX Routing- 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 2024-04-04 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and Navient making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between Navient and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter.

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

Complaint narrative:
According to XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX explained that a furnishers continuing failure to mark an account as disputed constitutes a violation of 15 U.S.C. / 1681s2 ( b ). 

XXXX XXXX is in violation for not marking ( 2 ) accounts below in dispute after I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and XXXX Bank XXXX XXXX on XXXXSee screenshots attached. Experian Credit Report # XXXX Date XX/XX/XXXX. 

The screenshots PROVE that both accounts had not been updated in the Comments section since XX/XX/XXXX. ( VIOLATION under 15 USC 1681s ( 2 ) ( b ). 

I demand both accounts be deleted immediately as I will seek legal representation if I am forced to. 

Remove both accounts for violation. 

XXXX ) XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial Servives- Claimed there was a derogatory payment on my credit report. They would not provide any information on what the debt was regrading or itemized receipt I caled and closed up the payment {$900.00} as I did not want it to affect my credit score. However they again marked my account with another derogatory outstanding payment, again with no information on what the outstanding payment is for or itemied receipt. They also never provided one for the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked and disputed this account multiple times, it was verified as belonging to me without reason, no documentation or proof of validation was provided to me which is a violation of my rights. 

Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Account name : XXXX XXXX XXXX Account number : # # # # # # XXXX I requested the following : * The amount you claim I owe * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information and it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, this account must be deleted, Well I want this account deleted!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Collection Systems, Inc.
State: MI

Complaint narrative:
I had ongoing problems with online campus starting in XXXXso I began in person classes. GPA XXXX, did very well. XXXX XXXX XXXX  has requirement online for XXXX XXXX, had NO choice. Issues began again immediately-multiple contacts to help desk, even registered for school issued laptop-didnt clear. Emailed homework in, couldnt participate with XXXX Got a police report filed, 2 days later FBI shut down online campus to correct. I had to drop the class, was already too far behind. This isnt offered in person, I lost my scholarship, lost funding, and GPA was also reduced. Now my credit is being negatively affected for something outside my control and neither the school ( filed Administrative appeal which was denied ) nor the FBI will release liability. Disputed on credit report, and am filing this complaint. I will be seeking legal assistance after completing this process. Everything has a procedural process, this is my final step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-04 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: KY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX company added XXXX XXXX XXXX for {$1300.00} on my report that I am not aware of. I have never been contacted by XXXX  or anyone else regarding this account, I was notified by Experian. I have never been billed, nor know who the medical facility or provider is that the original debt belong to. My insurance has never been billed either, because I have no denied claims. I have disputed this information, as well as mailed a letter to XXXX disputing these accounts, because XXXX is obviously a duplicate. This is severely impacting my credit and it needs to be removed immediately. I pay all bills in a timely manner that are mine.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
At XXXX in XX/XX/year> I picked up my phone and saw I had a prompt from cash app asking if I recognized a XXXX $ charge that was being made to my account. I immediately responded that it wasnt my charge and the charge was declined. After I marked the activity as suspicious I started going through the process of card replacement and as I was filling out that info, XXXX again tried to charge my account for the same {$42.00} that I had just flagged as not approved and they let it clear my account and refuse to refund the money as it was their fault. I had already flagged the charge. Then I I have been disputing it ever since and when I ask for documentation that proves I approved the charge all I get is a simple generic receipt saying the date, the time, transaction number, and the vendor. Thats not documentation of proof of anything. I never used the services I was charged for and never wanted them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well Equifax and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as Equifax and XXXX are all ignoring the emails to keep my credit score low.

Company response to consumer: Closed with explanation