vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-13 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: NC

Complaint narrative:
XXXX deleted and item they were reporting twice on my consumer report on XX/XX/XXXX and on XX/XX/XXXX added back on my consumer report Experian continues to violate my rights they are causing hardship to me and my family

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 2024-11-13 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: GA

Complaint narrative:
CFPB Complaint Against XXXX Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX XXXX, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX XXXX : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO XXXX ELECTRONICALLY ... XXXX XXXX USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.

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 2024-11-13 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-13 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 request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.

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 2024-11-13 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: IA

Complaint narrative:
As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-13 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: IA

Complaint narrative:
As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2024-11-13 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: MO

Complaint narrative:
I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the EDUCATIONAL COMPUTER SYSTE violation 's that EQUIFAX are furnishing with the account. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX XXXX for the following reasons : 1. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies this misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve loans, I am concerned that XXXX XXXX XXXX may be abusing loans obtained from the federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3.Abuse of Insurance Policy, The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden on my part.

4. XXXX XXXX XXXX  is in violation of the Fair Credit Reporting Act and Privacy Act of 1974 as they continue to furnish information to my consumer Report without providing me a Privacy Notice 12 CFR 1016.4

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IA

Complaint narrative:
I suffered a week due to their incompetence and their poor complaint handling process that I had to resort to the CFPB to ensure my issues were looked into. I was lied to when I tried to process my wire by the wire team many of times. It was only when I threatened to close my accounts that minor progress was made. I was told many times they dont know their complaint process and complainants do not always receive a formal resolution. This experience was distasteful and I was unfairly treated for a week. It was emotionally and physically draining. {$30.00} is nothing compared to the market fluctuations we missed due to trying to get our money to my husband who currently resides in XXXX for work. Discover was all of the following to me : deceptive, unfair, & created avoidable financial harm. There was absolutely no reason I went through XXXX to send my own money to my husband who is a joint owner. There was also no clear indication during any call that the notary I submitted for my phone number was separate from my wire. I had to call and ask so many questions and read between so many lines. They need to confirm all calls related to this misery was reviewed, a real apology is issued to me, & additional rebuilding trust monetary relief is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

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 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 2024-11-13 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: FL

Complaint narrative:
am writing to formally dispute the reporting of the charge-off account associated with negative account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My account with closed because of overdrafts fees, overdrafts fees that I shouldve never been charged for in my account & now my account is closed & I need my bank account, like this is how I pay my bill, send money for my kid & my parents, my account shouldnt be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into XXXX XXXX compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report with no explanation as to how they appeared. I regularly check my report, and everything was normal before. I tried refreshing my browser, thinking it might be an error, but the entries remained. I urge you to carefully examine the documents I sent so I can put this issue to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I filed a cfpb complaint for an unauthorized cashapp account created for me without my consent and authorization. My claim was closed on XX/XX/XXXX after the representative confirmed that any account with my information would be closed permanently. 

Last week, I received another cashapp card with a different account number sent to my old address. 

Please have cashapp permanently close all accounts associated with me and remove my information. If there is a balance, please send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognized or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negativity impacting my credit per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed from my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

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