vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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:
Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account to ensure its accuracy. The account that I am asking you to verify and validate : Account Name : XXXX XXXX XXXX XXXX Account # 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I opened a merchant dispute for " credit not processed '' on XX/XX/year>, under the case number XXXX and it looks that was denied because the provitional credit given was reversed last week. 
XXXX XX/XX/XXXX I requested to reopen or have a second review and that right under XXXX chargeback procedures was violated, they denied that right. 
Please reopen the case, I have the refund recipt from the store showing that the merchandize was returned in person at the store, and they should processed the refund to the XXXX debit card in 5 business days, something that they never did. 
I really dont understand If I supported the documentation given by the store my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2024 I disputed an inaccurate reporting bankruptcy and Experian has not reached out to me regarding an update or deleted from my consumer 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 2024-07-22 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: TX

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 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: TX

Complaint narrative:
Identity Theft Police Report attached. Credit Information still inaccurate despite advising unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have violated my rights.

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

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts have violated my rights.

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

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
On my credit report theres an inquiry from FNB OMAHA on XX/XX/year>. I called XXXX about this to get it removed, I was told I had to call the company and they would send out the information to XXXX to have them remove the inquiry. I called the company, they could not find any information about me. I gave the representative my name and full SSN. After searching their database and finding nothing I was told we dont send out information to the credit agencies. I informed them that an agent from XXXX told me to call them to resolve the issue. 

FNB OMAHA 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 2024-07-22 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: TX

Complaint narrative:
I do not recognize the negative account appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I do not recognize the negative account appearing on my 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 2024-07-22 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: TX

Complaint narrative:
After several efforts to prompt Experian to investigate the issue, they continue to end up with the same result, being no change to the incorrect payment history and account status on our account with XXXX XXXX. We have made numerous investigation requests and Experian remains unable to get XXXX XXXX  to provide the same information that we have been given by the company. The account was never delinquent. It has been on a forbearance and now we were in a period of beginning a loan modification. Despite all of this, the research team at XXXX XXXX  and now Experian are trying to make us out to be deadbeats.

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 2024-07-22 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 in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. 
Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call XXXX XXXX associate sent a request for XXXX to remove XXXX  and XXXX from credit my report for the second time.

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 2024-07-22 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio recovery requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call Portfolio Recovery associate sent a request for XXXX to remove XXXX and XXXX from credit my report for the second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reached out to Experian about inaccuracies on my file a year ago and then a day ago once I received word about a debt collector account with the incorrect address. The following are some of the codes Experian has violated and should be penalized for : 15 usc 1681e ( b ), 1681i, 1681c and 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 2024-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NV

Complaint narrative:
Since XX/XX/XXXX, I have sent MOHELA the letter ( upload ) the Department of ED sent me stating my loan is to be fully discharged, and to not make anymore payments, it will be in forbearance, and I will be getting any monies that I paid them returned to me, 3 times, I called Mohela 4 times since XXXX, I wrote a letter snail mail to XXXX XXXX XXXX XXXX, I was then sent an email XXXX XXXX with case # XXXX stating the Dept of ED sent Mohela a letter on XX/XX/XXXX notice of approval for full discharge, I have called Dept Ed, they have told me it takes time, but now when I call Mohela as of XX/XX/XXXX they are asking me what Payment plan I want to get into? and my payments will be due in XXXX? I am getting worried now that MOHELA is not abiding by what the Dept of Ed has told them to do? Mohela told me that Mohela owns the loans and they are the ones who would be discharging them? now if that meant because they were told to? but I did not get that they way they told me? so, I just want these loans discharged as Dept of education Said they have already approved them to be discharged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that Equifax continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX credit report. 
Therefore, I am requesting again that Equifax remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Number : XXXX* Delete this account. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 
9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One withdrew from my XXXX bank account on XX/XX/year> without my authorization. This account has never been on any form of autopay. I contacted Capital One and according to them they could not do anything because the payment was processing. When I tried to stop payment with XXXX, they wanted to charge a {$30.00} stoppage fee to hold the processing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
Capital one never sent me the periodic statement along with the disclosures from section 1637b i have requested proof that this information be mailed are delivered 21 days before the payment due date and this information was requested in good faith pursuant 1002 and it was never provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. 
Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ).

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 2024-07-22 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: NJ

Complaint narrative:
Upon checking my credit report on TransUnion, there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account Open Date : XX/XX/year>. Account number : XXXX. According to XXXX XXXX, the account has been transfered to a debt collection company named XXXX XXXX XXXX ph. XXXX Please remove this from my TransUnion 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 2024-07-22 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:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$21000.00} XXXX update to never late XXXX Credit {$250.00} XXXXRemove Capital XXXX {$3100.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX XXXX {$1200.00} XXXX Remove XXXX XXXX {$420.00} XXXX Remove XXXX  $ XXXX Remove XXXX XXXX  {$0.00} XX/XX/year> XXXX Bankruptcy {$0.00} XXXX Remove

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
Incorrect information being reported on my credit report has been a big obstacle in achieving financial freedom. I kept getting denied when applying for new credit because of these errors, it is extremely frustrating, it's negatively impacting my life.

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I filed a complaint with SoFi XXXX XXXX regarding a transaction from yet another airline in the amount of {$700.00}. FOUR tickets were purchased out of my account. The communication has been terrible. Not even an email showing the dispute has been filed. When you call there is no way to speak to someone and the chat just lets you know the ticket has been created.

Company response to consumer: Closed with explanation