vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: TN

Complaint narrative:
To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate items : XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX  XXXX with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, 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 2024-12-14 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: TN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan is late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX i am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 


After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2024-12-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX i am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 


After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2024-12-14 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:
I just checked my credit profile disputes through TransUnion Online and found that TransUnion did not fix my report. They have been provided with my FTC Identity report, Police Report Number, Numerous forms of proof of address, many items to prove my id such as current id, social security card, letter from United States Social Security Administration, Birth Certificate, and bank statement. I have submitted all of this along with my dispute and letter of explanation with FCRA 605b included, and Trans Union refuses to update my profile accordingly. In addition, for many days this week I have been unable to view or get secure my current up to date credit report through Trans Union. " Your online credit report isn't available at this time. '' is the message I see consistently. When I call in, I am given many reasons that make no sense ( such as because I logged in already today even though I had not viewed my credit report ). 
Even though I have reported the inaccuracies many times, I can't seem to get assistance. 

I have now emailed XXXX ( TransUnion Fraud Victim Assistance ) twice this week ( on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX ) and submitted my FTC report, Police report number, several forms of ID including state ID, birth certificate, social security card, current bank statement, letter from United States Social Security Administration, and several other items for proof of address. I have found it impossible to get TransUnion to respond and comply with my request under FCRA 605b to remove the incorrect personal information and accounts within 4 days.

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 2024-12-14 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: UPGRADE, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing this letter along with the required documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This falls under XXXX  according to the XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and delete the following accounts from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act : XXXX Account No. ( XXXX ) Uplift INC/XXXX Account No. ( XXXX ) I am a victim of XXXX XXXX involving XXXX XXXX and these accounts are a result of that XXXX. I am formally requesting that these accounts be blocked and removed from my credit report promptly. Please provide me with written confirmation once the accounts have been deleted. Thank you for addressing this matter swiftly and for your assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

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.

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. 1681s-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 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 2024-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AE

Complaint narrative:
I have a Dept. of Education loan of {$40000.00} on my credit report, but when I accessed my Nelnet account, it only shows that I have an unpaid amount of {$1900.00} on XXXX XXXX XXXX. This maybe the amount that I co-signed for my brother 's loan, but my brother has paid his federal loan off as well and it does not show on his account. I would like this information corrected. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I refinanced my home and the title company sent a cashiers check to Barclays to pay off my total balance of over {$9000.00}. The check was sent on XX/XX/year> and they indeed received the check. Barclays cashed the check on XX/XX/year>. Barclays has refused to update my account balance and are continuing to charge me interest. They have stolen over {$9000.00} and are claiming that I never made a payment. The title company provided me a copy of the check they sent and confirmed that Barclays deposited my payment on XX/XX/year>. I am in desperate need of help. Their customer service is not helping me.

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 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As a consumer I am enforcing my basic consumer rights. I have a right to be informed. I have a right to redress. I have requested my security agreement and disclosure. During this consumer credit transaction which makes the principal the original creditor. And the banks the borrower. In accordance with 12 usc 1431. The power and duties of banks.. the principal is owed interest. I XXXX XXXXagent on behalf of the principal/ XXXX XXXX XXXX XXXX Im here to receive all interest owed to the principal. Also in accordance with 15 usc 1605. The finance charge is the sum of all charges. I would like to express and written to receive and retain all services and changes applicable to the principal. In accordance with the truth-in-lending disclosure. After I receive all services and changes to the finance charge. I would like to transfer the principal balance to the principal account to set off the debt. I have sent my power of attorney to all financial institutions. In my documents you will see proof of certified mail being delivered to the institutions. Navy federal is the bank Ive done a auto loan with. All other financial institutions also received copies of my power of attorney. I have spoken verbally also in person with the XXXX banks XXXX XXXX  navy federal . And the have advised me they received the documents. I would respond. Its been 30 days. No response. Navy federal informed me that the department that handles power of attorney documents received my legal documents. I also have the right and capacity to contract. Im not a minor. All financial institutions have 5 days to respond from receiving this information. Thank you. XXXX XXXX agent on behalf of the principal/ XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On the XXXX of XXXX, I disputed a charge with my bank ( {$190.00} ), due to the service not being what was advertised. The company, after receiving the disputed charge, continued to charge my card, which they had on file, a higher amount ( {$210.00} ). This charge was made on the XXXX of XXXX. The company proceeded to email me, notifying me of a second charge, and telling me that the funds would be released once the dispute was canceled. On the XXXX of XXXX, I canceled the original dispute ( {$190.00} ), and my bank informed me the company should receive that money back in 6 days. By the XXXX of XXXX, the funds were not back in my account. I filed a second dispute with my bank. Without notice, this claim was denied on the XXXX of XXXX. Throughout this entire process, I have tried to contact the company, but there has been no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: DE

Complaint narrative:
I submitted current billing balances for three creditors, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> were enclosed and sent certified mail on same said date to Trans Union and they did not update said information. 
Certified receipt # 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 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
The institution chime financial granted me a credit limit of {$490.00} and after paying the outstanding balance I shouldve been able to withdraw up to {$490.00} as which is described on my account, but after paying the outstanding balance, the company only let me withdraw {$160.00} out of my total credit limit of XXXX leaving me without $ XXXX {$350.00} during the holiday season and crucial bill payments needing to be paid I seek to make chime financial reliable for my loss of money and cause of my late payments and unable to hold this {$490.00} credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: 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.

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. 1681s-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 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 2024-12-14 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: IL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely

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 2024-12-14 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: IL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report that violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my creditworthiness, and I demand immediate corrective action.

These debts have not been properly validated. Under 1692g, a collection agency must provide validation of the debt within 30 days of my request. I am formally requesting the following : Verification of Debt : Provide written verification showing the origin of the debt.

Itemization of Debt : Include a detailed breakdown of the principal, interest, fees, and other charges, along with an explanation of how the amount was calculated. Proof of My Liability : Provide all documentation proving the debt belongs to me, such as signed contracts, billing statements, or original agreements.

2. Fraudulent Accounts : The accounts listed above do not belong to me. I have never incurred debts with these companies, nor have I signed any agreements or authorized the use of my name.

Any continued reporting or collection of these debts without proper validation constitutes a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
TRUIST ( formerly Sun trust, keeps changing me {$36.00} every time. They charged me {$680.00} in one week, starting on the XXXX of XXXX. They have been charging me {$36.00} for a long time now.

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