vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Name incorrect : XXXX XXXX XXXX XXXX Employment incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses incorrect ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX This account to be validated XXXXXXXX XXXX account numberXXXX This account needs to be validated THE XXXX XXXX XXXX Account numberXXXX This account to be validated XXXX XXXX XXXX XXXX account numberXXXX This account to be validated XXXX Account number:XXXX This account to be validated XXXXXXXX XXXX  Account number:XXXX  This account needs to be validated XXXX XXXX  Account number:XXXX This account needs to be valdated XXXX XXXX XXXX Account number:XXXX This accocunt to be valdated XXXX XXXXXXXX Account numberXXXX  This account to be validated XXXX XXXXXXXX Account numberXXXX This account to be validated XXXXXXXX XXXX  Account numberXXXX XXXX This account to be validated XXXX XXXX XXXX XXXX Account number:XXXX This account to be validated

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Delete these inquiries at once, please. I have no information on this, and the company acted without my authorization.

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 2024-06-30 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: SC

Complaint narrative:
I recently received a copy of my credit and noticed fraudulent accounts listed. Please remove these accounts from my report as they are negatively affecting my ability to obtain credit. I do not recognize or authorize these 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 2024-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: KY

Complaint narrative:
The company IQ Data International Inc is reporting inaccurate information on my credit report which in turn is affecting my credit negatively. Ive never done business nor have I signed any contract with them. On XX/XX/year>, I filed a dispute with the BBB requesting that IQ Data International remove the item from my credit report using code 15 U.S.C 1681 and 15 U.S.C 1692 Sec.809 ( b ) They replied on XX/XX/year> stating that the account is valid. I then replied on XX/XX/year> asking them to verify that the account was mine by sending me the requested information from 15 U.S.C. 1692g. IQ Data responded back on XX/XX/year> with a letter however they didnt send me the information requested. The only information they provided was my name and the balance they claim I owe them. Ive disputed this account with the credit bureaus and it came back as verified as well. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any information furnished to consumer reporting agencies has to be accurate and can be substantiated. IQ Data also lied and said they have my signature which I never provided to them nor did I receive any documentation with it. I also requested the credit bureau to provide me with the process they used to verify the account which I still have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB )

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 2024-06-30 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: UT

Complaint narrative:
Information provided by Equifax regarding my XXXX XXXX account is not accurate. 

I have contacted and called Equifax several times regarding this account. I have provided copies of my statement and letter from the merchant indicating that the account has been completely paid off leaving a balance of {$0.00}. 

However, dispite my efforts to correct this information and dispite all documentation provided, Equifax refuses to update the balance on my XXXX XXXX account to reflect the accurate and current balance of {$0.00} on this account. 

This is causing a lot of damage to my credit worthiness by showing my account with a balance owed of more than {$50.00}. This is completely unacceptable. ( FCRA ), Public Law No. 91-508 and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness. Equifax is flagantly and on purpose violating my rights under the law. 

I have formaly requested that Equifax provide a description of the process used to viladate this information, including the name and phone number of the person contacted as indicated in FCRA. Equifax also failed to provide this information. 

Equifax is mocking the law and all agencies in charge of this law by indicating that the account is under dispute and need time to research the issue. I kindly ask the Consumer Financial Protection Bureau to enforce the law and stop giving Equifax time to resolve this matter. Equifax must update my account and post a Balance of {$0.00} in this account as indicated by the merchant. 

Equifax is the only CRA providing wrong information regarding this account. XXXX and XXXX have made the necessary correction after I provided the same documentation previously provided to Equifax. However, they refuse to update the balance of my account with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My card was authorized {$56.00} by XXXX for a home delivery order. They always authorize more than the amount of the order in case there are substitutions. The actual charge was put through on the samei authorization of {$56.00} but the actual charge ended up being only $ XXXX they are holding the {$56.00} and have collected the {$43.00} on top of that XXXX XXXX sent me a notice sayig the actual charge was updated from XXXX to {$42.00}. I have the transactions on my account for both amounts and they are talking to me about disputes and {$12.00} charges from XXXX that don't exist. They tell me the auth will fall off but it should have been resolved when XXXX put the charge through on the original authorization. Their cusstomer service is terrible with canned responses and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: KY

Complaint narrative:
Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: KY

Complaint narrative:
Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RockLoans Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX ROCKETLOANS XXXXXXXX XXXX XXXXXXXX XXXX Fl. 
XXXX, Michigan XXXX Account : XXXX Notice to agent is notice to principal notice to principal is notice to agent { RocketLoans # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX, XXXX }. 
You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at XXXX. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { ROCKLOANS XXXX XXXX } from my consumer reports. 

XXXX XXXX XXXX. 
_________________________________ Without Recourse XXXX XXXX - XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I tried to get a loan modification twice with Wells Fargo. The first time I applied with Wells Fargo they told me that they would not be able to help me because I didn't have enough income. However, Well Fargo told me that I can request a modification loan again. 

The second time I request a modification loan I gave them my sister, her husband and my brother income. Which these three was living in the home with me at the time helping me with the mortgage and bills. Then Wells Fargo told me that they would not be able to give me a modification because I needed to come up with tens of thousand of dollars ( {$90000.00} or more ). If I had tens of thousand of dollars I wouldn't have request a loan modification. 

I was so disappointed with Wells Fargo, I brought up the 1st time I applied for the loan modification that I was told I needed more income. And now that I met that qualification they were coming up with something else. I believe Wells Fargo did not want to help me. 
Needless to say I lost the home and had to vacate. Foreclosure was in XXXX 

Thank you

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 2024-06-30 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: NY

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 2024-06-30 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 recently pulled my credit report and was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were opened, which was not done by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: FL

Complaint narrative:
I cancelled my account with self financial and they're still trying to charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NC

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

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 2024-06-30 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NH

Complaint narrative:
I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g. 

As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I own a Chase Sapphire Preferred Travel Credit Card. 

On XX/XX/year>, I booked XXXX flights through Chase Travel, using XXXX points and paying {$200.00}. 

On XX/XX/year>, I canceled the flight due to the death of my partner, receiving a refund of XXXX points and {$200.00}, but I was also charged a {$220.00} cancellation fee. 

On XX/XX/year>, I submitted a claim to Chase Card Benefits Services as my case is insured according to the policy and confirmed by a Chase agent. I requested reimbursement of the {$220.00} cancellation fee. 

On XX/XX/year>, Chase approved {$18.00} for the claim. However, my policy provides coverage up to {$10000.00} per person and {$20000.00} per trip, and my claim was for {$220.00}. I requested a further review. 

On XX/XX/year>, Chase requested additional documentation : " The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, so please send us a copy of the policy. '' Despite my efforts, I couldn't obtain this from the travel supplier, so I provided all available documents, including the cancellation policy and a screenshot of the {$220.00} travel statement. 

Since then, Chase has not actively progressed with my case. I have diligently provided all reasonable documentation, including itinerary, trip receipts, and transaction records. Despite this, I continue to be asked for additional documents repeatedly. 

Given these circumstances and the lack of progress, I am preparing to file a formal complaint regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on Equifax and deleted but they are still on my XXXX and XXXX and the need to be removed for inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on XXXX and deleted but they are still on my Experian and XXXX and the need to be removed for inaccuracies.

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