vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
My credit was used fraudulently. I have filed an Identity Theft report again, as requested by Experian. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. 

I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. 

Per 15 U.S. Code 1681i ( a ) : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE FCRA IT IS A VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

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  ACCORDING TO THE FCRA IT IS A VIOLATION. 
I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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:
Transunion and XXXX are reporting an account XXXX XXXX XXXX for {$680.00}. The information posted is inaccurate and have responded by invalidating my request based on non-specifics. By law, that is not my responsibility. They have failed to properly investigate multiple times. I have no agreement with XXXX and they do not have permission to have my information. Transunion and XXXX in addition do not have permission to share my information with 3rd parties like XXXX that is inaccurate. Transunion and XXXX are in violation of the FCRA sections 1681e, 1681i and 1681s-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
XXXX and Experian are reporting an account XXXX XXXX XXXX for {$680.00}. The information posted is inaccurate and have responded by invalidating my request based on non-specifics. By law, that is not my responsibility. They have failed to properly investigate multiple times. I have no agreement with XXXX and they do not have permission to have my information. XXXX and Experian in addition do not have permission to share my information with 3rd parties like XXXX that is inaccurate. XXXX and Experian are in violation of the FCRA sections 1681e, 1681i and 1681s-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XXXX XXXX  ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XXXX CARD ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2024-04-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with XXXX XXXX  or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from XXXX  XXXX XXXX and JPCMB. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with XXXX XXXX  or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from Bank of America and XXXX. This needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I had applied for a XXXX $ loan through them and was denied. But then in my payday, they debited XXXX $ for a loan repayment plus XXXX $ monthly fee. ( The loan { {$900.00} } is to be given to me after the XXXX $ { interest? } is repayed by me, @ XXXX $ XXXX $ XXXXmonth, for a year or so... ) I never would have signed up for that knowing I can't repay it. I was trying to borrow {$200.00}?? I did customer chat first asking how that happened and I need to cancel it Bc I can't afford XXXX $ a month. She was very rude and said too bad and I would have to call someone else..so I tried emailing them and she just kept sending the same basic reply 2-3 times ... and by then I was in tears and didn't want to deal with them anymore...

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/year> ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
Delete hard inquiries and late payments ( XXXX XXXX ) ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is reporting two credit cards on my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
In XXXX I requested a credit line from the bank I have been doing business with for 8 years. I was refused the credit line, When I questioned why, I was told that the Equifax commercial bureau reports 19 unreleased liens totaling {>= $1,000,000} between XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Delinquent manner of payment on commercial credit or other commercial obligations. 

I have no idea what they were talking about. After about XXXX requests I got a copy of the report that was issued. Neither my name or any other info identifying me as the debtor was on the report. I made several calls to XXXX XXXX Common Pleas Court and they do not have any debts listed for me. The debtor in over 90 % of the cases listed is XXXX XXXX XXXX XXXX I spoke to people in the Ohio attorney General office and they have nothing under my name, SS # or business tax ID. I have sent several notes and made innumerable calls to Equifax asking for an explanation, and never get a response. I was told on XXXX different occasions that my issue would be upgraded and a manager would get in touch with me. That has not happened. No one ever got in touch with me. Because of this report I can not access a credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My payments are always made on time ; I am certain of this. However, I am uncertain as to why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
My payments are always made on time ; I am certain of this. However, I am uncertain as to why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
A company called ALLY FINANCIAL INC. has been intentionally misreporting on my credit reports. They are furnishing numerous XXXX-day late payment notations in my consumer reports, and it is ruining the accuracy and integrity of my consumer report. These constant reporting in turn are damaging my ability to get approved for new credit. it is misleading, false, and illegal. The account being reported by this company had already been disputed, but the company insist that is it accurate. ALLY FINANCIAL is in violation of 15 USC 1681s-2 ( b ) ( i ) ( ii ) for intentionally reporting bad information to the consumer reporting agencies.

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