vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-31 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:
recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-31 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:
Equifax is still reporting a closed account as active. 
Please follow up with Equifax credit reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
REINVESTIGATION REQUEST NOTICE XX/XX/2024 ACCOUNT : XXXX XXXX XXXX I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX Account Number XXXX ), ( XXXX XXXX  Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate XXXX 

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

check the attachments below.

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 2024-03-31 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: FL

Complaint narrative:
I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX ), ( XXXX XXXX Account Number XXXX ), Hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate XXXX 

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

check the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: NC

Complaint narrative:
XXXX, XXXX, and Experian credit bureaus have failed to remove the accounts associated with identity theft that they've received fraud reports identity theft affidavits police reports proof that I'm under XXXX  XXXX  and proof that there's no way that I purchased a vehicle or any got any credit cards and instead of removing them they continually lie on documentation and have said that I have received something of material effect which is a baseless falseless claim all of these accounts associated with my credit bureau currently are all fraudulent and I asked the consumer financial Protection bureau to actually do something about it instead of allowing them to continue to violate my rights and allow accounts that violated multiple Federal statues to continue on my credit report they have received proper documentation to remove these items and I request that you remove XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX which does not match my birthday it has a birthday of XX/XX/1981 which is not my birthday this again is fraudulent accounts allowing the usage of my social as well as credit bureaus and for the better part of 8 months I've been trying to get these items removed and XXXX Experian and XXXX lied and gave me forge documents that actually are baseless claims and completely falsified claiming though a XXXX person in assisted living is somehow purchasing vehicles and getting credit cards this is beyond pathetic the credit bureaus owe me significant damages and I want the money paid to me I've asked for months on end they violated every Federal statue that guides them and it's about time you guys actually do something I mean what do I have 140 complaints with you guys at this point and you've done absolutely nothing.

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 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I applied and received a personal loan from One Main financial and was sold add on services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NC

Complaint narrative:
XXXX, equifax, and XXXX credit bureaus have failed to remove the accounts associated with identity theft that they've received fraud reports identity theft affidavits police reports proof that I'm under Doctors Care and proof that there's no way that I purchased a vehicle or any got any credit cards and instead of removing them they continually lie on documentation and have said that I have received something of material effect which is a baseless falseless claim all of these accounts associated with my credit bureau currently are all fraudulent and I asked the consumer financial Protection bureau to actually do something about it instead of allowing them to continue to violate my rights and allow accounts that violated multiple Federal statues to continue on my credit report they have received proper documentation to remove these items and I request that you remove XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which does not match my birthday it has a birthday of XX/XX/year> which is not my birthday this again is fraudulent accounts allowing the usage of my social as well as credit bureaus and for the better part of 8 months I've been trying to get these items removed and XXXX XXXX and Equifax lied and gave me forge documents that actually are baseless claims and completely falsified claiming though a XXXX person in assisted living is somehow purchasing vehicles and getting credit cards this is beyond pathetic the credit bureaus owe me significant damages and I want the money paid to me I've asked for months on end they violated every Federal statue that guides them and it's about time you guys actually do something I mean what do I have XXXX complaints with you guys at this point and you've done absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
Trans Union you removed the wrong account off my credit report you removed my XXXX  account you drop my XXXX XXXX XXXX points XXXX financial was not supposed to come off the XXXX dollar loan that was paid was not supposed to come off the collection was, you are destroying my credit and XXXX gon na get a lawyer and sue you. You did not have no right to remove my XXXX  account at all at all the data furniture said they did not have that removed Trans Union. I demand you to put my XXXX back on my credit report and remove the collection. XXXX gon na send you the collection and then XXXX gon na send you my good account that collection was supposed to come off and you remove my XXXX  account you dropped my XXXX XXXX XXXX points and I want to get a lawyer and I want to sue now, that was very illegal what you did to me you removed my XXXX account and you left the collection on you were supposed to move the collection and leave my XXXX  account on my XXXX  account. This paid as agreed and for you removed and you left the collection on there you destroyed my XXXX XXXX my husband just passed away and XXXX trying to get a home loan. You are ruining me and I will get a, consumer finance lawyer and I will sue 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 non-monetary relief
Consumer complaint received 2024-03-31 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO Account XXXX 15usc 6801 Protection of Non- Public Information Wells Fargo has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy Wells Fargo did not clearly and conspicuously provide the disclosure forms.

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 2024-03-31 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was not notified that XXXX XXXX was on my credit report. Upon obtaining my consumer report, it shows XXXX XXXX as a closed account. I never gave written permission to report this account on my credit report, nor did I give XXXX XXXX the written permission to sale my debt to a third party lender. I was reached out by XXXX XXXX XXXX, a third party lender, and I paid the debt as a settle pay on XX/XX/2024. I don't owe XXXX XXXX any fees or amounts to this account. XXXX XXXX XXXX reported to the XXXX credit bureaus, XXXX XXXX to remove the closed inquiry from my credit report but the closed account, XXXX XXXX XXXX XXXX visible.

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 2024-03-31 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CREDIT UNION Account XXXX 15usc 6801 Protection of Non- Public Information NAVY FEDERAL has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NAVY FEDERAL did not clearly and conspicuously provide the disclosure forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
There were XXXX unauthorized transactions on my account amounting in {$570.00} Chime denied my dispute and when I asked for documentation of why they sent over an email with no documentation of why they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TN

Complaint narrative:
On XX/XX/2024 I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the XXXX data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.

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 2024-03-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then XXXX day I received a notification that my XXXX score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( CITICARDS CBNA ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is mail only, they apparently have no email or phone number. I contacted Citi bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but XXXX weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now XXXX trying the next step to get this handled.

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