vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
In all my credit bureaus XXXX XXXX has showed late payments when they werent late. I was doing a loan consolidation and they put me as having XXXX loans and late back 2019 when it was the customer service rep fault. Anyway come till this year. I received a borrowers defense loan forgiveness and according to student .gov all negative history must be deleted. I have disputed these acct and they wont delete off my credit report. I have worked really hard not to have anything negative in my report and have good credit. XXXX XXXX took my late payments when it was from fed financial and when the goverm changed the loans all around over and over doing covid. I want my history wiped out as states by law.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2025-01-08 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2025-01-08 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/year> Asked numerous times to close my account. I was told it could only be closed ifi could prove fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I had signed on to this apartment lease as a XXXX applicant, and was unaware of the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone deposited a check withdrew the funds made withdrawals on an account me and my daughter had together in which we thought the account was closed since we havent used the account in almost XXXX years

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 2025-01-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-08 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-08 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-08 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: OneMain Finance Corporation
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. 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 ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXX, UNITED STATES COURT OF APPEALS, FOR THE THIRD CIRCUIT, No. 9 6-15 5 3, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizens have violated my privacy on my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ... ... ... XXXX. Has violated my rights 15 USC 1681 section 602 states i have the rights 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. 
And a creditor my not treat a late payment credit under an open end consumer credit plan as a late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi charges exorbitant fees on my credit cards. 
I have held the Citi Choice card since XX/XX/XXXX and at that time the Federal Reserve had interest rates at 10 % and my Citi interest rate as a fairly new consumer was approximately 14 %. Fast forward 35 years. The Fed funds rate is 7.5 % yet despite tier XXXX credit with NEVER a late payment Citi is charging me 22.97 % interest on same account. 
I was told by the agent today that it is because of the interest rate and inflation. I told her that I can understand IF I were a new consumer with either no credit history, late payments, a XXXX or other debt issue on my credit report. 
In XXXX of XXXX Citi began to raise my interest rate ( Despite my perfect XXXX XXXX of XXXX ) on this account from 8.95 % to 22.97 %. At that time I questioned the change and requested a lower rate. I was denied. I continued to work down the debt and medical bills over the last XXXX years. 
Today I contacted Citi to request a rate reduction. I spoke to individual agents from XXXX and then finally spoke with a manager in XXXX  after many calls and requests. 
XXXX the manager in XXXX  indicated that I have one of the lowest rates ( 22.97 % ) that she has seen in 4 years and that Citi is NOT reducing CC rates at this time. 
I indicated that I have been a customer for 35 years, Have tier XXXX XXXX XXXX XXXX and never any late payments yet she said they could not reduce my rate from 22.97 % to anything lower. The fact that CITI is able to wait until a consumer carries a balance and makes minimum payments prior to " Suddenly Adjusting '' the interest rate UP from 8.95 % to 22.97 % for a 35 year customer with perfect credit and No late payments is BS. 
This is OUTRAGEOUS! 
Legislation needs to be enacted stat!

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Applied for a new vehicle XXXX for the principal, and felt like I was destriminated against

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
Regarding my XXXX XXXX account, I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Closed Account by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX  XXXX for incorrect reporting of a closed account. I have reviewed my credit report and discovered that XXXX XXXX is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing XXXX and XXXX  days late, even though under the Fair Credit Reporting Act ( FCRA ) Section XXXX, a charged-off account should not be reporting a balance or late payment statuses. Below are the details of the account in question : Creditor Name : self financlal Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. It reports late payment statuses ( 30 days, 60 days ) on a charged-off account, which is in violation of FCRA regulations. Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that XXXX XXXX is in violation of this rule, and as a result, this is impacting my credit report inaccurately. I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that self financial corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> Today I opened a Citibank checking account I put XXXX and now my account is under review, I got blocked and I cant access to my money with no explanation

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 2025-01-08 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
For the record... 
I Am XXXX XXXX : XXXX XXXX agent on behalf of the estate that this debt is being reported to I XXXX shall not be with LEGAL NAME I have appointed the IRS as trustee and fiduciary of the Estate/Account/Principal XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and instructed that this debt be discharge XXXX XXXX XXXXXXXX of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$360.00}

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
A unlawful attempt to collect debt from XXXX XXXX by this company true accord corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief