vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: WA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 ( cfpb ). ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. Experian data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on its data file and removed. They also initiated several disputes trying to communicate to Experian, yet Experian failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Experian is literally ignoring the information forwarded by its only data furnisher. Experian uses NO other data furnisher, and it clearly states that on their report. 

I demand that Experian send any and all physical documentation from the court and not merely state verification by a 3rd party as this is not in compliance of the law. 

Failing to do so is damaging my creditworthiness and reputation.

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 2023-10-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute of the XXXX XXXX tradeline on my Experian credit report XXXX, which incorrectly shows that I have two 30-day late payments in XX/XX/XXXX and XX/XX/XXXX. As part of my dispute, I provided payment confirmation emails received directly from XXXX as confirmation to prove I made payments in both XX/XX/XXXX and XX/XX/XXXX ; therefore, the 30-day lates that appear on my credit report are incorrect. The XXXX XXXX tradeline is also incomplete because the original balance and the monthly payment information are absent. On XX/XX/XXXX, I received dispute results from Experian, which did not correct the incorrect 30-day lates or the incomplete data. The Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies must update or delete inaccurate, incomplete, or unverifiable information within 30 days. Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate and incomplete information on my credit report. I am attaching the information I submitted to Experian as supporting evidence to correct the XXXX XXXX tradeline. The attachments include the breakdown of the issues with the tradeline and the emails from XXXX, which confirm the payment dates of XX/XX/XXXX and XX/XX/XXXX. I am also providing email header information, which can be used in court to validate that the emails from XXXX are genuine. I am confident that Experian did not contact XXXX, the tradeline data furnisher, to confirm the validity of the emails. The FCRA binds Experian to validate with the data furnisher, and XXXX should have records of what emails were sent from their payment systems. I am also attaching my driver 's license to confirm I am XXXX XXXX XXXX because Experian has tossed past disputes claiming I wasn't me. At this point, I want the XXXX XXXX tradeline permanently deleted from my Experian credit 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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient improperly denied my IDR application as " too early for recertification '' when I am clearly requesting a new IDR plan. 

Navient is failing to act in good faith. They are fraudulently seeking to collect more money than what is owed rather than process my IDR plan as required by law. 

They are impossible to communicate with or work with. You can not call, or otherwise communicate with them in any meaningful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX This account has Univariable and Incomplete information please remove this from my credit report Per FCRA 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
My credit score went down by 19 %. Improper credit report was reported from my student loan payment. Credit report in incorrect.

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 2023-10-30 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: GA

Complaint narrative:
I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they increased my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! There practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Experian finished my dispute within 2 days and stated the items have been verifies which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised!

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 2023-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAND HOME FINANCIAL SERVICES
State: GA

Complaint narrative:
I emailed requested loan modification documents several times. Land Home Financial Services does not respond. After several attempts emailing modification documents, they finally acknowledged receipt. 

However, they will not return phone calls or emails for modification update. Lender retained law firm mailed a payment demand pre-foreclosure letter. 

Also, I requested evidence original loan was properly transferred and owned by present mortgage company without response. I disagreed with total balance amount owed. Again, no-response. 

I made a similar complaint to CFPB months ago. CFPB closed complaint without the responses from lender. Leaving me with same problems.

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 2023-10-30 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: CA

Complaint narrative:
I am in disbelief how Transunion can keep reporting this inaccurate account on my credit report after I have notified them over and over of this inaccurate item. This is preventing me from getting an apartment for my children.

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 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALAMEDA MORTGAGE CORPORATION
State: CA

Complaint narrative:
Why does your payment link for loan XXXX say that there is no payment due? You advertise a payment can be made online. But thats a lie because it says no balance due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On Monday XX/XX/2023 was notified by email from XXXX that JPMCB card services got a copy of my report and its and hard inquiry that I XXXX XXXX didnt approve. This is Fraud. I have report this to XXXX and Im on the phone with the card service to dispute this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TN

Complaint narrative:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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 took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Accounts Retrievable System, Inc.
State: NJ

Complaint narrative:
I'm currently being sued by XXXX XXXX  through XXXX XXXX XXXX, XXXX in XXXX, XXXX court system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TN

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit 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 non-monetary relief
Consumer complaint received 2023-10-30 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from GM Financial and 1 from XXXX XXXX on On XXXX. 

On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-30 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 XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a personal checking account with Chase bank since XXXX, on XXXX they closed my checking account with no reason provided. 
After that couple times I have tried open new account but they denied with no reason. 
I never recived any letter about the denied open checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2023-10-30 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: FL

Complaint narrative:
My credit score went down by 19 %. Improper credit report was reported from my student loan payment. Credit report in incorrect.

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 2023-10-30 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: FL

Complaint narrative:
My credit score went down by 19 %. Improper credit report was reported from my student loan payment. Credit report in incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal 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 2023-10-30 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: TX

Complaint narrative:
the inquiries are not mine. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - These inquiries are incorrect please remove.

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