vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I noticed some unfamiliar items on my credit report, which suggests that my identity may have been stolen since I did not authorize these accounts. I've raised this issue before, and I'm now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If we can not resolve this, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are severely hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.

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 2024-09-25 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.

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( 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 consumer 's 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 2024-09-25 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.

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( 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 consumer 's 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 2024-09-25 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: TX

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my Experian credit report related to an account with XXXX, Account Number : XXXX. The information reported by XXXX is incorrect, and I would like your assistance in resolving this matter. 

The account in question is marked as " Paid, Closed, '' with a {$290.00} balance written off. However, this is inaccurate because I paid the full balance directly to XXXX, and no amount was written off. The account should reflect the accurate status of " Paid in Full '' with no write-offs. 

I have already attempted to address this matter with XXXX  without success, and I am now requesting your assistance to correct this error. This inaccurate information is negatively impacting my credit report, and I would like it corrected as soon as possible.

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 2024-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and anxiety. As a victim of identity theft, I never authorized this information to be associated with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the correction and update of the payment history for my account with XXXX XXXX on my credit report. The current payment history displayed by TransUnion is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the account should be listed as Paid rather than just Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect TransUnion to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made.

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 2024-09-25 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-25 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding the inaccurate reporting on my credit report and the failure of the company to respond to my dispute attempts. 

Inaccurate Reporting : XXXX XXXX XXXX has reported my account as being 60 days late in XXXX XXXX 90 days late in XX/XX/year>, and 90 days late again in XX/XX/year>. This information is entirely false. I have consistently made all payments on time, and there is no legitimate basis for this late payment history to be on my report. 

Account Balance : Additionally, the account is showing a balance of {$6.00}, which is also incorrect. The account should reflect a {$0.00} balance, and I do not owe any outstanding amount to XXXX XXXX XXXX. 

Failure to Respond : I have made multiple attempts to contact XXXX XXXX XXXX by sending dispute letters to the address listed on my credit report, only for the letters to be returned as undeliverable or ignored without any response. The companys failure to address my dispute is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-09-25 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is a corporate credit card and it was paid late by an employee that was terminated. This is gone against my personal credit and has not affected my corporate Credit. 
I explained the situation that the employee knew they were being terminated and did not pay bills so we had scramble to get things paid and have never been late any other time. 
I dont know why my corporate account is affecting my personal credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
requested verification of accounts including signed contract, also requesteed 1099c since account states it is a " charge off '' havent received either

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 2024-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
requested verification of accounts including signed contract, also requesteed 1099c since account states it is a " charge off '' havent received either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My mom passed away XX/XX/XXXX, after which I was appointed by the probate of legal representative of her estate. on XX/XX/XXXX, received a letter from XXXX XXXXXXXX XXXX  office saying capital one N a journey has filed a claim against my moms estate for credit card debt owed. I immediately called the company got in touch with a representative asked questions about what the amount was. When was the account open? They provided me with that information upon further research. I discovered that the statue of limitation in the state of XXXX XXXX is XXXX years hence the credit cards open in XXXX for your statue of limitation expired in XXXX credit card opening XXXX for your statue limitation expired in XXXX when I called back XX/XX/XXXX I got transferred to several representatives for the company and the last representative said that she did not understand where I got my information for that. It is not on the website or its not her job to agree or disagree with the information I have she insisted I send her all the information where I got this research from I politely asked for her to send me all the documents regarding the two accounts in my mothers name so we can see what for the action we need to take. She did get very defensive and threatened that the documents might not get there within XXXX to XXXX business that she has no control over it and she kept repeating herself saying that I needed a legal representation when I told her that is something that I would think about she immediately stopped and asked if I already had legal representation she was very defensive falsifying documents trying to put blame on me that I did not reach out or Im not answering the phone so the blame game started. is it proceeded to inform her that every single conversation with her and all the representative from Capital One and a journey has been recorded is when she really calmed down and I informed her I will be happy to file a complaint against the company and self my advice to everybody is do your research before you call this debt collectors back and record yourself every time because the malicious false information and intimidation that comes from this representative is the reality of de collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I received a deposit over the counter for {$8000.00} from a company that my brother uses the services, and he should pay them after I confirmed to him that I could use those funds. Because it was a check, we know funds are blocked from use until the Bank verifies the funds are available. It was not the case. On XX/XX/year> I processed a transfer for {$5000.00} and authorized my brother to pay the {$8000.00} because my bank allowed me to use the funds meaning the deposit was successful. ( my brother doesn't have a bank account in XXXX, he uses a company service that offers to lend money by depositing in a bank account, and after confirmation the funds are available, they charge a 6 % commission ). 
On XX/XX/year> another deposit was made to my account for {$8000.00} ( I didn't know about it ) then on the same day a return deposit for {$8000.00}, then on XX/XX/year> another return deposit for the same amount. Clearly, it was a fraud, but I opened a claim with my bank, not for fraud, it was for a reimbursement of {$8000.00}. I complained about why the bank allowed me to use money that did not exist and made me take the bad decision to authorize payment to the fraud company. The bank denied the claim saying THE ACTIVITY/TRANSACTION WAS AUTHORIZED BY ME. They sent me proof that I don't understand how I can made deposit over the counter in XXXX  and XXXX if I live in XXXX I asked the bank to show me the ID of the person who made the deposit and pictures, and they said " We already concluded the case ''.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
My Discover XXXX XXXXXXXX card was closed due a " business decision. '' I called Discover card and was transferred to five different people. None could provide any information. Several confirmed that I would not receive a year end match of reward miles. Their website shows I am owed XXXX XXXX, which is worth {$2000.00}. So they made a business decision to steal {$2000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2024-09-25 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2024-09-25 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-09-25 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Kahn, P.A.
State: FL

Complaint narrative:
I co-signed a loan for my daughter with XXXX XXXX. Out of the blue yesterday I was served. I have never received any correspondence from XXXX XXXX, in the summons it states there were two companies that purchase the loan. I never received anything from either company until yesterday that I was served. Thia loan went from XXXX XXXX to XXXX XXXX XXXX and then XXXX XXXX XXXX who is the one that is issuing the lawsuit. I have no information, and I have never received anything from any of the companies mentioned above. How in the world do you just start a lawsuit without ever contacting the co-signor? Why not first start with the primary person that took out the loan and give her the opportunity to work on a resolution? There is another co-signor who was also served by the same company who was not provided any information.

Company response to consumer: Closed with explanation