vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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:
I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : An inquiry was made by a company called XXXX on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 

An inquiry was made by a company called KLARNA/WEBBANK on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 


XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete. 

XXXX XXXX Bank Account number XXXX This account is not accurate. Please delete. 

XXXX XXXX BANK XXXX account XXXX. This account is not accurate. Please delete. 

SELF /ATLANTIC XXXX B account XXXX. This account is not accurate. Please delete. 

SELF FINANCIAL/LEAD BANK account XXXX. This account is inaccurate please delete this information. 

According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. 

Please investigate and update these items 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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please correct and update it 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
Please correct and update it 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 2023-12-05 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: PA

Complaint narrative:
XXXX XXXX, Equifax, XXXX are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that XXXX XXXX, Equifax and XXXX show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXX /XXXX  Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: PA

Complaint narrative:
XXXX XXXX, XXXX, Experian are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that XXXX XXXX, XXXX and Experian show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX Account # 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 2023-12-05 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2023-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I asked my aunt to help me procure a loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She had used Sallie Mae so she said let 's try them. No one explained to either one of us that we could not change the terms of the loan at any time. She chose the lowest interest rate but didn't realize that meant I would have to pay {$200.00} every month, which I can't afford and she can't either because she has XXXX children with XXXX XXXX and company lay offs. I was going to offer to try to pay something each month but they said it has to be {$200.00} and I can't even afford food right now since I was unable to find a job that would pay much with the course load I have in my XXXX XXXX I am the first of XXXX kids to go to XXXX- my parents didn't go and are on section XXXX and I formerly spent time in XXXX XXXX... .there is really no one I can turn to. My aunt tried to help but now I'm worried I will have ruined credit before I even get a job as a XXXX XXXX XXXXXXXX XXXX I explained this to them and asked is there anything they can do to help me and they said no. The repayment was deferred for 2 months and now they want {$400.00} immediately. What can I do to avoid what this woman XXXX ( XXXX XXXX ) told me was " very bad things where you will have bad credit and they will put leins on you and any wages you make ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer Collection XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair threatening practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm Entitled to {$1000.00} dollars per violation and clearly they violated my rights.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

{$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Chase bank regarding several unauthorized ACH withdrawals from my Business Checking account. There were XXXX transactions totaling {$13000.00}. 


The Representative stated documents will be mailed & i should receive them within XXXX business days - that i should sign and return them. None arrived. 


On a second phone call, I was asked to go in person and file a Disputed Transaction form. I went into the XXXX XXXX branch in XXXX, TX and the branch XXXX faxed it in. 


Meanwhile, i received an email notification stating I received a letter on the online banking portal. 

The online portal showed multiple documents. 
XXXX. Stating that the claim was closed XXXX. Asking me to complete the same Dispute Transaction form and fax or upload it XXXX. Stating that the claims were too old and will not be paid XXXX. Stating that these Transactions were authorized XXXX. The initial document dated XX/XX/XXXX arrived on XX/XX/XXXX -- asking me to sign and send a document on XX/XX/XXXX ( when I did not even have it in my possession ) I have spoken with XXXX different people from the Claims Dept and each person offered me different information. 

The XXXX person i spoke with advised me to close the account and open a new one. I did that. 

On mulitple occassions, i requested any information that shows I authorized these transactions. The purpose was to contact the merchant directly and resolve the issue. I was told that it wasn't available and would have to be request from 'the back office '. Today ( XX/XX/XXXX ), I was transferred to the Retail Business Service dept. The Representative transferred me back to the Fraud/ Claims department as he could not access a 'closed account '. 

Here are the dates & charges in dispute : XX/XX/2023 - {$1500.00} XX/XX/2023 - {$2100.00} XX/XX/2023 - {$1200.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1800.00} XX/XX/2023 - {$1400.00} XX/XX/2023 - {$1700.00} A Financial Institution should not be allowed to arbitrarily presume that a Merchant or their Bank sending an electronic message stating the charges were Authorized is accurate. That Merchant should produce documentation that I authorized these large withdrawals. 

I am a small business owner and this financial loss is devastating. More than that, my funds should be safe from unauthorized electronic withdrawal and access.

I sincerely believe that I am the victim of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive

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 2023-12-06 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: MO

Complaint narrative:
Experian closed another complaint without addressing the issue and gives a incredibly XXXX response that once again has absolutely nothing to do with the problem which is Experian NOW hasstolen 18 months of on time never late payments to XXXX and refuse to give them back not to mention my account has double bank accounts of the same account and XXXX another accounts they say need to be connected I was told b there customer service rep in XXXX that I am not a paying member so they can help me well I became a paying member a they still refuse to help

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 2023-12-05 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have been using a usbank focus payroll card. On XX/XX/ at XXXXXXXX XXXX I got an alert on my phone that three separate chargers were added to my account all via ATM charges. The first charge was for XXXX, the second charge was for XXXX and the third charge was for XXXX. I havent lost my card or given my information out so I do not understand how this was possible. I called my bank as soon as I noticed which was at XXXX XXXX I canceled my card and tried to report the charges as fraudulent. I was informed that the charges were withdrawn from Florida which is across the country from where I am. Usbank stated that they will start an investigation and mail me paperwork that will arrive in three business days. They stated that the investigation can take up to 90 days and that they will not return the money that was stolen until the investigation is finished, and that it was proven that fraudulent activity has taken place. I also ordered a new card that should arrive in 7-10 business days. I plan on making a police report today.

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 2023-12-05 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: AZ

Complaint narrative:
Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S code 1692e False or misleading representations XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX. 
XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-12-05 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: NJ

Complaint narrative:
Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the GLBA, NPI includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information.

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action.

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ALPHA MIDCO INC
State: AZ

Complaint narrative:
Creditor listed as XXXX XXXX for {$710.00}. I dont know what this is in regards to

Company response to consumer: Closed with explanation