vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-10-02 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-10-02 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-02 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a free checking account with JPMorgan Chase since the late XXXX 's! I have always kept enough money in all my accounts as well as my brokage accounts to not have to pay a monthly checking account fee and to get my free checks all those decades! On this month 's checking account statement on page one in bold letters it states, We're updating some check related benefits for Chase XXXX XXXX Checking, beginning XX/XX/XXXX, we will no longer offer the following free check benefits for Chase XXXXXXXX XXXX Checking. Check prices vary based on the style you order!!! I have been getting very plain checks all this time and when I called their service line ( XXXX ) on Monday XXXX to ask the Chase rep to see if I would have to pay for the checks I normally order and she said, " Yes, it will cost you {$30.00} for only 80 checks!! '' No other explanation, no senior discounts, nothing more!! I told her I was very disappointed as a Chase customer for so long, and to send my complaint to higher management!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MA

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

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 2024-10-02 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-10-02 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: MA

Complaint narrative:
My name is XXXX 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A few months back I went to analyze my credit report and seen a notice at the bottom of my screen in which I attached. I reached out to Equifax via customer service. They informed me that they didnt have a credit file of myself. I was confused because I always had a credit file and accounts on my Equifax. I attached the accounts and information that is on my Equifax credit report that was lastly updated before I couldnt refresh my credit via XXXX XXXX. Equifax instructed me to send a picture of my drivers license so they can update my file and I proceeded to but nothing was fixed. I am now making this complaint to solve this issue with my drivers license attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palmar, Inc.
State: GA

Complaint narrative:
Fraudulent item & this debt does not belong to me. Please help remove from credit bureaus, this is the 4 th time u am dealing with this same issue.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate information present on my credit report issued by all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Upon reviewing my credit report, I have identified several discrepancies related to accounts from Upstart Network , Inc . Specifically, the following negative information has been inaccurately reported : XXXX. Account Number : XXXX - Reported as charged off with a highest balance of {$14000.00}. 
- Status is misleading, as I have made timely payments historically, and the account should be reported as current. 

XXXX. Account Number : XXXX - Reported with an unpaid balance as a loss claimed by creditor. 
- This account is inaccurately depicted as overdue when all payments are up-to-date. 

XXXX. Account Number : XXXX - Similarly reported with misleading status of collection/charge-off. 
- I dispute this claim as I have records proving timely payments for this account. 

Despite my efforts to resolve these issues, including disputing them multiple times with the credit bureaus, I have not received a satisfactory resolution. Recently, I was served by a deputy on behalf of Upstart Network , Inc. 's attorneys, which has caused me significant distress. This legal action appears to be an attempt to pressure me regarding debts that I have been actively disputing and which I believe to be inaccurately reported. 

Furthermore, I am formally requesting debt validation for the accounts in question. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to receive documentation substantiating the claims made against me. I expect a thorough investigation and validation of these debts, as I have reason to believe they may not be accurate. 

The inaccuracies on my credit report violate provisions of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure that information is accurate and up-to-date. Under Section 609 of the FCRA, I am entitled to request the removal of this inaccurate information, and I am requesting immediate action to rectify these errors. 

I urge the credit bureaus to thoroughly investigate these discrepancies and validate the debts in question. Additionally, I request that all negative information related to these accounts be deleted or corrected accordingly. 

Please confirm receipt of this complaint and inform me of the steps being taken to address these inaccuracies and fulfill my request for debt validation. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: 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 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 2024-10-02 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: NJ

Complaint narrative:
Im in disagreement with the account listed below, which still appears on my credit report after your investigation. I would like this item to be immediately re-investigated. The inaccurate information is highly injurious to my credit score.

Account Name - XXXX XXXX XXXX XXXX Report Number - XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611. Can you provide the names and business addresses to whom you verified the follow up dispute Investigation. Also, what was the method of verifying my dispute. If so, what is the name and number of the parties you verified the information from. If a verbal conversation was held, can I get a transcript of the conversation with the date and time for confirmation verification. 

Please send me an updated copy of my credit report after you re-investigation. If you are unable to send me these verifications as per The Fair Credit Reporting Act, please remove this unverifiable item of my credit report. 

Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MO

Complaint narrative:
I made a error to include XXXX XXXX given CFPB ID XXXX with the report that Experian is excessively making inquiries for my information for credit cards. I apologize. I misunderstood.

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 2024-10-02 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-10-02 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-10-02 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: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: WA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I'm viewing my current XXXX Credit Report. Under potentially negative acct activity Seventh avenue  opened a {$100.00} credit limit to me XX/XX/XXXX. I remember contacting them by phone no less than 3 times since to close the acct. I don't like their products nor price 's. I made a purchase XX/XX/XXXX, XXXX says 30 days past due, XXXX says 60 days past due, XXXX is green for paid in full. XXXX XXXX still says Inactive. They made inquiry for my information XXXX without my request. In the information given under terms it says I made {$96.00} as of XX/XX/XXXX but it was reported past due. It's not scheduled to go to a positive status until XX/XX/XXXX. I think I bought a couple sets of towels for each of my kids family 's for XXXX that year. I have a freeze now on my credit bureau accts. This info is on my XXXX printed copy of my credit report. I told Seventh avenue years ago I didn't want their credit offer. All they did was stop sending me the magazine. They had no right to inquire about my info last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As a visiting XXXX, I have arrived in the United States on XX/XX/XXXX. Now I have legal status in the United States.On XX/XX/XXXX, I apply for a debit card of citi bank as my salary card. Citi bank locked my debit card from XX/XX/XXXX until now. I can't use this debit card for any payment. I urgently need to pay the rent now. 
This afternoon, I went to Citi bank ask for help. The staff told me only make phone call to solve this problem. From XXXX, I made several calls. They said I should provide verification information.I told them my US mobile phone number. They said this number is invalid.But the XXXX mobile phone number can not be reached. XXXX phone number was used when I create account. When I got a US mobile phone number, The bank staff updated my contact information. So there are two phone numbers registration. At last, they said that I can not provide valid verification information, I ask valid verification information refers to which, why US mobile phone number is invalid.They don't answerOnly repeat I should provide valid verification 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