vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-05-30 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: NV

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This account has been closed for over 3 years.. the vehicle in question was returned to the company. They are now reporting that its open and Im 180 days late on payments which is causing my credit score to drop. Under 15 USC code 1692.. theyre calling n harassing me to pay a debt that was settled and threaten to reopen ( which they did ) hurting my credit score. This account was closed and shouldnt have been reopen. I gave no consent to furnish or obtain my 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A lot of addresses and names on the report are inaccurate and do not belong to me. I have not lived at some addresses nor have I used the names listed.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I was informed by XXXX, I could not dispute an address as its associated with an account on my credit report. I have no idea where either verso credit or XXXX XXXX XXXX XXXX  came up with the address they are listing in my credit report. I am unhoused with a XXXX XXXX XXXX and cant get approved. The question that is asked is why I dont list the address that shows up on the background/credit. One address I have dont know of or know anyone that lives there, the second address was for mailing purposes only, I never lived there. My place of rental at the time was at a XXXX XXXX XXXX XXXXXXXX XXXX in XXXX ca & that is my current situation XXXX XXXX XXXX 

I attached 4 screenshots showing what a landlord see & what is reported on my credit report. Verso credit appears to falsely adding address that does not exist to my account. The XXXX XXXX XXXX XXXX in XXXX California is correct but they turned around and listed as XXXX XXXX XXXX XXXX XXXX, ca XXXX. This address does not exist and I did not provide them that information. 
The address XXXX XXXX  XXXX XXXX in XXXX ca XXXX, I have no affiliation with this address & I did not give them this address as a reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Factual data is now stating that my XXXX report is still showing a block or alert, that I have no XXXX XXXX and no accounts. XXXX says this is untrue and for factual data to call their business line. Factual data said theyll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. Theyre costing me a house. My XXXX score is over XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
In the week of XX/XX/year>, I logged into my https : //app.juno.finance account and saw a message that " Cash services are temporarily unavailable due to issues with our banking service provider. '' Looking through their help articles and chat they said that ACH services are not available. 

I just want to withdraw my remaining cash deposits, and close my account. 

I messaged support on XX/XX/year> asking if closing my account would allow withdrawal of my money, and in what timeframe. I do not require ACH, a paper check to my address on file would be enough. 

Later that day I received a response : " Please be informed that closure requests can not be processed at the moment due to ongoing interruptions in our services. As a result, account closure requests are temporarily suspended. While we actively collaborate with our banking services provider to restore these services, we understand the frustration this situation may cause. 

Currently, we won't be able to send you your funds. I apologize for any inconvenience. '' I don't find this acceptable ... these are cash deposits in a bank account ( FDIC insured per Juno ), and not, for example, crypto that need to be sold. 

I just want to withdraw my remaining cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TN

Complaint narrative:
I was called although I have no idea how this collection agency got ahold of my phone number but claimed to be attempting to collect a debt that was owed by my deceased husband.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-30 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX Acct no XXXX XXXX XXXX Acct no XXXX XXXX card Acct no XXXX XXXX XXXX Acct no XXXX XXXX XXXX XXXX Acct XXXX XXXX They have violated my rights.

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 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 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 2024-05-30 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  no XXXX XXXX XXXX Acct no XXXX XXXX card Acct no XXXX XXXX XXXX Acct no XXXXXXXX XXXX XXXX XXXX  Acct no XXXX They have violated my rights.

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 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 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 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I continue to have issues with former bank JP Morgan Chase Bank. As of XX/XX/year> I continue to receive multiple fraudulent alerts stating that an account ending in XXXX has been being used in transactions. I believe that Identity Theft has resulted due to improper use and disclosure to my account and or alleged accounts previously held by JP Morgan Chase Bank.

JP Morgan Chase Bank has initiated litigation of alleged money owed. JP Morgan Chase Bank has filed ( 2 ) civil lawsuits for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-30 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-30 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery placed an inaccurate and unverifiable collection on my 3B credit report.

Moreover, the original lender, agency name, status and comment section is inaccurate and inconsistent between XXXX, XXXX and XXXX. 

Lastly, Portfolio Recovery Associates indicated to XXXX that they were the original lender. I have never borrowed or done any business with this company before.

This insertion does not follow XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: ND

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-30 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. The account is 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
AN FTC AND POLICE REPORT HAS ALREADY BEEN FILED AND SENT TO ALL THREE CREDIT BUREAUS ; BUT I AM STILL RECEVING LETTERS AND PHONES CALLS FROM THESE COMPANIES. I WANT THESE PEOPLE TO GO AWAY AND LEAVE ME ALONE FOR GOOD! I HAVE TAKEN THE NECESSARY STEPS LIKE THE CREDIT BUREAUS TOLD ME TO DO. THESE ITEMS ARE STILL SHOWING UP ON MY EQUIFAX AND XXXX REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Joined XXXX XXXX XXXX in XXXX and it is a 100 % guaranteed program. In XXXX I sent an official message stated I wanted a refund and it was not working. I was given a reply that stated I needed to continue for the year and then he would give me my refund and {$2000.00} on top of it! I have since then been deleted and blocked from everything. Affirm is condoning/supporting the scam that XXXX XXXX XXXX is running.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This dispute is against AMEX for their unfair and deceptive business practices. I have been a cold-holder for more than 20 years with AMEX.

I have spent more than two and a half years trying to cancel my AMEX business card. I have paid late fees and been overly accommodating. With hours of my own time trying to get a cancelled card removed with no transactions hitting, I continued to be hit with late fees ( I have an open card with AMEX that I pay monthly but the cancelled card should NEVER have any posted transactions or interest. This is the last straw. In addition to paying late fees, AMEX sent me a statement that had an interest payment for {$5.00} due XX/XX/XXXX. This is an interest payment for a card that has been cancelled ( since XX/XX/XXXX ). 
This is financial harm and could negatively impact my credit score. I have attempted multiple times ( please verify this information with AMEX ) over the phone and now I have no resource except to submit to the Consumer Bureau.

Also noted, when I tried to dispute this today, I get a message that their online dispute is not available at this time ( screen shot below ). 
Please help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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: VA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation