vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
I disputed information on my credit report that was inaccurate inXX/XX/XXXX I asked the credit bureau to investigate every piece of information on the account I have listed below According to the FCRA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom she is acquainted or may have knowledge concerning any such items of information They say my account is verified but how if they did not properly do an investigation according to the law. They are still reporting this information on my credit report And according to the FCRA 15 USC 1681 everything has to be 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
I have previously disputed this account and I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. Please provide me with method of verification. These inaccuracies are highly injurious to my credit rating. Please provide documentation which justifies your belief that this erroneous account is accurate and in fact reporting per the FCRA requirements. 

XXXX  Account Number : XXXX Date opened : XX/XX/year> Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these erroneous accounts.

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 2024-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My Heloc was modified at or around XX/XX/2023. I continue to make timely payments at the beginning of the month for more than the actual payment. I was continually told that my mortgage payments were late via phone calls and mail notices. However, when I called in to discuss the matter, they told me I paid on time and the payments were more than the minimal payment. The matter was worked out and they said I was paying on time, but my account was charged with late fees. The phone agent stated they could reverse one fee but couldn't address the others. I'm seeking reimbursement for the late fees charged in error. Any assistance will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have this hard inquiry removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
XXXX, Experian, & XXXX are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-04-07 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: GA

Complaint narrative:
Equifax claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: NC

Complaint narrative:
Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. BRANCH B & T 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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Last year, I was having issues canceling subscriptions with 3 different companies : Amazon XXXX, XXXX and XXXX XXXX. These companies were making it impossible to cancel so as a last resort, I closed the checking account and linked debit card entirely and opened a new checking account and new debit card on XX/XX/2023. To my dismay and without my permission, Chase linked my new checking account to the old one and continued to allow those companies to debit my account on a monthly basis. Last week I spoke with Chase and filed disputes to get my money back and I was immediately told that my disputes would be rejected because I didn't cancel my subscriptions with those companies. I spoke to a supervisor in the claims department and tried explaining to her that I had completely closed the old checking account BECAUSE I couldn't cancel, but she very rudely hung up on me instead of listening and doing anything to help. Yesterday, I received a letter from Chase confirming that my claims had been denied. I find the fact that Chase has allowed any charges to go through a closed checking account very disturbing and represents severe derelict of duty. Chase is my financial institution and should be my advocate. But not only did they break the law by allowing transactions to go through a closed checking account, they wouldn't even give me a chance to explain and Iiterally hung up on me instead. Since then, Amazon did cancel my subscription and refund the money, but XXXX and XXXX XXXX will not. And just to add some insight, the FTC is currently suing Amazon for making it impossible to cancel XXXX subscriptions. So it's not like it should be a surprise that I couldn't cancel as well, nor should it be a surprise that other companies make it equally impossible to cancel. I did everything in power to make those charges stop and the only acceptable outcome would have been for Chase to decline any payments attempting to come out of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
XXXX, Experian, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' XXXX XXXX is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CarMax, Inc.
State: CT

Complaint narrative:
I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ CARMAX AUTO FINANCE XXXX XXXX XXXX $ XXXX DEPARTEMENT OF ED.XXXX {$2600.00} $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MOHELA
State: CT

Complaint narrative:
I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX $ MOHELA DEPARTEMENT OF EDXXXX {$2600.00} $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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 have previously disputed this account and I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. Please provide me with method of verification. These inaccuracies are highly injurious to my credit rating. Please provide documentation which justifies your belief that this erroneous account is accurate and in fact reporting per the FCRA requirements. 

XXXX  Account Number : XXXX Date opened : XX/XX/year> Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these erroneous accounts.

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 2024-04-07 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The information on the credit report is incorrect. I am a victim of identity theft. I have submitted proof but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2019 XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-07 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: Altisource Portfolio Solutions, S.à r.l.
State: DE

Complaint narrative:
Altisource/Lendersone date XX/XX/year> I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/year>. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
The information on the credit report is incorrect. I am a victim of identity theft. I have submitted proof but to no avail.

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 2024-04-07 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:
The information on the credit report is incorrect. I am a victim of identity theft. I have submitted proof but to no avail.

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