vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items 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 items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 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 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 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 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 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 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 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 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 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 2024-01-20 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:
Hello, when I checked my XXXX XXXX on XX/XX/2024, I noticed there are multiple names on my account and XXXX accounts opened without my permission under different name. I contacted XXXX and I told him my account was locked for last XXXX years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
Hello, when I checked my XXXX XXXX on XX/XX/2024, I noticed there are multiple names on my account and XXXX accounts opened without my permission under different name. I contacted XXXX and I told him my account was locked for last XXXX years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your 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 non-monetary relief
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear Equifax, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile. 

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and EQUIFAX MORTGAGE SER, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ). 

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation. 

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), Equifax expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next 30 days. 

Failure to do so will be construed as willful noncompliance on the part of Equifax, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

Your prompt and unequivocal attention to this matter are non-negotiable. I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XX/XX/XXXX, I submitted applications to three ( 3 ) different rental properties to rent an apartment. On XX/XX/XXXX, XXXX XXXX, received by XXXX XXXX Credit Card a total of {$320.00} ( {$75.00} Application Fee & {$250.00} " Administrative Fee ''. During the background check, XXXX XXXX used a " fraudulent '' overseas ( either XXXX or XXXX XXXX entity ) who " declined '' to offer rental due to a fake police report ( NO CONVICTION OR PLEADING ). As soon as XXXX  XXXX notified me of the " police report '' which I explained was in ERROR, I rented at my current location after I notified XXXX  XXXX of my decision to not trusting them to lease from them. I notified XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) demanded that they work with XXXX XXXX to return the {$320.00}, and on XX/XX/XXXX, notified me that XXXX XXXX returned the money. XXXX credited my account after providing ALL the documentation. On XX/XX/XXXX, I started receiving " threatening '' letters from Columbia Debt Recovery LLC, dba Genesis FOR {$400.00} on behalf of XXXX XXXX. Multiple attempts to contact XXXX XXXX and Genesis to stop the " fraudulent threats '' but to NO AVAIL and THEY CONTINUE on MONTHLY basis! Last " threatening '' EMAIL received on XX/XX/XXXX and XXXX XXXX was/is OF NO HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
On XX/XX/XXXX, I mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/XXXXthat they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver license and proof of address.

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 2024-01-20 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items 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 items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 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 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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2024-01-20 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: MS

Complaint narrative:
XXXX had been paid in full but will not correct credit report. The account is still showing a balance. Experian investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their 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 2024-01-20 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: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Bridgecrest/XXXX had been paid in full but will not correct credit report. The account is still showing a balance. XXXX investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their 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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
One main financial, I had insurance in case I lost my job or was laid off at any time. I was sick and out of work. They put up a judgment against me instead of complying with their insurance payments. I once started paying back to the company they sold my information too. Then I was sick contacted XXXX XXXX and associates, they said oh it's fine contact us once you get back employed. They started a garnishment behind my back after I contacted them multiple times. I keep all correspondence because of scammers like the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit 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 2024-01-20 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: NC

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX From : XXXX : XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX [ XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention to this matter.

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 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2022, I returned my XXXX XXXX equipment to the XXXX XXXX XXXX store to close my account. I notified the customer service agent that I would be moving and wanted to pay any remains balance that day. He gave me a receipt for my returned items and I left. I never received a balance or receipt of a balance. I also notified him of my new address, which is on my drivers license. After I closed my account, I spoke with a representative about the remaining balance that was required to pay. I was told that I would be able to pay the remaining balance on my XXXX  app. My XXXX account was soon locked and I was unable to access the application. I made repeated attempts to contact XXXX by phone, but I was never able to pay the remaining balance because I was told that the account was now closed. For several months, I would attempt to contact XXXX XXXX and was given an automated message for hours. When I was able to reach a customer service agent, they could not access my full XXXX account number and told be I would receive emails or letters to correspond with the remaking balance. I moved to a new address and did not receive any mail attesting to the remaining balance from XXXX. I finally received a phone in XX/XX/XXXX from TSI, a collections agency, and agreed to pay a reduced amount of {$110.00} to settle to the debt collection of {$130.00} and remove the delinquent payment from my credit score. I paid the balance of {$110.00} by phone. I received no receipt following our correspondence via email or by mail to my new address. The representative notified me that XXXX would be notified in two business days of the resolution. On XX/XX/XXXX and XXXX, I received calls from another collections agency with the phone number ( XXXX ) XXXX regarding a debt from XXXX. When I notified them of my recent payment, I was told by the customer service agent on XX/XX/XXXX that the matter had not been resolved and I needed to provide him with my routing and account number to pay the remainder balance. I was very anxious and scared by his comments and began to doubt the validity of the call. I have been a XXXX XXXX customer for 10 years and have never experienced an ordeal like this. I have never missed a payment and feel some of these actions have been predatory in nature. I didnt not receive the proper correspondence or notification of my debt for the opportunity to resolve it. Further, my credit score has been adversely impacted and I fear my personal banking information is now widely available to several entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, we applied for a cashier 's check at the Chase Bank branch in XXXX XXXX. The check number was XXXX. Unfortunately, the check was later lost. Consequently, we immediately called customer service on the same day to request a stop on the check. We planned to visit the bank counter the next business day to report the lost check. However, due to the COVID-19 pandemic, all bank counters were closed, and they were unable to process our stop check request. This situation resulted in a loss of {$100000.00} for us. We have been continuously communicating with the bankers at Chase 's XXXX XXXX branch regarding this matter, but so far, we haven't received a resolution.

Company response to consumer: Closed with explanation