vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I sent certified letters to XXXX, XXXX, and Experian stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from XXXX requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by XXXX is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received two depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to Experian dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, XXXX, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in XXXX, XXXX, XXXX, or XXXX. I seems that Experian is cross-referring credit data with the wrong people.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXXXXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX XXXX  XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

Transunion denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from XXXX and XXXX. My credit score continues to be impacted.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXXXXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX  XXXX XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

XXXX denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from Equifax and XXXX. My credit score continues to be impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX XXXX  XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXXXXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

XXXX denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from XXXX and Experian. My credit score continues to be impacted.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CT

Complaint narrative:
I am lodging a complaint regarding incorrect reporting of a child support case on my credit report. According to the Connecticut Department of Social Services ( DSS ) and the child support court in Connecticut, there is no active case related to child support under my name, and the account in question is closed. Despite this, I have discovered that this closed case is being reported as an active child support case on my credit report. 

I have made multiple attempts to resolve this matter directly with the credit bureaus. I requested detailed information on the entity responsible for reporting this information, including the source and methodology used for the reporting. Unfortunately, I have received no feedback or clarification from any of the credit bureaus, which has only exacerbated the situation. 

As you are aware, under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), consumers have the right to dispute inaccurate or incomplete information in their credit report. Moreover, according to the XXXX XXXX Method, credit reporting should follow proper guidelines and only report accurate and verifiable information. Since the child support case is closed and there is no active case per the Connecticut Department of Social Services, I contend that the reporting of this closed case on my credit report is erroneous and violates both the Fair Credit Reporting Act and the XXXX XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The negative effects of these inaccuracies have been XXXX and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter saying that I abused the claims process and that they would be closing my account. This didnt make sense so when I called I was advised they could close my account for any reason at anytime. I received my direct deposit and my online account doesnt show closed at all. The direct deposit of my social security doesnt show up at all. The XXXX XXXX latter it was manually entered. I was advised that I would not be able to access the money that I received from social security and there was nothing I could do about it. They closed my account account without informing me the day before my deposit hit. I received my deposit XX/XX/year> and still dont have my check, nor a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
Final Legal Action Required Immediate Attention Needed for Compliance with Federal Laws This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2024-11-26 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: NY

Complaint narrative:
I have been disputing for a few months with the credit bureaus. There are multiple accounts on my consumer report that showed payment status as late one or more times which is inaccurate. I asked the credit bureau to provide to investigate and provide documentation to how they verified the accuracy of the late payments and they have not provided that information. All they say is the account was verified. I disputed again requesting a re-investigation and if they were unable to provide the documentation to how they verified to please update the payment status to XXXX. Instead of updating the status from late XXXX XXXX XXXX XXXX to XXXX they update it to CO, Charged OFF. My accounts have never charged off. 

How can an account show never missing a payment then for example in XXXX its CO then XXXX, XXXX, XXXX, payments are on time payment? 

The credit bureau is making up their own data. If they are truly investigating with the furnisher, they will have accurate, complete and verified information which clearly they dont. 

All of the accounts, both open or closed have never been late and should show a status of PAANL, paid as agreed never late. 

I even provided the law codes for many different things and they are not abiding by them. The FCRA required credit reporting agencies to follow their guidelines. 

PLEASE UPDATE ALL ACCOUNTS TO XXXX, PAID AS AGREED NEVER LATE IMMEDIATELY. ITS BEEN ALMOST XXXX XXXX OF DISPUTING. 

15 USC1681 ( a ) ( 2 ) ( b ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 USC 1666b 15 USC 1681n

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 2024-11-26 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: TX

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX XXXX  ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer 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 2024-11-26 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Its been a huge headache and inconvenience dealing with Bank of America regarding stolen funds from my account. On XXXX I submitted a complaint regarding this issue, also on XXXX, XXXX. Case numbers XXXX, XXXX, XXXX. On XXXX I received email correspondence from CFPB stating that Bank of America had replied and now those complaints are now close. I thought to myself great this means they have resolved this issue and received the documents that they claim they had from the merchant. I contacted the case agent that was assigned to this matter XXXX XXXX Im not sure of the correct spelling but she verbatim told me that they only responded to CFPB because they have a time limit to have done so and that they are still working on this matter and have until XXXX to have received a response from the merchant or that the claim will automatically be paid by the merchant. I patiently waited and assumed they would do their due diligence to resolve this matter, I assumed wrong. I contacted XXXX on XXXX with that being the resolution date with no response, I spoke to her XXXX with no update she said that she would escalate this with her team ; and promised to contact me within XXXX XXXX. I didnt receive any call back and contacted her again on XXXX, and she basically told me she has no update and is still waiting from her team. Bank of America prematurely closed this complaint just to meet their deadline and when XXXX came they still have no response for me. Im over this back and forth and now I will unfortunately get local news and a lawyer involved if I have to and Bank of America will have to pay up much more than what was stolen from my account.

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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I feel victim to XXXX multi-layered scam operations run by XXXX XXXX - XXXXXXXX XXXX  which involved me making a total deposit of {$17.00}, XXXX from my XXXX XXXX account to XXXX XXXX at the instructions of the scammers in XX/XX/year>.

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