vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
item is showing as charged off. i never received a 1099

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 2024-12-04 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: PA

Complaint narrative:
item is showing as charged off. i never received a 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a part of the Equifax breach never received a letter I put my info on a data base it gave me XXXX Equifax engagement number and was told that I could only get the restoration service because it was too late to file the date had already passed XXXX of XXXX   just for restoration service I also have been scammed out of XXXX XXXX dollar in which the hackers had my SS number address and my credentials my police report theft by a fraud number XXXX this happened on XX/XX/XXXX of XXXX in my car was broken into and the phone that was involved in a hacked was stolen police report number XXXX I'm a part of a data breach and I was scammed out of my money but yet all I received was restoration service where is the money that I should receive from the Equifax settlement lawsuit is there no money put aside forpeople who did not know who received a code after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am attempting to us my chase credit card benefit in the from of flight insurance. Chase outsourced this to a company called card benefit services. They have been difficult to deal with constantly hanging up on me asking many times for the same information and being highly combative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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: WI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-04 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: Early Warning Services, LLC
State: CA

Complaint narrative:
After reviewing my early warning report.I noticed negative reporting from XXXX, I'm not familiar with. I sent a dispute to Early Warning Services, asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 
XXXXXXXX XXXX Account Number ( XXXX ) : XXXXXXXX XXXX XXXX Account Number ( XXXX ) XXXXXXXX XXXX XXXX Account Number XXXX According to the FCRA 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days. 

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

EWS violated by consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt.Please find attached all disputes sent to EWS and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
account is reading as charged off. i never received a 1099.

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 2024-12-04 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: Kikoff Inc.
State: NH

Complaint narrative:
Kikoff Lending , LLC has failed to adequately investigate my dispute regarding inaccurate late payment reporting on my credit reports with XXXX and XXXX, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve the issue directly with Kikoff, their responses have been incomplete, dismissive, and failed to address the core concerns raised in my dispute. 

Detailed Description of the Issue : Failure to Conduct a Reasonable Reinvestigation : Kikoff claims to have verified the disputed information using internal records but has not provided any details on the methodology, sources, or third-party verification used in their investigation. 
The FCRA ( 611 ) requires data furnishers to conduct a reasonable and transparent investigation, which Kikoff has failed to demonstrate. 
Reporting Discrepancies Across Bureaus : Kikoff 's reporting contains inconsistencies between XXXX and XXXX. 
XXXX reflects late payments from XX/XX/XXXX to XX/XX/XXXX, while XXXX includes a 60-day late entry without substantiation. Kikoff has neither reconciled these discrepancies nor provided any evidence supporting the accuracy of the reported data. 
Refusal to Acknowledge Submitted Evidence : I provided Kikoff with documentation from my XXXX and XXXX reports, highlighting inaccuracies, including contradictory entries ( e.g., " 90 days late '' reported alongside a positive payment history ). Kikoff claims they did not receive my XXXX report and dismissed these concerns without review. 
Shifting Responsibility to Credit Bureaus : Kikoff incorrectly asserts that I must contact credit bureaus to resolve these inaccuracies. Under the FCRA, Kikoff, as the data furnisher, is obligated to ensure accurate reporting and correct any errors identified. 
Failure to Respond to Resolution Proposal : My initial dispute included a resolution proposal, which Kikoff completely ignored in their response. This lack of engagement further demonstrates their unwillingness to resolve this matter amicably. 
Impact on Me : These inaccuracies have adversely impacted my credit scores, limiting my access to financial opportunities and causing undue stress. Kikoffs lack of compliance with FCRA obligations has prolonged the resolution process and exacerbated the harm caused by their reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
Account Name/Number XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from Equifax but still showing on XXXX and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my XXXX report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account Number : # XXXX XXXX  advised me that they do not have this account, and it is not mine but is showing as a collection on my Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
Account Name/Number : XXXX XXXX XXXX  Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from XXXX but still showing on XXXX and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my XXXX report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX  advised me that they do not have this account, and it is not mine but is showing as a collection on my 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of my personal information in your database. The following issues are unverified, inconsistent, and in violation of FCRA regulations. I demand that the incorrect or unproven items be immediately removed from my credit report and that you ensure full compliance with Metro 2 data field standards. 

Personal Identifier Discrepancies : 1. Other Names : I do not have any other names or aliases. If any are being reported, I request their immediate deletion.

2. Addresses : I do not have any other current or previous addresses. Please remove any such entries from my report.

3. Social Security Number ( SSN ) : I have one SSN, and only the last four digits should be retained. Any other SSNs are inaccurate and should be removed immediately.

4. Date of Birth : I do not have any other date of birth information. Please delete any discrepancies.

5. Telephone Numbers : No telephone numbers other than those provided should be retained. Please remove any additional numbers.

6. Employers/Spouses : I do not have any spouses, roommates, or co-applicants to be reported. Please ensure no such information is included. 

Disputed Accounts : XXXX. XXXX XXXX  ( XXXX ) ** : The following discrepancies are reported and need to be corrected immediately : Creditor Remarks : XXXX reports Account has been closed due to inactivity, while XXXX and Equifax have conflicting entries. These entries are inconsistent and should be corrected to comply with FCRA and Metro 2 standards. 
Account Cycle Identifier : Missing or incorrectly reported across all bureaus. 
Account High Balance/Original Balance : Discrepancies between XXXX, XXXX, and Equifax. XXXX and XXXX report {$340.00}, while Equifax reports {$200.00}. These discrepancies must be addressed. 
Creditor Type : Variations in how this is reported ( e.g., Miscellaneous Banks for XXXX, XXXXXXXX XXXX XXXX XXXXXXXX for Equifax ) violate compliance standards. 
Account Status : The account is marked as paid, but conflicting reporting needs to be rectified. 

Request for Immediate Action : Under FCRA and Metro 2 reporting standards, I request the following : 1. Immediate removal of any unverified or inconsistent personal identifiers from my report. 
2. Investigation of the discrepancies in the account reporting for XXXX XXXX, and their immediate correction or removal from my credit file. 
3. Proof of compliance with Metro 2 and other relevant reporting standards for all reported data. 

If these actions are not taken promptly, I will seek legal remedies for non-compliance under consumer protection laws. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts from my report, they are hurting my ability to obtain credit, please remove all fraudulents accounts : XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts from my report, they are hurting my ability to obtain credit, please remove all fraudulents accounts : XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I'm hoping that by submitting this complaint you may be able to escalate this issue to TD Bank Customer service Dept. My name is XXXX XXXX XXXX XXXX. I currently bank with TD Bank and I have a joint account with my son XXXX XXXX. Unfortunately, the bank managed to withdrawal {$180.00} out of our account. The memo had no information that suffice the withdrawal. I am requesting for TD to actually provide information, proof of the withdrawal and the funds to be placed back into out account. It seems to me that the Banking Fraud and Technical Support/Web Support team should really look into the account to figure out who has access and to link the actual withdrawal to the company. Access account by names I've provided joint account & {$180.00} withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DC

Complaint narrative:
Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of my personal information on my credit file. The following issues are unverified, inconsistent, and in violation of FCRA regulations. I request that these discrepancies be immediately investigated and corrected to ensure full compliance with Metro 2 data field standards. 

Personal Identifier Discrepancies : 1. Other Names : I do not have any other names or aliases. If any are being reported, I request their immediate deletion.

2. Addresses : I do not have any other current or previous addresses. Please remove any such entries from my report.

3. Social Security Number ( SSN ) : I have one SSN, and only the last four digits should be retained. Any other SSNs are inaccurate and should be removed immediately.

4. Date of Birth : I do not have any other date of birth information. Please delete any discrepancies.

5. Telephone Numbers : No telephone numbers other than those provided should be retained. Please remove any additional numbers.

6. Employers/Spouses : I do not have any spouses, roommates, or co-applicants to be reported. Please ensure no such information is included. 

Disputed Accounts : 1. XXXX XXXX ( XXXX ) XXXX : The following discrepancies are reported and need to be corrected immediately : Creditor Remarks : There are conflicting entries across the three bureaus regarding the accounts status. These inconsistencies must be resolved to comply with FCRA and Metro 2 standards. 
Account Cycle Identifier : Missing or incorrectly reported across all bureaus. 
Account High Balance/Original Balance : Discrepancies between XXXX, TransUnion, and XXXX. XXXX and TransUnion report {$340.00}, while XXXX reports {$200.00}. These discrepancies must be addressed. 
Creditor Type : Variations in how this is reported ( e.g., Miscellaneous Banks for TransUnion, XXXXXXXX XXXX XXXX XXXXXXXX for XXXX ) violate compliance standards. 
Account XXXX : The account is marked as paid, but conflicting reporting needs to be rectified. 

Request for Immediate Action : Under FCRA and Metro 2 reporting standards, I request the following : 1. Immediate removal of any unverified or inconsistent personal identifiers from my report. 
2. Investigation of the discrepancies in the account reporting for XXXX XXXX, and their immediate correction or removal from my credit file. 
3. Proof of compliance with Metro 2 and other relevant reporting standards for all reported data. 

If these actions are not taken promptly, I will seek legal remedies for non-compliance under consumer protection laws. 

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 2024-12-04 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: NC

Complaint narrative:
There are unauthorized hard inquiries on my credit report. In accordance with 15 USC 1681c-2, I ask for these errors to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My girlfriend and I sign a lease for a house, but got into a fight and we both broke the lease after 2 weeks. We both moved out at 2 weeks. The landlord kept the deposit and first month rent, but submitted a collection for {$7000.00}. I have repeatedly asked for an explanation and or paperwork to no avail. I wouldn't think I would owe for a whole year! After living there for only 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I've had a XXXX XXXX XXXX American Express Card for several years and I was enrolled in their Financial Relief Program, where my minimal payments were capped at {$130.00} per month, from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my enrollment ended and my minimal payment due increased to {$170.00}, which was paid on time. However, when I got my statement for XXXX, the minimal amount due suddenly rose to {$220.00}, despite my rarely using the card the previous month. This is more than the minimal amount I paid for my XXXXXXXX XXXX XXXX XXXX which had a higher credit line ( {$9500.00} ) than the American Express Card ( {$6500.00} ).

Company response to consumer: Closed with explanation