vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX 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 2024-09-02 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
AAFES star card did not explain how they increased my line of credit without my written permission. They also did not cite the CFR, stating why they could not do this. I am a disabled combat veteran. 
Please ask them to cite the specific CFR regarding how they increased my credit line and how they claimed the charge off.

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 2024-09-02 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: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

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 2024-09-02 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: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX  filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: SC

Complaint narrative:
I paid off pay tomorrow and have made payment. I finally paid off the account. The balance is still showing wrong on credit report. The balance is still showing that I owe money on the portal. I was also told it would be removed from my credit when it is paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have requested several times to have the PMI removed from my loan. The rule, per US Bank is 20 % equity, which I have had since XXXX I'm still paying this even though the value of the home has maintained well over 20 % equity for years. I'm requesting assistance in enforcing their own rules in having this removed.

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 2024-09-02 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: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

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 2024-09-02 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: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX XXXX XXXX  XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

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 2024-09-02 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX OF SO XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX on TransUnion, XXXX and XXXX, XXXX and XXXX XXXX Acct unknown on TransUnion, XXXX XXXX XXXX Acct XXXX on TransUnion and XXXX, XXXX XXXX XXXX XXXX on TransUnion and XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on TransUnion The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from TransUnion, XXXX and XXXX, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. The XXXX and XXXX XXXX is one of the prime examples They said I open an account XXXX XXXX XXXX but the original creditor last payment was XXXX that was XXXX years ago. The statute of limitation in XXXX  is XXXX years.

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 2024-09-02 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: GA

Complaint narrative:
I did not authorize these inquires. 

XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: VA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00}

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 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I have no contract or knowledge of the amount owed. I have tried to contact the company Solar Mosaic several times and they have continued to ignore my request for proof of services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe the account is invalid. Bank of America account needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
BofA - 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 2024-09-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2024-09-02 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited money at an atm ( more than {$800.00} at least ) and received no confirmation from the atm of how much it was, how much I deposited, or if the transaction was completed. It just spit my debit card out with no confirmation. No receipt. 

I knew something was wrong so I checked my account to see if the money was posted and it was not posted to my account. No pending transactions or anything. I called capital one to file a dispute but they wont tell me how long this will take to resolve. This is a gigantic problem for me because I have a mortgage, and that money is to pay my mortgage. My mortgage is due TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already sent multiple letters to TransUnion, XXXX, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that TransUnion, XXXX, and XXXX have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent multiple letters to XXXX, XXXX, and Equifax requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that XXXX, XXXX, and Equifax have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.

Company response to consumer: Closed with non-monetary relief