vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AL

Complaint narrative:
I have been scammed and was a victim of identity theft so I dont know where this charge has came from

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 2024-12-13 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: NY

Complaint narrative:
My credit report contains inaccuracies concerning late payments, which I recently discovered. These mistakes do not reflect my consistent payment history. Kindly correct this and update 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 non-monetary relief
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate credit reporting by XXXX and Equifax. I previously disputed an account appearing on my credit reports with all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). After their investigation, XXXX removed the disputed account entirely, confirming that it was either inaccurate or unverifiable. However, despite having provided the same supporting information, XXXX and Equifax continue to report this account. 

Account Details : Name of Creditor/Account Holder : XXXX XXXX XXXX  Account Number : XXXX XXXX [ Equifax ] and XXXX [ XXXX ] Summary of the Issue : I requested that XXXX, XXXX, and Equifax investigate and verify the accuracy of the above-referenced account. After completing their investigation, XXXX removed the account from my report, acknowledging that the information could not be verified or was inaccurate. 

Despite having received the same dispute request and supporting documentation, XXXX and Equifax have refused to remove or correct the account. Their inaction and continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report and to correct or delete any information that is found to be incomplete, inaccurate, or unverifiable. 

Impact on Me : This inaccurate reporting is negatively impacting my credit scores and my ability to secure financial products at fair terms. I have made good-faith efforts to resolve this matter directly with XXXX and Equifax, but they continue to report false or unverifiable information. 

Relief Requested : I request that the CFPB investigate this matter and compel XXXX and Equifax to : Permanently remove the inaccurate and unverifiable account from my credit reports. 
Re-verify that all information reflected on my credit reports is accurate and up-to-date. 
Provide a written confirmation of these corrections to me. 

I have attached copies of my supporting documentation, including the response from XXXX confirming removal, and recent credit reports from XXXX and Equifax showing that the incorrect account remains. 

Thank you for your prompt attention to this matter. I trust that the CFPB will help ensure that my consumer rights under the FCRA are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
In my personal experience, I have repeatedly reached out to Advantage regarding my bankruptcy. I have contacted them XXXX times, each time providing documentation from the court system that demonstrates the complete discharge of my debt. I have inquired about the documentation they have received, but the company has been unable to provide me with access to it. Each time I call, I receive a different response, and blame is often attributed to someone else. My loans are now past due, and I have not been approved for an IDR plan. Furthermore, the company has been unresponsive and has displayed rudeness towards me, raising their voice and stating that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Grow Credit Inc
State: IL

Complaint narrative:
I dont recognize Grow Credit nor have I ever even applied to this company. I would like this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account at BMO Alto was frozen on XXXX XX/XX/year> for alleged fraud. I recently transferred money between my account at BMO Alto and another account that I own at XXXX XXXX XXXX XXXX. My account at XXXX XXXX XXXX XXXX is the account that I originally funded my BMO account with and has already been verified by BMO Alto. BMO Alto demanded that I provide them with financial statements from my account at XXXX XXXX XXXX XXXX along with a photo of my ID to prove this account belongs to me and verify funding. I currently can not access either of my accounts at BMO. These XXXX accounts add up to over {$150000.00}. BMO Alto is withholding my money from me and attempting to force me to provide personal documents from other financial institutions.

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 2024-12-13 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: OH

Complaint narrative:
I am filling this complaint due to fraudulent unauthorized Inquiries being on my credit report. 
A company named XXXX XXXX who purchased my info in an XXXX data breach isagain using my information to apply for credit. 

The Identity theft has resulted in the following fradulent unauthorized inquiries : XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Multiple phone calls to the company about my finding of fraudulent activities. The first call the employee whom cause the issue just got an attitude say, quote " you don't call me that way ''. I informed her that I found the fraudulent activities and received SMS text, that an account was approved at XXXX XXXX  ( none business hours ). Same day I call the parent company spoke with customer support and after hear the gasp and moment silence once the lady pulled up everything from my under my name she then tried distancing the company from my local one and stating they don't have the access and authority to do anything I ask which was getting informationabout any and every account. 2nd call was with a manager, she tried to lie about how this work. same day I received a call from a male who claim to be the parent company and he tried saying the same as the manager. The third call was today, it was the local store manager seem very cherry and happy basically puttingon a front cause I just missed her call and call right back she was trying to get information on what steps I'm taking so I played along and baited her right into my trap. That when I discovered the locked me out my account and I informed her I knew she claimed it's for my safety. Also their trying to clean up their mess but I already obtain all the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Incident Description : On XX/XX/XXXX, I initiated a formal dispute with XXXX to address historical entries marked as late payments for the years XXXX and XXXX. Upon receipt of the dispute results on XX/XX/XXXX, I identified an erroneous update to my Citibank Best Buy account. The credit report inaccurately stated there were no records for XXXX and XX/XX/XXXX and incorrectly listed the account as charged off in XX/XX/XXXX. 

Actions Taken : XXXX. Initial Dispute : Filed on XX/XX/XXXX on XXXX, with substantial supporting documentation, including statements, yet the report on XX/XX/XXXX, showed no changes. 

XXXX. Escalation and Second Dispute : I escalated the matter by resubmitting the dispute via XXXX and directly contacting Best Buy 's credit department, confirming that my account was active and in good standing. Further evidence of timely payments was provided via the XXXX app during this second dispute. 

XXXX. Final Dispute : An updated credit report received on XX/XX/XXXX, via XXXX still reflected the inaccuracies. I filed an immediate subsequent dispute. 

XXXX. Communication with Best Buy : Despite multiple disputes, Best Buy issued a letter today stating no adjustments would be made, contradicting earlier verbal confirmations. Attached is their letter alongside evidence disputing their claim, including account statements and I am also willing to provide debit card statements of the transactions, if needed. 

Additional Information : On XX/XX/XXXX, I requested my XXXX statements and was promised a response within a specified period ( XXXX  days ), which has not yet been fulfilled.

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 2024-12-13 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: AR

Complaint narrative:
I noticed some mistakes on my credit report, specifically related to late payments. These do not match my regular payment pattern. Please resolve these issues and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Subject : Refund to Closed Chase Account - {$840.00} Not Resolved Details of Complaint : On XX/XX/XXXX, XXXX XXXX issued a refund of {$840.00} to my closed Chase account via XXXX XXXX XXXX XXXX XXXX Despite providing proof of this transaction ( attached receipt ), Chase has failed to provide a consistent explanation or resolution.

Each time I contacted Chase, I received conflicting responses : XXXX. The funds were frozen. 
XXXX. The transaction bounced back. 
XXXX. The funds were still in transit. 
XXXX. The transaction never took place. 

My account was closed in XXXX, but Chase has not made any effort to locate or release the refund. This lack of investigation or clarity is causing financial hardship, and I believe my funds are being withheld unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Venmo debit card was stolen and used to make unauthorized charges to my account, I filed a dispute and Venmo denied all my claims so I gave them more information did my own investigation then they suspended my account refusing to refund my money stolen now I cant use my account and they didnt do anything about my stolen money, I even showed them gym records showing someone used my card when they knew I was going to the gym

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-13 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX

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 2024-12-13 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: SC

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The hard inquiries on my credit report were made without my consent, violating 15 USC 16c-2. Please take action to remove these inaccuracies 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