vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}

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 2024-05-11 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: TX

Complaint narrative:
TRANSUNION continues to report INACCURATE information. 

TRANSUNION report WRONG/INACCURATE information for employer. This is an old employer from 5 years ago TRANSUNION refuses to report ACCURATE information regarding my current employer TRANSUNION is reporting INACCURATE/WRONG employer information. 
XXXX XXXX XXXX XXXX is not my employer. This is an XXXX XXXX XXXX employer

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 2024-05-11 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2024-05-11 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: NY

Complaint narrative:
I was a victim of Identity Theft and Credit Fraud. This card that I did not recognize. 
XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX IS NOT MY ADDRESS ; It is a fraud.

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 2024-05-11 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: NJ

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in reporting, amounts, and dates.

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are numerous fraudulent accounts in my report that are really hurting my score. i wanted them to be removed as soon as possible. I have been trying to remove them since last year but i really don't know why it's s complicated to exercise my right to have an accurate reporting. Remove the following as soon as possible. Thank you. 

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 2024-05-11 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-11 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account came back verified and updated however no changes were made to my account. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please update this account immediately as paid on time.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE COMPANY HAS IGNORED THE LAW OF FAIR CREDIT REPORTING HAS CONTINUED TO REPORT UNFAIR AND INACCURATE INFORMATION ON A A CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE COMPANY HAS IGNORED THE LAW OF FAIR CREDIT REPORTING HAS CONTINUED TO REPORT UNFAIR AND INACCURATE INFORMATION ON A A CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT

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 2024-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized charges made to my debit card ending in XXXX, associated with my account number XXXX, processed by Healthcare Finance Direct ( HFD ). These charges were initiated on behalf of the merchant " XXXX  XXXX XXXX '' without my consent or authorization. 

Around XX/XX/scrub> 2022, I visited the XXXX XXXX XXXX clinic for an initial consultation regarding their teledentistry services. However, following careful consideration, I expressed my discomfort with their service and the methodology of their teledentistry approach. Consequently, I did not provide authorization for any further transactions on my behalf. 

Despite my explicit disapproval and absence of consent, XXXX XXXX XXXX unilaterally proceeded with an order, resulting in unauthorized charges totaling {$2600.00} being debited from my bank account. These charges consisted of XXXX transactions of {$88.00} each and XXXX transactions of {$25.00} each, all executed without my acknowledgment or approval. 

I wish to underscore that I neither received the product nor authorized any transactions beyond the initial consultation fee with XXXX XXXX XXXX. Therefore, I demanded an immediate refund of the total amount unlawfully deducted from my account by Healthcare Finance Direct, amounting to {$2600.00}, to be processed by XXXX. 

Additionally, despite thorough tracking efforts and a tracking number provided, neither USPS nor XXXX databases yielded any information regarding the package purportedly sent by XXXX XXXX 

Furthermore, I requested Healthcare Finance Direct to promptly receive a copy of the XXXX XXXX agreement containing the alleged approval of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MD

Complaint narrative:
Please see attached file.

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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have repeatedly had issues logging into the Synchrony website in order to verify my due dates, change bank accounts and payment sources, and just to view account information. When I try to login, it says I have a wrong password, despite having just changed it. When I try to reset the password, it fails to recognize information that would not have changed such as last 4 of social and birthdate. On the occasions that I have been able to progress through the password reset progress, it asks me to verify my phone number, and it never gives the phone number I have listed in my account. A read through on XXXX indicated that everyone else seems to experience the same issue, and even are given the same phone number. Calling customer service is a punishing experience, because it has never taken less than half an hour to problem-solve things. I have retried the password reset process, which has locked me out, which routes me back to calling customer service. 

I realize that I sound like a total whiner, but the concerns that I have is that if their website is programmed so poorly, how secure is the information? Am I viewing someone else 's information when I try to do the password reset process? Does someone else have access to mine? I consider myself fairly technologically competent ; I wonder about other account holders that are vulnerable. This type of situation could easily cause financial harm to the vulnerable. 

I don't know if the CFPB can do anything or even if this is an appropriate venue. I apologize if I have lodged a complaint in the wrong place.

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 2024-05-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account came back verified and updated however no changes were made to my account. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please update this account immediately as paid on time.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE COMPANY HAS IGNORED THE LAW OF FAIR CREDIT REPORTING HAS CONTINUED TO REPORT UNFAIR AND INACCURATE INFORMATION ON A A CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2024 >>Capital One credit cards have inconsistent closing dates. Also XXXX days between due date and closing date instead of XXXX days traditionally used by other credit card companies. Inconsistency makes it difficult to plan payments and card usage. I have called and complained with customer service specialist with no results. This issue is not inclusive to one credit card number, but several credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I filed a police report # XXXX regarding the school misconduct and how they committed student loan fraud. The school I attended has been in court for school misconduct and as a result I had a borrower defense claim automatically filed by the Dept. of Education that closed my federal loans without further damage or loss to myself. I challenged Navient when they sent a debt collection after me and they only provided to me forged documents. I am still waiting on law enforcement to complete their investigation. The police report was filed XX/XX/year>2024 with the local police department. I have been accepted to the XXXX XXXX XXXX for the XXXX XXXX bankruptcy case. I have been harmed by the schools misconduct and the federal government closed those federal accounts stating there was school misconduct. I understand the holder rule requires Navient to react accordingly on my private loans. I am aware they are doing so for other students in my similar predicament. Navient ( previously SallieMae ) was aware of the tactics being used but has done everything in their power to avoid consequences. They settle out of court but manage to limit their losses by setting terms that favor the few leaving the majority up the creek in a bad way. No lawyer in my state wants to take them on directly and are just telling me " call us when they sue you. '' This is totally unfair to those in my position and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I requested a wire transfer from my ally savings account at approximately XXXX Pacific time. Transfer was to occur by the close of business today. I called ally customer service just before XXXX XXXX today ( XXXX eastern ) as wire status was still reviewing. I was disconnected from our phone call when they were investigating. I then contacted them through chat and was told that any wire submitted after XXXX would be transferred by close of business the next day. It is now XXXX pacific and the wire request remains in review and they only state that I will receive and email when it changes status to requested. We close on Monday and if money does not arrive we will be in breach of contract.

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 2024-05-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-11 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: NY

Complaint narrative:
I was a victim of Identity Theft and Credit Fraud. This card that I did not recognize. 
XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX IS NOT MY ADDRESS ; It is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation