vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX XXXXXXXX due to discrepancies. They responded as this account is accurate and updated. It is not.

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 2024-06-11 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: NJ

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting and damaging my ability to get approved for new credit I need at time with living expenses.

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 2024-06-11 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am a XXXX year old single woman who attended XXXX XXXX XXXX located at the time ( 2019 ), in XXXX XXXX, XXXX They had no equipment or materials other than reading out of a book. After taking the test several times to past the class, I took the XXXX XXXX test and failed it. the school has shut down shortly after that. Closed the doors. 
Since then I paid {$340.00} dollars XXXX more times and still failed it. I no longer can afford to keep trying. The School was a scam I believe ;. therefore I would like to cancel my loan agreement even if it means canceling my certificate which doesnt do anything for me. I would like my Loan with Ed Financial forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate information contained in my credit report, as provided by your agency. This action is being taken pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Upon reviewing my credit report from your agency, I identified the following discrepancies : XXXX. LAST DAY ACTIVITY IS INNACURATE - ** Creditor : XXXX XXXX XXXX XXXX Number : XXXX The last day of activity is innacurate on my credit report. 
the creditor reported 3 different *LAST ACTIVITY DATE* on my credit which is a violation of FAIR CREDIT REPORT ACT The above inaccuracies have adversely impacted my credit score and caused me undue hardship. I request that your agency conducts a thorough investigation of these disputed items and takes appropriate action to correct or remove the inaccurate information from my credit report. 

For your reference and investigation, I have enclosed copies of relevant documentation supporting my claim, which include : a copy of the credit report I trust that your agency will handle this matter with the urgency and diligence required by the Fair Credit Reporting Act. Please notify me promptly of the outcome of your investigation and provide me with a revised copy of my credit report. 

I appreciate your cooperation and attention to this important matter. If you require any additional information or have any questions, please feel free to contact me at the phone number or email address listed above. Thank you for your prompt attention to this request

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Equifax in which I spoke with XXXX ( Ref # : XXXX ) to place fraud alerts on all credit reporting companies. He offered a product for $ XXXX for extra security as well, which I agreed to. He then told me he would send, via email, a link to set up an account and password so I am able to view all credit reports, scores, and make sure my credit did not have suspicious changes. I have not been able to set up an account as of yet. I have spoken with XXXX agents from Equifax and none have been able to help me set up an account. Each time I tried to set up the account, it would keep telling me, " We are temporarily unable to complete your request ''. On XX/XX/year>, I spoke with XXXX ( Ref # : XXXX ). On XX/XX/year>, I spoke with XXXX or XXXX. I was on the phone for a least 15 minutes and then the call terminated and she did not bother calling back. The last agent I spoke to was on XX/XX/year>, XXXX ( Ref # : XXXX ). He could not help me. He kept sending me the link for account set up and the same message, " We are temporarily unable to complete your request '' kept coming up. In addition to this, I kept trying to create an account under different browsers ( XXXX, XXXX, XXXX ). He assured me that he would escalate my issue to tech support to see what the problem is and that they would email me within 7 days. I have not received any email from tech support as of yet. I am frustrated. I have spoken with many agents with no one to help solve this issue. I feel that they're just going through the motions. I believe this issue is on their end. I am paying for a product monthly that I am not using and they're benefiting from it. I have not been able to view my credit reports and I am XXXX  to see what's on there as well as to make sure there is no suspicious activity. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-11 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I was unaware of these collections on my consumer reports and I demand that this company delete these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Case XXXX. Your company closed my dispute claiming no error had occurred, when in fact an unknown person stole my purse and its contents. The no error has occurred is based upon technology. your company is not basing this upon a criminal act of which I had no control. You are backed by several banks and are FDIC insured. The police can not locate the suspect it was in a public place. I WANT to speak to an executive. Im not letting this go. I think its despicable especially when I informed cash app that multiple my cards were taken such as credit cards and other bank cards that I own. I am working with those banks. I need to speak to a live person and have this resolved that this case is not being closed without my money being refunded because my identity has been hijacked. The IRS and FBI are well aware as I filed reports with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NV

Complaint narrative:
In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Accounts and Account numbers listed below : 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 2024-06-12 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Accounts and Account numbers listed below : 1. XXXX XXXX XXXX- XXXX 2. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Was scammed by user acting as friend, I believe their account was stolen. Issued a scam report with Cashapp almost a month ago and over the course of many interactions with their chat support they outright refuse to offer any information about the issue mo matter how many times it is asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX supervisor chase bank fraud department. 

On XX/XX/year>, At or around XXXX hours, I have made my XXXX th attempt of 24 days to resolve the issue without involving the government. 

My final point of contact before submitting this complaint was with XXXX a supervisor of consumer relations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am receiving harassing phone calls that are robo dialed from XXXX XXXX  to XXXX Sunday-Saturdays. I've asked them to communicate with me via email and post mail, and yet they continue to call me. They use very intimidating bullying voice tones and refuse to talk about the fact that they're harassing me. Some callers have said that they would remove me from the calls, and yet Navient people continue to call. I am a retired XXXX on a fixed income. The harassing, the polite bullying, and obscene pressure must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX 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 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
These companies have been hindering my credit reporting accounts and making numerous changes to my credit now bureau have my credit all jacked up I sent out disputes numerous times trying to stop them from harassing me. Making false representations and they just report all types wrong information with no paper work or validation Under Fair Credit report act section 609 Under fdcpa 15USC XXXX Awa collexti org creditor XXXX XXXX  XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX?? {$630.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Please delete these accounts from my credit as I read that's what they law says or Ill have to contact some lawyers wity ftc report stuff then I have one company they sent me letters saying it will be off it's a new years and the stuff is still on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
XXXX : This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-11 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute inaccurate information appearing on my credit report for accounts with XXXX XXXX XXXX and XXXX XXXX. For the past two years, all three major credit bureaus ( XXXX, Experian, and XXXX ) have been reporting incorrect information about these accounts. 

I have contacted both XXXX XXXX XXXX and XXXX XXXX  on numerous occasions to address these discrepancies. Unfortunately, these attempts to resolve the issue have been unsuccessful. The reported information includes inconsistent late payments and account statuses that do not match reality. 

I request your assistance in having these inaccurate entries removed from my credit report as soon as possible. 

Thank you for your time and attention to this matter. 

Sincerely, 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
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
I sent a letter on XX/XX/2024 to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

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 2024-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have contacted Specialized Loan Servicing ( SLS ) many, many times. SLS sent four Satisfaction of Mortgage Letters to me ( see attached ) and cfpb complaints are also listed below : XXXX XXXX XXXX In spite of four letters sent to me from SLS, stating Satisfaction of Mortgage , SLS continues to report a balloon payment due on my credit report. I have written many, many requests to remove this incorrect statement from my credit reports and they refuse.

SLS refuses to tell the truth, remove inaccuracies on my credit reports, which creates an entry under " Potentially Negative '' and reduces my creditworthiness, and it is false. They refuse to correct their error to match the Satisfaction of Mortgage letters sent to me on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I submitted my dispute on XX/XX/year> you can see the date in the email confirmations and i called lexisnexis on XX/XX/year> and the representative said my dispute was not resolved yet ( this is 30 days later ) and i didnt get a response to my dispute until XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: PA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion refuses to provide a close date for the following accounts : XXXX XXXX XXXX XXXX XXXX They refuse to provide a close date but report a charge off every month so it looks like the account was charge off that current month. This is very dirty tactics. I've disputed more than once about the date and they refuse to provide a date.

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 2024-06-12 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I demand that these companies verify these items and mail me the investigation results with the procedures they took for the investigation

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