vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and noticed XXXX XXXX # XXXX is reporting a bunch of inaccurate late payments. 

XX/XX/XXXX and and XX/XX/XXXX - are both reporting 30 days late. 

XX/XX/XXXX, XXXX is both reporting 60 days late XXXX month after that is reporting charged off re-aging my account each month. 

The credit Bureau have a responsibility to make XXXX everything thats reporting on my account is reporting accurate and complete. Please delete this account immediately as it is harming my credit. I will attach the credit report as my proof and a copy of my ID as proof of identity.

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 2024-12-03 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XX/XX/2021 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
I received a letter from MOHELA stating interest on my loans is accruing. However, I was told interest should be at 0 % under XXXX XXXX and the forbearance is administrative so I shouldnt be accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela sent me a letter saying even though my loans were in forbearance they will accruing interest. I am in the XXXX plan which has XXXX interest during this litigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when capital XXXX and XXXX  sent letters saying they were XXXXXXXX XXXX XXXX They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA XXXX. 
additional inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I demand you comply with the law. I have been disputing this accounts. You have not been able to provide me with any of the requested information, The original creditors have not been able to verify this account. Therefore, I doubt that a solid, good faith investigation was done on my behalf. I demand you comply with the law. The other two major credit bureaus have already done their investigations, and their investigations proved that this accounts were indeed inaccurate and unverifiable. Once again I demand that you comply with the law, If you will not comply, I will have to push my efforts further and take it to court of law.

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 2024-12-03 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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 am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts from my credit file. Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have accounts and related information blocked from my credit report if they are a result of fraud or unauthorized access to my personal data. 
Please remove the following accounts from my credit file : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00}

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information reported on my credit file by Equifax. These inaccuracies include personal identifiers, addresses, and account details. Specifically, I contest : 1. Incorrectly reported names, including variations of my name that are not authorized or accurate.

2. Outdated or incorrect addresses listed as current or previous residences.

3. Employers and other personal identifiers that are not mine or improperly reported.

4. Derogatory account information that lacks substantiated evidence of accuracy, completeness, and compliance with the FCRA and Metro 2 standards.

Actions Requested : Remove all unverified or inaccurate information from my credit report immediately.

Provide validation of any reported information in compliance with the FCRA and industry standards.

Ensure reporting aligns with Metro 2 guidelines for accuracy, timeliness, and integrity.

I have included supporting documentation to verify my identity and establish the correct and accurate personal identifier information.

Legal Basis : I believe these violations of the Fair Credit Reporting Act ( FCRA ) and FACT Act expose me to harm through incorrect reporting and potential misuse of my personal information. I request the CFPB to investigate and ensure that Equifax corrects or removes these inaccuracies immediately. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, exactly at XXXX XXXX, I arrived at the US Bank located at XXXX XXXX XXXX, XXXX, CA, to withdraw {$920.00} from my Electronic Benefit Transfer ( EBT ) account. The ATM screen displayed an error message. I heard the sound of the machine dispensing cash as if it were about to withdraw my money, but nothing came out. I waited about XXXX minutes at the ATM, and despite the receipt indicating that {$920.00} was withdrawn, I did not receive any cash. 

I spoke with XXXX bank representatives, but they informed me that they were unable to assist since I am not a bank member. Although I am not a US Bank customer, I often use their ATM to withdraw my rent money. On XX/XX/year>, I spoke with customer service representatives XXXX and XXXX, who also stated that they could not help me. I am in desperate need of my rent money. 
--

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 monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TDBANK refuses to close account # XXXX per request after providing a XXXX XXXX  and informing in regards to a 2 year separation from my XXXX XXXX XXXXhe Banking agent by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX was informed to either separate the XXXX accounts or close both accounts due to pending transactions informed XXXX that I do not have control of the use of this account and that a pending transaction can delay the process of closing the account I have requested that TDBANK remove or close both accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your 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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding my JCPenney account, which I believe may involve potential violations of federal credit laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Below are the details of my concerns : Issue Summary : I have experienced issues with [ describe the specific issue, e.g., incorrect billing, unauthorized charges, misreporting to credit bureaus, failure to address disputes, etc. ]. These discrepancies have caused [ describe consequences, such as financial hardship, negative credit impact, stress, etc. ]. 

Attempts to Resolve : I have attempted to resolve this matter directly with JCPenney by [ describe your attempts, e.g., calling customer service, submitting a dispute, sending a written request, etc. ]. However, their responses have been unsatisfactory because [ describe why, e.g., lack of response, refusal to investigate, incorrect resolution, etc. ]. 

Legal Violations : I believe the following laws may have been violated : Fair Credit Reporting Act ( FCRA ) : If the issue involves credit reporting errors, mention that creditors must ensure accurate reporting and address disputes promptly ( 15 U.S.C. 1681 ).

Fair Credit Billing Act ( FCBA ) : If the issue involves billing errors, creditors must investigate and resolve disputes within specific time frames ( 15 U.S.C. 1666 ). 
Consumer Protection Laws : Reference general consumer protection laws if applicable.

Requested Resolution : I respectfully request that CFPB investigate this matter and compel JCPenney to [ state your desired resolution, e.g., correct credit reporting errors, refund unauthorized charges, issue a written response explaining their actions, etc. ]. Additionally, I request that JCPenney comply with all applicable credit laws moving forward. 
Thank you for your time and assistance in addressing 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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I received a email from Chime telling me my account was closed. I called them thinking it was a mistake and they told me they cant tell me why other than my account violated their policy. They also told me I can not receive the money I had in my checking account.

Company response to consumer: Closed with explanation