vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: KY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-06 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: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-03-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
My legal name is inaccurate across my XXXX, XXXX, and Transunion credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
vI am writing to express my extreme dissatisfaction and outrage upon discovering a fraudulent account listed on my credit report. It has come to my attention that an account that I have no association with has been inaccurately added to my credit history, tarnishing my financial reputation and causing me undue stress and inconvenience. XXXX. XXXX XXXX XXXX and Bankruptcy XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.

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 2024-03-06 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: TN

Complaint narrative:
I have sent MULTIPLE letters. Starting in XXXX and I have YET to receive any type of validation. I have sent several through certified mail and regular ( started in XXXX of XXXX and I sent my last XX/XX/XXXX ) Over this period of time I have yet to get anything from this collection agency. XXXX XXXX XXXX. I do not even have an account number for the said 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 2024-03-06 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2024-03-06 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: RI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive disputed this in my XXXX credit reports and they just say that its valid. No backup to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a chase bank account ending in XXXX that is in the process of closing. The account is closing because I wrote XXXX checks from my XXXX account to my Chase account in hopes of making Chase my new bank upon doing so they took so long to clear the check that my XXXX closed and the checks bounced. The funds were not returned back to XXXX, nor was I given substitution checks. They were pending for a total of {$6000.00} and then they close the account and told me that they sent the checks back because they were not paid upon checking with XXXX. They informed me that the funds were paid and that the account was closed so it was not be able to be returned there was also XXXX checks for {$1300.00} and $ XXXXthe other XXXX {$530.00}, which were unrelated and valid checks. Because of suspicion Chase said they sent the checks back but the {$2900.00} was a certified check from XXXX that I did not receive back or a substitute check. The other XXXX are still being held in suspension until they can verify the maker it has been over a month. There have been no issues reported with any of these checks and their suspicions are unjustified as well as they are illegally holding my funds. I would like to have the money which is held in suspension immediately released to me, as well as the check for {$2900.00} in total I would like my. {$6400.00} Returned, and either XXXX check or the funds and suspension as well as the subsequent checks to XXXX my accurate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email from XXXX that I had made a payment of {$200.00} to XXXX XXXX . I immediately called Harris Bank to report this and close my debit card as this was a transaction that I didn't make, since I don't have an open XXXX account and don't know this individual. 

I was credited back the money pending a review of this transaction. I received notice from Harris Bank that they found this to be a valid transaction. Upon receiving this letter, I contacted XXXX to get additional information from them. 

When asked to review this dispute further, I received the same letter from XXXX XXXX stating " Please see the attached doc. '' He also included his supervisor XXXX XXXX on the email. When I attempted to contact them to request that the letter I received was one that was already sent to me, my email was rejected. 

After speaking with XXXX from XXXX on Friday, XX/XX/XXXX the individual who fraudulently used my debit card attempted another transaction in the amount of {$190.00} after my card was closed. The additional transaction was declined since my card had been closed. Obviously, I wouldn't call and close my card after the {$200.00} payment and then attempt to make another one right afterwards. 

I have not been able to reach anyone at Harris Bank. Each time I speak with someone from XXXX, they state that I need to send an email to the XXXX. I have done this several times and receive little to no response.

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 2024-03-06 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: MI

Complaint narrative:
My legal name is inaccurate across my XXXX, Equifax, and XXXX credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
My legal name is inaccurate across my Experian, XXXX, and XXXX credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and seek immediate resolution regarding recurring issues with my Apple Card, specifically relating to in-person purchases at the Apple Store. On XX/XX/XXXX, I attempted to purchase XXXX XXXX at the Apple Store located at XXXX XXXX in XXXX, Texas. Despite having over {$2000.00} in available funds, my card was unjustifiably declined, leading to significant embarrassment and inconvenience. 

As the sole XXXX woman in a predominantly Caucasian neighborhood and store, the public nature of the decline amplified my discomfort, further exacerbated when I was asked to provide an alternative payment method in a crowded setting. 

Following this incident, I contacted Apple Card support three times. Initially, I was informed of a block on my card, which I had not been notified about via email or text, contrary to standard procedure. Although this block was reportedly removed, my card was declined once more upon a subsequent purchase attempt. I was then informed of another block and that my account was under review, yet I have not received any formal communication or rationale for these actions. 

This lack of transparency and repeated hindrance of my purchasing abilities, despite a perfect payment history and sufficient credit, is unacceptable and discriminatory. The absence of any preemptive or follow-up communication from your end compounds my frustration and concern. 

I demand a detailed explanation for the continuous blocks placed on my card, the criteria and processes behind your account review procedures, and why I, a customer in good standing, have been subjected to such treatment. Additionally, I expect immediate rectification of these issues to prevent future unwarranted embarrassments and limitations. 

Please respond at your earliest convenience with a comprehensive explanation and a clear resolution path. I trust in your commitment to customer satisfaction and anticipate your prompt attention to this serious matter. 

This is NOT the first time either Apple has done this to my card. The first time was in XX/XX/XXXX when I tried to purchase my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have contacted Transunion via support chat numerous times regarding disputing items on my credit report. on XX/XX/2023 I disputed one of my creditors ( XXXX XXXX XXXX ) and the status on my end is marked as " in progress '' when I contacted Transunion they said that it is resolved, and no active disputes as of this time. I can not also get a record of my credit report because it claims an active dispute is going on... This is holding back my liberties of the Fair Credit Reporting Act when I can not have false information updated by a push of a button.

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 2024-03-06 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 is still an account that needs to be UPDATED. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX : {$28000.00}

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 2024-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: CO

Complaint narrative:
Service has reported that they have no options for income based payments. Servicer also would not recognized XXXX XXXX as a program & reported that we would need to continue payments, even while in school ( XX/XX/XXXX ). Given the lack of flexibility for income based payments & in school pausing, monthly payments have been difficult ( $ 400 monthly for a low income household ) & loan went past due. Servicer has repeatedly called for collection of payment. However, when calling the servicer they repeatedly will transfer me two to three times per call. Each person then has no knowledge of the conversation had with the previous representative. Also, when discussing payment options with servicer they literally said " well then just go past due '' ( XX/XX/XXXX ). Then when attempting to make calls for payments, they would again transfer me multiple times & on the last transfer, hung up on me ( XX/XX/XXXX ). 
Sallie Mae Credit Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report related to my account with XXXX. Due to an accounting error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with XXXX, and they have acknowledged the error and agreed to update the account status to open and never late. 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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I get a call repeatedly from different numbers as soon as I block them they call with a different number and leave a voice mail hi this a bebt collector. This is XXXX XXXX please call us back XXXX called from XXXX XX/XX/XXXX @ XXXX p.m. called from XXXX wensday left voice mail, called from XXXX on XX/XX/XXXX left voice mail, called from XXXX on XX/XX/XXXX left multiple messages after that date to I deleted them after blocking them I am in a chapter XXXX bankruptcy and if this counties I will seek a law suit against them. For harsment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I have been trying to validate a debt for more than 2 months, on repeated occasions I have sent communication of all kinds. I have even made previous complaints to the CFPB. 

I have an alleged debt in collection, the alleged debt with the account number ending XXXX belongs to American Express. A letter arrived indicating the alleged debt and that it is owed to XXXX XXXX XXXX  The XXXX times I have requested to validate the debt, American Express responds by giving incomplete information or sending letters indicating that they do not have that information in their systems. If they can not validate the debt it should be eliminated, I have evidence of letters sent by Amex indicating that they do not have that information, which I attach. XXXX XXXX XXXX XXXX has not responded to my dispute letter and it must be deleted. The law indicates that they have a XX/XX/45 period to validate the debt and it has been more than XXXX months and they can not validate it. They are breaking the law and violating my rights as a consumer. I contacted XXXX and Amex responded indicating that it has no information that may be in the future. The reference number with XXXX XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: VA

Complaint narrative:
Equifax Information Services LLC was send at XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and Domestic Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX. The Domestic Return Receipt shows they receive the package XX/XX/XXXX. Equifax does not have my written consent to report these inquiries. Furthermore I DO NOT give Equifax permission to report the hard inquiries. Per XXXX XXXX XXXX XXXX purpose of consumer reports ( XXXX ) in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. Since Equifax does not have my written consent, they by definition have committed IDENTITY THEFT. XXXX XXXX XXXX Definitions ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. That being said, all information resulting from identity theft must be BLOCKED according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation