vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BH Financial Group, LLC
State: CA

Complaint narrative:
Since XX/XX/2023, i've reached out to A third Party Debt Collector ; SIERRA MANAGED ASSET PLAN LLC multiple attempts to stop debt collection of a debt that was a result of Identity Theft from XXXX XXXX XXXX. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX. I recently took a look at my credit report, I noticed that you are reporting this account incorrectly This collection account is reporting not as OPEN but, shows a past due balance of {$540.00}. According to the FCRA, I have right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-06-04 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: MA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-04 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: MA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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:
There was an issue with my account information on the application to make a payment. My credit reporting is showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that the account was past due. This was due to account information being invalid when setting up payment.

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 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/year>, i've reached out to A third Party Debt Collector ; XXXX XXXX XXXX XXXX XXXX  multiple attempts to stop debt collection of a debt that was a result of Identity Theft from Wells Fargo Bank. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.

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 2024-06-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
It's been more than 3 months since I have lost access to view my consumer report online with ChexSystems, I have called several times asking for a solution without any success. They keep telling me another department is working with my file, but as I said previously it has been several months without access with no solution. 

Online error code : XXXX Username : XXXX XXXX attached file for error message.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate information reported by Checkr on my background report. The report contains false information provided by XXXX XXXX XXXX, which has negatively impacted my employment opportunities. 

Dates and Incident Description : - On XX/XX/XXXX, I discovered inaccurate information on my Checkr background report. 
- On XX/XX/XXXX, I submitted a dispute to Checkr via their online platform, providing evidence to support my claim. 
- On XX/XX/XXXX, I followed up with an email to Checkrs customer support, reiterating my dispute and attaching additional documentation. 
- On XX/XX/XXXX, I received a response from Checkr stating that they would not remove the inaccurate information despite the evidence provided. 

Evidence Provided : - Court records from XXXX XXXX XXXX showing the case outcome and proving the reported information is false. 

- XXXX documents from XXXX XXXX XXXX confirming the inaccuracies. 

- Copies of all email communications with XXXX and XXXX : The false information on my background report has resulted in several lost job opportunities, causing financial hardship and undue stress. Despite providing clear evidence, Checkr has refused to correct the inaccuracies, leaving me with no other recourse but to file this complaint. 

Actions Taken : - I contacted XXXX XXXX XXXX to request correction of the false information. 

- I submitted a formal dispute to Checkr with all necessary evidence. 

XXXX XXXX : Checkr has refused to remove the false information from my background report despite the clear evidence provided. This refusal violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of information in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MPOWER Financing, Public Benefit Corporation
State: GA

Complaint narrative:
I had XXXX student loans with MPOWER Financing, and serviced by XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX, when I refinanced them. My new lender paid off my previous balance, but the payment was more than {$1000.00} higher than my balance. Moreover, having previously set up auto payment, I paid my regular monthly payment ( ~ {$530.00} ), one day after the refinancing had been completed. 
Subsequently, on XX/XX/XXXX, XXXX XXXX issued refunds for me and the new lender, to be paid within XXXX (! ) days. A couple of days later I exchanged a few emails with customer support, asking for a finance charge analysis because the refund issued to the new lender should have been somewhat higher, according to my calculations. 
Since then, I've called customer support quite a few times and they always seem to need more time. Every time I call them they ask for another XXXX business days. The last time they replied in an email was on XX/XX/XXXX, when they asked for another XXXX business days. Today is XX/XX/XXXX and no replies or payments have been received. Neither towards the new lender nor towards be, even though there's nothing to calculate before returning an extra payment that happened after the closing of the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: LA

Complaint narrative:
Response to Request for Identity Verification for dispute made on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: IA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-04 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: VA

Complaint narrative:
Experian has given me a poor experience of the dispute process related to two credit card accounts reported incorrectly. 

Experian has received disputes about the XXXX card four times, and the XXXX card has been disputed four times. Each dispute result reaffirmed the inaccurate derogatory reporting. The disputes detailed that these two accounts were paid in full and not included in bankruptcy. The dispute process only added the positive paid history or changed the date of delinquency from XX/XX/XXXX to XX/XX/XXXX, while XX/XX/XXXX is the date that the account was last used for activity and paid in full. 

The dispute process with Experian did not investigate this reported data to confirm it was accurate. 

After four chances to correct my reported data, I submitted a complaint with the consumer finance protection bureau with the two credit card companies. These accounts have been updated as paid in full and do not mention bankruptcy at all. Experian has not updated these accounts, and they have had 15 months to fix these accounts; prolonging the update is unnecessary. 

My complaint is that Experian is in a position to report accounts that belong to me for the use of creditors and this information reported is not accurate. Additionally, Experian has not updated the reports even though XXXX reported the correct information on XX/XX/XXXX and XXXX reported the update on XX/XX/XXXX. Experian is the only agency that has not updated my report to reflect the correct information.

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 2024-06-05 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-04 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are 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 non-monetary relief
Consumer complaint received 2024-06-04 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULENT INQUIRIES! 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2024

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 2024-06-04 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: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
Inaccurate Name and Address

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 2024-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I reached out immediately to progressive because I noticed derogatory mark on my credit file. 
XXXX XXXX from progressive told me in XXXX| had a balance of XXXX | was not aware because my policy was renewed XXXX years and it was never mentioned to me about a XXXX. I'm currently with progressive today and XXXX on my auto policy. XXXX enroll in automatic payments if I was inform or sent a current email about the balance I would have paid immediately. I was told by XXXX from progressive that it was overlook during XXXX pandemic. I spoke with agent XXXX from collection XXXX XXXX XXXX and paid amount in full immediately with XXXX and she also said she would put in a request to the credit bureau to remove derogatory mark from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-06-05 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: NY

Complaint narrative:
Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX 2024

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 2024-06-05 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:
Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief