vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I used XXXX 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted XXXX and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after XXXX  days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the XXXX days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called XXXX and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with XXXX. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.

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 2023-10-12 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within XXXX  days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title XXXX PA.C.S XXXX. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within XXXX years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2023 I received a text message from Chime At XXXX, saying.. ( Did you try to use your Chime card for XXXX {$.00} at XXXX XXXX XXXX XXXX Reply yes or no ). I immediately replied no, checked my account and saw a withdrawal at XXXX for XXXX ,, I immediately called them and spoke to a representative in which she told me that the transaction at XXXX XXXX for XXXX $ had been blocked, but the transaction for XXXX was pending and that there was nothing that she could do at this time for that transaction because it was still pending. That I would have to wait until the Transaction was completed before i could dispute it. I checked my account all weekend and finally on Tuesday XXXX XXXX XXXX it had completed the transaction of {$400.00}. I immediately called Chime to dispute the transaction. 
They opened a dispute of a case # XXXX and at XXXX they had contacted me via email that the dispute had been closed due to no error occurred. I called them again immediately @ XXXX to dispute their decision and had the case reopened. With a case # XXXX. I then received another email & XXXX stating the dispute had been closed again due to no error occurred. I then called Chime again XXXX at XXXX to dispute their decision again. They reopened the case again and again emailed me @ XXXX stating they were closing the case and I was denied my refund of {$400.00} due to no error occurred. Now I am reaching out to you all pleading for my refund of {$400.00}. I am a XXXX mother and I know my account was hacked/compromised and so does Chime especially since they were the ones who contacted me first to Make me aware of that moneys being taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX TransUnion is violating my federally protected consumer rightsXXXX XXXXXXXX & TransUnion is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX XXXX XXXX XXXX TransUnion never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d )
( 2 ) ( A ) ( i ) .-XXXX, XXXX & TransUnion is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a
) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, XXXX & TransUnion has violated many of my federally protected rights by furnishing this information on my consumer report.

-According to 15 U.S.C 1681n ( a ) ( 1 XXXX XXXX XXXX XXXX & TransUnion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, XXXX XXXX TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

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 2023-10-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from JPMCP nor XXXX, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling JMPCP for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

XXXX is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

XXXX claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866.

My score, TAMPERED WITH, also dropped XXXX XXXX from this " hidden JMPCB inquiry '' resulting in a DECLINED NOT DENIED APPLICATION.

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}.

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by XXXX. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by XXXX and others to the point of exhaustion!

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've seen some hard inquiries that I did not authorized. Sent letters to credit bureaus, called some of the companies and I did not see the information falling off. I want these unauthorized inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TN

Complaint narrative:
The company is reporting incorrect information regarding my file. I have attempted numerous times to get the information corrected, and I am unable to reach anyone in the XXXX XXXX 
The representatives have stated that they would have a supervisor or XXXX call me back within XXXX hours and I have put XXXX different request in and no one has contacted me back. 

I have an escalated issue and I want someone within a leadership team and someone in the United States to return my phone call to get this issue resolved because it is having a negative impact regarding negative information contained in this report. 

I have been a victim of identity theft in the past, and this issue is still not corrected within the database of XXXX XXXX, as well as SageStream.. 
I have an alert on my credit file which is doing no good. 

I am also following this complaint with the consumer financial protection bureau, as well as the Better Business Bureau. 

The issue of this not getting resolved, has had a negative impact on my credit rating as well as caused me financial hardship with terms that are not favorable to my correct credit rating. 

My insurance rates have went up on my vehicle due to incorrect information being reported inside these reports. 

I can be reached at area code XXXX. I want a correction to my credit report. I want a correction to my Lexis Nexis report and I want a permanent fix to the situation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the SAVE PLAN. They have erroneously denied and/or processed my PSLF application incorrectly. I selected SAVE when I submitted my consolidation request on XX/XX/XXXX. It is showing on your site as cancelled, so I resubmitted another IDR request in XXXX, which was closed out as a duplicate. Please process my request for SAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TX

Complaint narrative:
XXXX XXXX  Account number XXXX, Date opened XX/XX/2023, XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-10-12 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: PA

Complaint narrative:
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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Company response to consumer: Closed with non-monetary relief