vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-11-22 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: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-11-22 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 2024-11-22 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: 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My line of credit Account number : XXXX : from XXXXXXXX XXXX, Balance is " XXXX '' Not over $ XXXX, paid off. please see Attachment from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MA

Complaint narrative:
My line of credit Account number : XXXX : from XXXXXXXX XXXXXXXX, Balance is " XXXX '' Not over $ XXXX, paid off. please see Attachment from 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAVE ONE LATE 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 ANY PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO 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 2024-11-22 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: NY

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAVE ONE LATE 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 ANY PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.

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 2024-11-22 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: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I sent in a letter stating that the inquires were not authorized and demand settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX Camp XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Arkansas XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : AUTO LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX Account Number or other information to identify account : XXXX, XXXX, Dates associated with item being disputed : EDUCATION LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number or other information to identify account : XXXX Dates associated with the item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UR XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Although bankruptcies are public record as per 15 U.S CODE 1681 ( a ) ( 2 ) ( b ) my written instructions are required for this information to be published and I have not provided any written instructions consenting to this. I also previously requested to know how this bankruptcy was even verified and the response was they received my full social security number from the nationwide consumer reporting agencies. I would like to know who provided authorization to share my full confidential social security number. According to Bankruptcy rule 9037 social security numbers are partially redacted, addresses are partially redacted. I still have not received all of the documentation to how this was verified. Process and procedures of verification have been requested multiple times. 15 U.S. Code 1681n

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 2024-11-22 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: NY

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAVE ONE LATE 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 ANY PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO 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 explanation
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Address 's : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Address 's : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: DE

Complaint narrative:
I contacted the company they said it was something called snap finance but Ive never done business with them and at the time I had an identity frezze on my account so Im not sure how its even possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XXXX/XXXX/2024 i did a settlement of pay to delete of {$160.00}

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 2024-11-22 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: FL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review

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 2024-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Compliant Regarding Inaccurate Reporting by XXXX  Dear CFPB, I am filing this formal complaint regarding XXXXXXXX XXXX failure to comply with federal reporting standards under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve discrepancies regarding student loan accounts reported by Navient, these issues remain unresolved. They have transferred my loans to XXXX I request your assistance in investigating XXXX XXXX non-compliance with : 1. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) 2. FCRA Section 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) 3. FCRA Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I have attached all supporting documentation and correspondence for your review. I trust the CFPB to ensure compliance and enforce the necessary corrective actions. Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been dealing with a series of complications related to my business checking account. My debit card was locked due to technical issues, which prevented me from using it to complete an important business purchase. I contacted support for assistance, but they were unable to unlock the card. In order to proceed with the purchase, I transferred {$150.00} of the necessary funds to another account which included a {$15.00} dollars fee charged by XXXX on XX/XX/XXXX. 

Unfortunately, the wire transfer was made using an incorrect routing number, XXXX, directing the funds to JP Morgan Chase instead of the intended account. The transfer was initiated on XX/XX/XXXX, but neither JP Morgan Chase nor XXXX has been able to assist in resolving the issue. JP Morgan Chase has provided minimal information regarding the status of the transfer and has been unable to clarify how or when the funds will be returned. 

XXXX has confirmed that the wire transfer appears to have been completed on their end, but they have informed me that they can not reverse the transfer. Despite having the confirmation and tracking information for the wire, both banks have been unhelpful, leaving me in a situation where the funds have not been returned to my XXXX checking account. As of now, I am still waiting for guidance on how to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-11-22 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief