vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
SageStream , LLC Consumer Center Support Team, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, a negative item was reported on my credit report due to the mishandling of my personal information, including sensitive data such as my Social Security number or financial details. This report was inaccurate and unjustified, causing significant emotional distress and harming my creditworthiness. Despite my efforts to maintain financial responsibility, this incident has jeopardized my ability to access credit and has created unnecessary hardship. I am requesting an investigation into the accuracy of the report, the removal of the negative item if found incorrect, and a detailed explanation of how this occurred and what steps are being taken to prevent it from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I purchased some pants through a website using my Chase credit card. I paid for these pants TWO WEEKS before they arrived and were not what the website said they were. I contacted Chase and reported the transactions as fraudulent. Chase claims they issued a credit, but I have NOT seen the credit AND they also completely removed the transactions so I can not physically see when the credits were supposedly applied. I pay my bills WEEKLY not when statements are due! Therefore I should be seeing this credit on my account. I have contacted XXXX XXXX XXXX XXXX for help and Chase is refusing to comply with either my personal request to them NOR XXXX XXXX XXXX XXXX request for documentation and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MA

Complaint narrative:
Dear LexisNexis Risk Solutions Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Requested the name of customer representative and supervisor who neglected to offer to assist me in submitting a float removal request along with your name, account number, and email address.

I had proof that the payment had cleared, with a before and after balance listed for the hold to be removed. If I was allowed to provide this information, the hold may have been removed within an hour. I was not allowed to provide this information. 

For the next seven days, I was without the funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I believe that the bank/company did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank/company recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the bank/company will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the bank/company liability means the bank/company owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MD

Complaint narrative:
Someone stole my ssn. There has been a police report filed. They used it to purchase utilities for an address I have never lived in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX 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 2024-12-18 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: IL

Complaint narrative:
Dear CFPB I am writing to formally request the removal of certain inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have reviewed my credit report and noticed that the following inquiries were made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These inquiries were made without my consent, and I believe they do not accurately represent my credit history. Under the FCRA, I have the right to dispute any inaccurate or unauthorized information in my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any actions you take regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your response. 

Sincerely, 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB I am writing to formally request the removal of certain inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have reviewed my credit report and noticed that the following inquiries were made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These inquiries were made without my consent, and I believe they do not accurately represent my credit history. Under the FCRA, I have the right to dispute any inaccurate or unauthorized information in my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any actions you take regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB I am writing to formally request the removal of certain inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have reviewed my credit report and noticed that the following inquiries were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These inquiries were made without my consent, and I believe they do not accurately represent my credit history. Under the FCRA, I have the right to dispute any inaccurate or unauthorized information in my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any actions you take regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your response. 

Sincerely, 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 2024-12-18 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: TX

Complaint narrative:
I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. 

I am attaching all documents : 1 ) FTC Identity theift report from XXXX and XXXX 2 ) Local Police report from XXXX XXXX ) All ID notarized. 
4 ) Credit report from three agencies. 
5 ) Utility bill Now, i dont want same letter back to me. I will send to FTC and Federal Lawsuite to full extent of law. 

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. 
I am from XXXX  attached is my all forms of ID Notarized. 

1 ) I am Exercise my State Privacy Rights 2 ) Do Not Sell or Share My Personal 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 2024-12-18 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:
I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. 

I am attaching all documents : XXXX ) FTC Identity theift report from XXXX and XXXX XXXX XXXX XXXX Police report from XXXX XXXX ) All ID notarized. 
4 ) Credit report from three agencies.

5 ) Utility bill Now, i dont want same letter back to me. I will send to FTC and Federal Lawsuite to full extent of law.

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of California, Colorado, Connecticut, Montana, Nevada, New Jersey, Oregon, Texas, Utah, or Virginia, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. 
I am from Texas attached is my all forms of ID Notarized. 

XXXX ) I am Exercise my State Privacy Rights XXXX ) Do Not Sell or Share My Personal 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