vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to XXXX XXXX  and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to Portfolio Recovery and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following inquiries need to be removed from my credit report : XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX  Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX Requested On : XX/XX/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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Late payment to XXXX XXXX needs to be removed. The account is in great standing, and I have been extended more credit due to my timely payments and paying the account in full each month.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Transunion incorrectly reporting information that should have been removed several months ago. I intaially filed a compliant here with cfpb after many disputes and several years with no results. Cfpb immediately got a response including a letter from upper management explaining that they would stop reporting now that they had sold to collections. The company is XXXX XXXX XXXX XXXX. I'm not sure why months after this letter they still have lived up to their word. But I'm angry with Transunion now because their dispute process it automated completely. Not even flagging a human in situations like mine. So they investigated?,!! How dare they?? They send auto request to XXXX, who tells the automated system no this is correct. And they close the dispute and didn't even notify me!!! HELLO!!! TRANSUNION!!! GET THIS OFF MY 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 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Transunion for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Transunion, which they claim belong to me without providing any legally required proof : They are reporting themselves as an original creditor and reporting this account late every month when I have told them over and over that this account does not belong to me. 

XXXX XXXX XXXX Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), XXXX has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. Transunion has not complied with these requirements by failing to produce : 1.Proof of debt ownership, including original contracts or signed agreements confirming my liability.

2. Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Transunion nor the original creditor ( XXXX XXXX XXXX ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Transunion is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Transunion to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report. 

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 2024-10-06 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: OH

Complaint narrative:
XXXX XXXX XXXX. 
Account number XXXX Opened XXXX {$270.00} XXXX XXXX Account number XXXX Opened XXXX {$2000.00} XXXXXXXX XXXX XXXX Account number XXXX Opened XXXX {$630.00} This account does not belong to me. i have no knowledge of this account. 15 USC 1681b Please remove these accounts of of my 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like to first explain to you, that I have found errors in my consumer report. After looking at a copy of my credit report. The credit report showed incorrect information by your company that I do not authorize. Per 15 USC 1681 B Permissible Purposes, you need my approval to place any information on my credit report. Also, per 15 USC 1681 EB Compliance procedures, you have to be 100 % accurate you are not accurate.

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 2024-10-06 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: PA

Complaint narrative:
Equifax has not updated my account as current balance of {$0.00} Equifax has 3 accounts not showing updated as XXXX Equifax gives me the run around updating current reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ref : My business account # XXXX with Chase Bank With reference to the above account, I received a text from XXXX on XX/XX/year>, at XXXX XXXX  asking if I authorized a {$1000.00} charge and then saying that a wire transfer of {$30000.00} was initiated on my account. I ignored it as there were so many such fraudulent messages coming. Chase Fraud department ( The number said Chase XXXX ) called me at XXXX XXXX  saying that wires of {$30000.00} and {$19000.00} were being initiated from my business account and I needed to stop it. I spend time in the car, as I was driving, to cancel out the wires. 

Then they said that since the XXXX seemed to have been compromised I needed to speak to the Online Department team to fix this. I was transferred to XXXX in that department. 

He seemed to run a virus check and said that due to this problem, my account will be frozen for 60-90 days for investigation to happen. He suggested that I withdraw the money I have in cash and deposit it in Chase drive-up ATM in an escrow account and he will put it in the new account as soon as he created one. 

Believing him to be a Chase employee, I withdrew cash from my account to the tune of {$90000.00} and deposited through the Drive through ATM in the Chase branch at XXXX XXXX XXXX, XXXX XXXX, NY, Terminal ID XXXX. He used multiple Chase debit cards saying that each was temporary since the account is yet to be formed, and made me deposit the cash at the drive through ATM over two days. About $ XXXX were deposited. 

He asked me not to print a receipt as that will alert the bank people and freeze my account. I printed the last amount that I deposited. 

Sensing something wrong, I called Chase Customer Service explaining everything. They said that nothing like that exists and I have been a part of a scam. However, since I had the last receipt, I gave them some information and they identified the account to be belonging to one XXXX XXXX. It has been frozen. 

I request you help in getting back the money in full. Also, I want to know how did the Chase Fraud Department transferred me to a scam artist. Even if the number was fraudulently taken over by the scam artists and it was actually the scammers calling me, how the Chase department allow their most sensitive number to be taken over by these scam artists? The Chase branch confirmed that the number was their legitimate number. 

I am wiped out of {$90000.00} and this is something that I have worked hard for years and much of it belongs to clients who I have to pay for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My Experian credit score reduced by XXXX points today, XX/XX/XXXX, All my credit accounts are in order. I have paid all my bills on time. This is also shown on my credit report. I called them several times today but couldnt get through anyone. This is not the first time something like that happened. Last year they dropped XXXX points without any reason and did not restore these points after investigation. I see a lot of people making the same complaint. This is fraud that is affecting financial status of the targeted individuals. Please investigate this and take severe action. I will share my credit report if needed. Thank you!

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 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OK

Complaint narrative:
My loan was moved from XXXX to EdFinancial earlier this year. During this time there was about 1-2mo period where my loans were being transferred and no payments could be made. I am on a SAVE plan meaning I should accrue no interest as long as my minimum payments are made. My interest accrued during the transfer by several XXXX dollars. I reached out to EdFinancial and they said that since the interest accrued during the transfer period there was nothing that could be done about it. I did not ask for the loans to get transferred. I made all my payments on time. I do not think I should have to pay several thousands more in interest because of a transfer done that I did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
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  15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On about XX/XX/year> my account was charge for a check transaction in the amount of XXXX dollars I contact the bank about this fraudulent charge to my account. Someone wrote a check from my account that I was unaware of and did not have any checks from this account for XXXX to be written out from this is very confusing. They told me that my funds should be back in my account within XXXX business days. It is now XX/XX/XXXX I have yet to receive my funds. This is very inconvenient for me. I have bills that need to be paid. They said XXXX days, this is getting very frustrating can someone please help me retrieve my funds. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX redden XXXX XXXX Near XXXX XXXX, Kentucky without UNITED STATES not in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX NOTICE OF LIABILITY AND SELF EXECUTING DEFAULT 1. Request is for the original instrument on the underlying obligation. ( Original application/ source documentation bearing my social security account number that created the alleged account. ) Unless it's normal business practice for XXXX XXXX  XXXXAIDV to restrict trade and or performance. 
XXXX Who is the original creditor, If not the creditor, A request for XXXX XXXX XXXXAIDV mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 
XXXX. Ineed XXXX XXXX XXXXD/AIDV to provide the ( GAAP ) generally accepted accounting principles for this account.

4. Provide me with a certified copy of the SSA-89 form prior to the initiation of this account.

5. A completed W9 form. 
XXXXXXXX XXXX XXXXXXXXAIDV you have 10 days from receipt of this NOTICE to provide all requested documents herein and above. If XXXX XXXX XXXXAIDE attempts to send anything other than requested it will be considered as a NONRESPONSE and further attempts to deceive me will be used as evidence against you. As silence is tacit agreement under the law, silence can only be equated with fraud where there is a lawful or moral duty to speak, or where an inquiry left unanswered would be misleading, whether intentionally or not.

Failure to provide the requested above documentation will be the complete agreement between the parties with no reservations, no officer, agent, attorney, employee, etc,. may contest the finality of this judgment listed below, tacit agreement to the following : 1. XXXX XXXX XXXXAIDV agrees All and any reporting to all credit reporting services will be removed immediately with rapid rescore. 
XXXX. Agree XXXX XXXX XXXXAIDV commit violations of the FDCPA Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction Unfair or unconscionable debt collection practices, furnishing certain deceptive forms, deprivation of rights under color of law, warring against the constitution of the state and US, invasion of privacy, inland piracy, fictitious obligations, legal simulation/simulation of process, peonage, abuse of process, and deceptive business practices. 
XXXX. Agree XXXX XXXX XXXXAIDV Never gave me full disclosure that my financial info was to be shared with an " unaffiliated party '' like XXXX, XXXX, XXXX or XXXX. 
XXXX. Agree Failure to provide will have you scheduled for backup withholding. 
XXXX. Agree XXXX XXXX XXXXAIDV committed aggravated identity theft.

6. Agreement your agents may not contest the finality of this default judgment.

Company response to consumer: Closed with explanation