vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 ( 7 ) years

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 2024-10-01 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 ( 7 ) years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Someone tried to open an account in my name at synchrony back Sams credit card. So now I have a hard inquiry on my credit 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a business card for my business XXXX XXXX. I closed the account on XX/XX/XXXX because I had to dissolve the business. This card was never reported to my personal account as it was a business card. I attempted to pay but also advised representatives that my financial status had changed and I wanted to set up a payment plan. They advised that since I was not past due... there was nothing they could do. Last week, I received an update from the credit reporting agency noting that my score decreased by XXXX points due to the reporting of this business card on my personal account as 60 days past due. I called Chase and was advised that " they can do that ''. I was also advised that they closed the account in XX/XX/XXXX which is untrue. I want this card removed from my account as it should not be there in the first place. I want someone to attempt to set up reasonable payment plans with me as I expressed well before it went past due that I needed help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-01 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I submitted an application for the XXXX plan over the summer. I went in to Mohela to check on the status because I had gotten a past due notice and I was not enrolled in XXXX but in an different payment plan. I sent a secure message asking why I was not enrolled in XXXX and in deferment because of XXXX 's current legal status. They responded that it was to complicated to discuss by email and I needed to call in. I have called repeatedly and am on hold for hours. 

Now my account is being transferred to a new system, so I can not view it and can not get someone on the phone. I wanted to submit a new application for XXXX since Mohela 's website does not let you see past applications and was concerned they would say I had not applied. Since my account is being transferred to the new system, I could not submit a new application online. 

I faxed a new application along with my paystub today since today is the deadline just to be safe. I have a saved copy of the fax coversheet confirmed it was sent and a copy of what I sent. 

Could you help me resolve this so I can enrolled in XXXX  and payments are deferred? 

Thank you, 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 2024-10-01 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: PA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
When I reviewed my credit report this morning, I noticed unauthorized inquiries that should not be there, and Im absolutely baffled as to why. I check my report consistently, but today, strange discrepancies just appeared. I even tried refreshing the page to see if it was just a system error, but nothing changed. Im incredibly frustrated and demand that the documents Ive sent be reviewed carefully, so I never have to face this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-01 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-01 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 remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
AMSHER has failed to respond to electronic communications from XX/XX/XXXX through today. 

They have incorrectly reported on the credit report of XXXX XXXX XXXX which they were not authorized to due so. NO agreement has been presented by Amsher signed between Amsher and XXXX. 

They have caused damage to XXXX XXXX Credit report and use the name without permission of the owner whom has implied ownership over XXXX XXXX XXXX and a notarized POA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: TN

Complaint narrative:
I mailed a debt validation letter on XX/XX/year> to Allied Interstate, LLC. I asked them to provide proof that I owed the debt and proof that they are the correct company to pay. They did not provide the documents requested. Instead they have continued to send me debt collection documents.

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 2024-10-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing in response to your recent communication regarding the issues with my account and the reported inaccuracies on my credit report. I appreciate your prompt attention to this matter, but I must clarify that I believe significant errors have occurred that need to be addressed. 
As previously stated, I paid off a balance of {$1000.00} in XX/XX/year>. Despite this payment being reflected on my statement initially, it was later removed without my knowledge, leading to continued interest charges on a balance that I had already settled. This has resulted in the misleading reporting of my account status to all three credit bureaus, which has negatively impacted my credit score. 
I have documentation supporting my claim, including the monthly statement that confirms the payment was posted and subsequently removed. It is concerning that your records do not reflect this, and I urge you to review them thoroughly. 
The consequences of these errors are significant. My credit report now inaccurately indicates that I owe {$1500.00}, which has hindered my ability to secure necessary repairs for my home. I believe it is in both our interests to resolve this matter swiftly and restore my credit standing. 
I kindly request that you conduct a thorough investigation into my account and take the necessary steps to correct the inaccuracies reported to the credit bureaus. I look forward to your response detailing how you intend to resolve this issue. 
XXXX request to resolve credit reporting issue***

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 2024-10-01 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: PA

Complaint narrative:
I was recently reviewing my credit profile to get ready to buy a house. While checking credit, I've noticed fraudulent accounts and inquiries on my credit profile which will be listed in attached Identity theft affidavit. I've called all the original creditors who told me to file police report with local police department and file disputes directly with credit reporting bureaus. This same instruction was given by credit bureaus themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Between XX/XX/XXXX through XXXX the third, I purchased a XXXX of the commercial Espresso coffee machines from XXXX website using a PayPal and Venmo to make the payment. However I didnt not received any item from the seller. All I was getting was a email and message saying that, the items are successfully delivered. The only thing that I received from the website is a silver dollar. I received same exact thing, silver coins. Once I realized that, the site is scam, I opened a dispute complaint on XXXX XXXX with PayPal, Venmo, the website and my bank institution. 
All disputed charge with Venmo was successfully resolved. I received a a refund for all charges. The website did refunded. But with PayPal, out of XXXX transactions, I received a refund for XXXX items and still waiting on the XXXX more. In the amount of XXXX still waiting to get resolved. The XXXX transactions that Im still waiting to get a resolution from my bank institution and or PayPal and its taking too long. Every time I call to my bank, they tell me to contact PayPal, when I call PayPal, they tell me to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX  CA XXXX XXXX XXXX Bankruptcy Reference # XXXX Federal XXXX  XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief