vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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:
XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. 'XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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:
EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' XXXX. XXXX XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX a charge was made to XXXX using my XXXX XXXX account. Upon learning about the charge, we immediately called the bank. We were told a new debit card would be sent and we were to destroy the old one, which we did. We waiting and the card never came to our address. The bank out the money back in. We called the wire line and filed a complaint, nothing has come of that. 

Then, on XXXX, my sons account was drained at ATMs and XXXX in the XXXX are. This time I called the bank and we went in. When we went in, the banker showed us the card and the directions to reset the pin was sent to an address in XXXX that we have never seen before, and we live in XXXX. My son was with us in XXXX. We were told not to worry they closed his old account opened a new one and replaced the money. They said there would be an investigation, but that it was obviously not him. By now I had called the bank several times over, and heard many different stories. Some CSR would not talk to me because this was my sons account ( who is a XXXX ). 

Then on XX/XX/XXXX, the bank removed {$400.00} from my sons account. When I called in, they said the first case was closed and it looks like my son took the money. We went round and round, I talked to another person, I went into the bank, and finally called again and told someone this is fishy. The card was sent to an address that is not ours. She asked if I could prove he was not is XXXX. So on XXXX  I sent over his school attendance records, the police report, and explained why I was reaching out again. 
Just last week, I received a message from the bank asking what this is in reference to, and for more information. 

I feel like this bank has someone on the inside that purposely goes after these XXXX because they are XXXX  and wont fight back. The thing is, he worked all XXXX for that money. And to be given the runaround is so much more than frustrating. When we set up the account with the banker, we specifically asked for help securing his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 item of information, other then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection.

Im requesting that all inquiries be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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 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 2023-11-03 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: KY

Complaint narrative:
.In accordance with the Fair Credit Reporting act XXXX Account # XXXX : XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: WV

Complaint narrative:
According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, XXXX to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called XXXX XXXX XXXX to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched to the XXXX repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek assistance and guidance regarding a matter related to the timing of payments on my credit accounts. Under the provisions of 15 U.S. Code 1666b, I believe I may have experienced issues that warrant your attention and intervention.

I hold various credit accounts with different financial institutions, and I have noticed that there have been instances where my payments were credited as late, even though I made the payments well before the due date, in accordance with the terms and conditions of the respective credit agreements. These late payment notations on my credit reports are adversely affecting my credit score and financial standing, which is of great concern to me.

As per 15 U.S. Code 1666b, creditors are required to credit payments as of the date of receipt. I have documentary evidence, such as payment receipts and bank statements, demonstrating that I made timely payments. Despite this, I have faced difficulties in getting the late payment notations corrected on my credit reports. These inaccuracies have had a significant impact on my ability to obtain credit and favorable terms for financial products. 

I kindly request your assistance in investigating and rectifying this matter. Specifically, I am seeking : A review of the credit reporting practices of the institutions involved to ensure compliance with 15 U.S. Code 1666b.

Corrective actions to remove any incorrect late payment notations from my credit reports.

Guidance on how to prevent future occurrences of incorrect late payment notations on my credit reports.

I am attaching copies of the relevant documents, including payment receipts, bank statements, and credit reports, to support my case. I would be grateful for your prompt attention to this matter and any guidance or intervention you can provide.

I understand the importance of maintaining accurate credit information, and I believe that resolving this issue will help me regain my financial stability. I appreciate your help and support in addressing this matter in accordance with the provisions of 15 U.S. Code 1666b.

Please feel free to contact me at the above-mentioned phone number or email address if you require any additional information or clarification.

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Before my identity was stolen because of the data breach because of Equifax, the credit reporting agency. My credit was XXXX. When my identity was stolen it went all the way down to XXXX. After working tirelessly on this by myself although I was supposed to be getting help from the identity restoration specialist I have a question. When does this end when am I going to be protected by the laws that govern the state of California? When I turn in police reports when I turn in all of the stuff I have been told to why isn't that good enough? Because of this nightmare I have been denied my social security XXXX claim and this is your fault because I could not do my taxes because someone else was turning in taxes in my name and now social Security is treating me poorly. And do you think that you can get anybody on the phone at your company nope. The most important grievance that I have and that I need to have rectified is, how come I get to work up to a measly XXXX points when I was at XXXX prior to the theft why can't I have my credit score back you are the ones who got it stolen and y whole life had been ruined because of you. I did my part to show you what happened and I made my charges against the person who stole it how come you're not helping me now ever you've never helped me I want my credit score back it's your fault that it's like this I think that you need to give it back to me and wipe all the stuff off the credit report that I have because I have proven that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I reached out to XXXX to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXX CA XXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated American Express. I haven't conducted, nor ever received a statement, or any other business with American Express from that address. Also, American Express has the credit account as a charge-off, but they never sent me a XXXX. American Express is also selling my information to debt collectors without consent ( please see attached letter ). I need American Express to have that inaccurate information deleted off my credit report immediately. American Express is utilizing unfair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: GA

Complaint narrative:
I don't want these inquiries to be in my credit reporr anymore as I did not initiate any contacts with them

Company response to consumer: Closed with non-monetary relief