vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
In accordance with the Fair Ctedit 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 XXXX  XXXX Self XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also 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 item 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I got a flex loan nearly 4 years ago at cash express in XXXX, tn. I also got the cash express debit card. They also had a problem when I came in to withdraw my money from my direct deposit account, but never had a an issue taking automatic ach payments for my loan, sometimes twice a month. I got tired of and took my business elsewhere. They did not communicate at all and went straight to filing a lawsuit after almost 4 years. I am aware of the lawsuit they went through with CFPB. I am also aware that they were barred from doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am a victim of identity theft and so I followed all the appropriate steps when dealing with identity theft such as reporting to the local police department, Federal trade commission, identity theft.gov to get my identity theft report and affidavit that is needed to be sent to the Credit agencies. I called Experian to get information about the actions taken regarding my identity theft and I was told that I didn't send correct or enough information. I sent everything required of me by the Federal trade commission. I guess Experian has their own rules, which I don't understand. If Experian has their own rules then why is the federal government involved in this action. It seems to me that the information given to me on identity XXXX Federal trade commission should be what is required of me for Experian to do their part in removing these fraudulent items from my report. Do they make their own rules? Does Experian, have precedence over the Federal trade commission? The gentleman I spoke to whose name is XXXX from the Experian special service department continue to talk over me and tell me that the information that I sent was not enough. I pay {$30.00} a month for identity theft resolution and support I have not been contacted once by their resolution department or anybody else regarding the identity theft case that I filed almost 3 months ago. If that's the case I want 3 months of {$27.00} refunded to me and I also want what is required by fcra 15 USC 605b to go through without somebody telling me that I need more information. I sent everything according to the Federal trade commission identity theft.gov.

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 2024-04-16 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief
Consumer complaint received 2024-04-16 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/03 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided | demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/03 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided | demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-04-16 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: NC

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 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 2024-04-16 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: NJ

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

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 2024-04-16 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: NJ

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was just looking at my update credit report on XX/XX/2024 and found some accounts that were updated on my credit report is still reflecting negative and incorrect information on my recent report and needs to be update. My credit score is incorrect my address is incorrect and name that appears on my credit report is incorrect. 

According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Equifax continues to report my name my address and phone number incorrect and negative accounts that have updated to positive and my credit score still reporting incorrectly. I have attached my credit report from XX/XX/2024 I recently received Equifax has not updated my report to reflect XX/XX/2024 My credit report is still reporting negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NC

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 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 explanation
Consumer complaint received 2024-04-16 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: FISERV FINXACT CORE
State: MN

Complaint narrative:
Attached is a letter from XXXX stating that Im not responsible for the check that was written to XXXX for {$270.00} thats currently listed and showing on my XXXX XXXX Report. The check for {$270.00} that was written to XXXX thats currently listed and showing on my XXXX XXXX  Report is a fraudulent transaction.

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 2024-04-16 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: NV

Complaint narrative:
I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my credit report without my written consent is considered Identity theft.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my credit report without my written consent is considered Identity theft.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied to American Express for a platinum credit card and I was approved then denied, they sent my denial offer letter in the mail and I objected to the denial with my legal document that I sent to American Express. I was ignored and intentionally given the wrong address, which I have proof of because my legal document was sent through registered mail. I sent an adverse action letter denying the denial because after reading American Express prospectus, XXXX and XXXX filing with the security exchange I found some important factors. Pursuant to section 15G of the Security Exchange Act of 1934 credit can not be issued without collateral which I gave them already my application holds monetary value. My application was all they needed to extent credit to me, I can not be denied credit due to the fact that once my application was submitted and accepted it then became an asset backed security that this company will make millions off of. I have no problem with providing the company with what they need, I just want my account that I applied for opened and for it to be open ended with no present limit anything that is charged to the card will be accounted for is should I say paid back their words state that XXXX XXXX and XXXX. Ive been ignored purposely so the 30day window after the denial is given via written notice can be closed. If I dont get any help after this complaint I will be informing the sec XXXX This complaint was my last option in hopes that the company can make this right before I took that next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive ask since February for update

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 2024-04-16 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I submitted an application to transfer my balance FROM Chase Bank to an account I held with XXXX  XXXX XXXX. The wrong account was used, and I received a balance transfer from another customer at Chase, transferring their debt to my XXXX  XXXX XXXX account. The amount was never debited from MY Chase account. I have filed at least 3complaints with Chase and provided the number of the account erroneously used. Chase has failed to investigate and shown a basic lack of understanding of my issue. They have closed all complaints without investigation and refused to allow me to escalate the issue. I still have approximately {$2200.00} in debt on the XXXX  XXXX XXXX card that is not MY debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 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 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: The Winn Brown Law Firm, LLC
State: MS

Complaint narrative:
XXXX XXXX received letter in mail from employer stated they received a written of garnishment from XXXX XXXX XXXX that I owe from XXXX. I never received any court paper from them I only added them to my bankruptcy because it was on my credit report as past due payments/repossessed. They haven't sent me any letters pertaining to this matter and just sent to my employer for 25 % to be withheld.

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 2024-04-16 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: AZ

Complaint narrative:
I am in review of my credit report and found a fraudulent account from XXXX XXXX XXXX account number XXXX that was opened XX/XX/XXXX, for the amount of {$2900.00}. I sent a letter to XXXX XXXX on XX/XX/XXXX and they received it on XX/XX/XXXX. In my letter to XXXX, I dispute the debt and ask for a copy of the purchase agreement to validate the debt. I also file a complaint with the XXXX and request a copy of the purchase agreement and XXXX did not respond to my request for the purchase agreement. I did not sign a contact or authorize XXXX XXXX  company to open an account on my credit report. Please remove this account from my credit report. It is hurting my ability to obtain credit and degrading to my character.

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 2024-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: GA

Complaint narrative:
MOHELA/DOFED Is alleging I owe a debt I do not. The promissory note that they have possession of is the security being used to fund this credit transaction and under the XXXX that govern commercial transactions the securities should be registered with the SEC and display the owner of it. Furthermore each creditor that has an interest should file a XXXX XXXX with a financing statement outlining the debtor and creditor relationship alongside the collateral being used. I have researched the lien system and have found no evidence of a XXXX being placed. I havent received any profits from the selling of my security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2024-04-16 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 checked my credit report and found these accounts, hurting my report and this prevents me from getting new credit, please remove these fraudulent accounts from 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