vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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 am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I have contacted the below companies and Experian under the CFIPA & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. Experian is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. 
I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from Experian systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating 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 explanation
Consumer complaint received 2024-05-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of 15 USC 1681s-2. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX, TX 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 2024-05-29 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: TX

Complaint narrative:
There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of XXXX XXXX XXXX. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXXXXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.

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 2024-05-29 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: FL

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXXXXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase Bank is reporting the wrong mailing and residential address to the credit bureaus and other entities. Consequently, my mail, packages, credit card information and credit cards are getting sent to the wrong address. I reported the issue with my address to the company last year. I was told it would be taken care of, but nothing was done. A few months ago, I filed a claim with XXXX asking them to remove the address from my credit report. According to XXXX, Chase keeps reporting the address as correct, so XXXX will not remove it. I spoke with someone again at Chase this morning XXXX about this issue. He stated he would change the address in the system, but this is the same thing I was told last year and nothing was done. As a result, I don't trust that this issue will get rectified without outside help. With my mail, packages, credit card information and credit cards being sent to the wrong address Chase 's negligence in not correcting my address is putting me at greater risk for fraud, if it hasn't already happened. Additionally, I have filed claims with USPS and I also filed a police report thinking that I was the victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. These accounts have been inaccurately reported. I am entitled to {$1000.00} for each false report on my credit file.

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 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2024-05-29 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: VI

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer 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 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 the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also 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 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 of 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 2024-05-29 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer 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 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 the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo is eliminating XXXX Checking and switching those customers to Everyday Checking. They claim to not reduce any benefits, but hidden from the information provided on their notification they do not tell customers that their checking account will no longer provide interest. I had to dig pretty deep on their website to find this change. While the interest they pay is scant, they probably save {$.00} annually across the, likely, thousands of customers they switch. The big problem is they don't make this obvious to customers. They XXXX have as much as millions of customers being switched which could run the monetary gain to Wells Fargo ( and loss to customers ) to as much as {$600000.00} per XXXX customers.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to XXXX XXXX, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is getting repetitive. I will keep addressing this issue until its resolved i requested verification of my credit acceptance account i also requested to it be deleted in accordance with the FCRA and consumer laws. THey deleted this is account and reinstated. this is a violation of 15 usc 1681i reinstatement of unverifiable information. Experian is reporting inaccurate information and reinstating unverifiable information from incredulous sources.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to XXXX XXXX, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: I.A.C. INC
State: CT

Complaint narrative:
In XX/XX/XXXX I went outside to get into my XXXX XXXX XXXX. The loan was through IAC located at XXXX XXXX XXXX XXXX XXXX, CT. The car was gone, so immediately I called the company to speak with " XXXX '' who I had been working with for years. I will admit there were times that I may have made less of a payment than the arrangement, however the following week I always made up for it. XXXX and I had an ongoing arrangement, that I always honored when making payments. In addition, I was ONLY about {$1200.00} away from paying the loan off in FULL. XXXX refused to speak with me and transferred me over to a woman who said that I had to pay {$2000.00} that day to get the car back. I had said that I did not have that amount right then but I would come up with it. 1 week later, on XX/XX/XXXX I had the money to pay for whatever balance of the car they were asking for. I called IAC back and asked to pay the balance, at which point they told me it was NOW {$2200.00}. I asked why it went up? They explained to me that because a week went by and the " storage fees '' the amount went up. Either way, I paid the {$2200.00} to get my car back. I asked them to please release the vehicle and I would go and pick it up that day. You will be able to see via email screen shots, that I was advised the car was all set and I could go and pick it up. They gave me the number to " XXXX '', who gave me the number to the local tow company. I called that guy and he tells me that I needed to now pay him {$900.00} to get the car back and it I didn't come that day by XXXX, it would be an additional $ XXXX until the car is picked up. I told him that I was NEVER told about having to pay him and I was actually advised that the reason the payment even went up from IAC, was due to " storage fees ''. I told the guy that I can not afford another {$900.00}. About 28 Days later I receive a text message from a gentleman from XXXX XXXX XXXX XXXX, asking me for the keys to the car, so that he didn't have to make a copy. I asked why? and he said bc the car was seized and was going to auction and only after 28 days. He then proceeds to tell me that the car actually did not even go to the correct tow location and I was never supposed to be charged those fees .... {$900.00} in fees. I explained to him ; then the car is mine. Can I come and pick it up, because I paid all of the fees with IAC that I needed to. He then said ; he was sorry and it was too late and the car was already going to auction. I ended up giving the gentleman the keys to the car and now have been without a vehicle since XX/XX/XXXX and there is a NEGATIVE rating on my husbands credit report stating we owe {$340.00} even after the car was auctioned. NONE of what happened here was within CT State Laws and I am VERY upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Date account was open XX/XX/year> Creditor name : XXXX XXXX XXXX Collection agency : Midland cred Balance : {$1200.00}, This company sent this debt to the collection agency as a charge off However, I am unaware of this debt I didn't have a opportunity to dispute this information, if in fact you Believe you gave me proper notification then please send me the certified mail receipt with my name and address on it stating that I received it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Hello, I obtained a XXXX XXXX XXXX with santander in XXXX. I had XXXX  insurance with the company but paid off the vehicle with the company before the term of the loan, but the XXXX  insurance was not refunded to me. I requested this from dealership and company with no avail.

Company response to consumer: Closed with explanation