vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of bankruptcy information by XXXX XXXX XXXX, Experian, XXXX and XXXXXXXX XXXX XXXX in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the bankruptcy court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information.

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : Bankruptcy records must be reported accurately and only by authorized entities. Since the bankruptcy court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of 1974, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this bankruptcy information within four ( 4 ) days, and failure to do so constitutes further non-compliance.

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate bankruptcy information from my credit report.

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the bankruptcy court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

Reference No : XXXXXXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : 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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I APPLIED FOR A CREDIT CARD WITH ALLIANT CREDIT UNION ON XX/XX/year> & WAS DENIED. 

UNDER TITLE 15 SUBSECTION 1611 FALSE & MISLEADING DENIAL OF MY OWN CREDIT. 

THE ENTIRE CONSUMER TRANSACTION IS PREDICATED ON MY UNLIMITED CREDIT. 

I WANTED TO ACCESS A PORTION OF MY CREDIT. 

I ASKED TO SPEAK TO AN UNDERWRITER TO ASK FOR A LIST OF ALL THE FACTORS THAT WAS INVOLVED IN THIS CONSUMER TRANSACTION BECAUSE I WANTED TO ACCESS A PORTION OF MY UNLIMITED CREDIT. THIS IS/ WAS NOT A CREDIT TRANSACTION, THIS WAS/ A CONSUMER TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/XXXX someone was able to convinve PNC telephone banking that they were me. I tried to warn them, they ignored me. They changed the phone number and put in a fake email addresss to the account. They were then able to drain my account in 3 separate withdrawals/purchases in a city in Indianna.Total I lost > $ XXXX iniating 3 appeals for these charges, PNC claims that no error occured on their part and I will be heldliable for {$2900.00} transaction. PNC claims their determination was based on " transaction details and customer 's historical pattern of abuse. '' I have never been to XXXX, XXXX, and a currently XXXX XXXX XXXX XXXX XXXXXXXX. I have requested thir copies of any docuemnts supporting this decision, but as of yet, I have not received any of the three as of XX/XX/XXXX. Nor have I received the refund for that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-23 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: SC

Complaint narrative:
I received a copy of my credit report and found that XXXX XXXX XXXX Acct. numbers XXXX XXXX XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length XXXX XXXX  Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " Last Verified '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " Last Verified '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, 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 2024-12-23 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2024-12-23 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 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 and Equifax have 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly examine the fraudulent and suspicious items 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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against Chase Bank regarding their XXXX XXXX XXXX offer on my credit card. I have been making regular payments toward both my XXXX XXXX XXXX balance and my monthly credit card charges. However, due to unclear payment options on their website, Chase misapplied my payments, leading to unnecessary interest charges on my monthly balance. I believe they set it up in a way to confuse and mislead customers so they fall into situations like this. I now owe interest on my monthly payments over XXXX  months at XXXX % + interest payments. Because my credit card payments were applied to the pay over time balance. They said they couldn't relocate the funds towards the credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal {$6600.00}. XXXX XXXX bal. 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 2024-12-23 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
Someone pulled a loan out in my name threw mohela for {$10000.00} Ive filled reports to the police and everywhere else even the fraud packet mohela is telling me its denied because I need to provide proof of the classes I took I never took any classes and they wont listen that someone used my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have over XXXX payments on the IDR and have not received loan forgiveness. My first loan was taken out in 1991. When I called the servicer, Nelnet, I was told that they receive that information from you and the first representative could not access the platform to give me that information but to call studentaid.gov to get that information since that is where it comes from. The second representative told me that I had only been in XXXX for XXXX months and would have to wait XXXX years. I escalated the call to a supervisor who told me that no one is getting forgiveness because of the federal injunction and instructed me to call XXXX for clarity about my IDR and public service forgiveness requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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 am writing to inform you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent account and inquiry be blocked and deleted from my credit report immediately : Fraudulent Account : XXXX - XXXX - XX/XX/year> - {$7900.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
I am writing to inform you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent account and inquiry be blocked and deleted from my credit report immediately : Fraudulent Account : XXXX - XXXX - XX/XX/year> - {$7900.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/year>

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