vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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:
I received a copy of my credit report with the intention of trying to improve my credit and responsibility and I noticed an account that does not belong to me. I have no knowledge or have I ever had a signed contract with the account stated below. In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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.

the inaccurate information on my credit report is stopping me from improving my credit score and getting me approve for credit to get a new house for my family.

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 2024-03-06 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: IL

Complaint narrative:
To all these Presents come, Greetings : In accordance with provisions set forth at XXXXXXXX XXXX  XXXX XXXX, the neg accounts to Account XXXX : held with said custodian cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influer menace by any such XXXX  ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.

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 2024-03-06 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: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I am on the XXXX repayment plan. I should only be paying XXXX every month. I am being charged an additional XXXX every month on top of my XXXX. I show none of these payments on my student load page. I called Aidvantage and they do not show those payments on their end at all.They even told me that the money that is being taken out is not even being paid towards the balance of my loan. The Customer Service Rep and I have no clue where these payments are even going.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2024 @ XXXX PST : Received a welcome email from Chime.com. I did not create this account. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com with a direct deposit form attached. The name on this direct deposit form is not a person I am familiar with. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com that a debit card was being shipped. I am not familiar with the address shown in this email. 

I believe my email and possibly social security number have been used to open this account. 

I have contacted the company but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

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 2024-03-06 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: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
We open 2 accounts on XX/XX/XXXX Saving account # XXXX ( {$1400.00} ) and Checking account # XXXX ( {$2000.00} ) The checking was transfer from the saving account # XXXX that was just open. The saving account also have my sister and father on it. 

On XX/XX/XXXX, I can not access the online account. I was told the accounts are being close and I will receive my fund back in the mail in a form of 2 checks. 

I did not received the checks but the letter from Chase bank notified that the account is closed. 

On XX/XX/XXXX, my father and I have called on XX/XX/XXXX. We was told that the checks will be sent. 

On XX/XX/XXXX, the checks were not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX in 10 days. 

On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in 10 days. 
We was told that our previous called was never received, an only the XX/XX/XXXX was on record.. She told us that if we call and check back by next Tuesday, that there will be a check number written for our checks. The checks will be for {$2000.00} and {$1400.00} On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told by the supervisor that the money from the checking and saving accounts was XXXX. Someone from Chase would call back the next day. NO ONE CALLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove them from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: COMMUNITY REINVESTMENT FUND
State: GA

Complaint narrative:
Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that XXXX XXXX XXXX reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by XXXX XXXX XXXX, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From what I understand, FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you please take a look at the documents? There seem to be inaccuracies in some of the listed accounts, and it's causing me some discomfort.

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 2024-03-06 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-06 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:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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

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 2024-03-06 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: IL

Complaint narrative:
To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX  XXXX XXXX, the neg accounts to Account Number:XXXX  : held with said XXXX cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influer menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

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 2024-03-06 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: IL

Complaint narrative:
To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXXXXXX XXXX, the neg accounts to Account NumbeXXXX : held with said custodian cause on the following grounds : XXXX consent was obtained through mistake, fraud, undue influer menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As far as I comprehend, FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? It appears that there are inaccuracies in some of the listed accounts, which is causing me some discomfort.

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 2024-03-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that XXXX XXXX XXXX reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by XXXX XXXX XXXX, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CL Holdings LLC
State: GA

Complaint narrative:
Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that Jefferson Capital Systems reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by Jefferson Capital Systems, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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 submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-06 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 submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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

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