vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: MD

Complaint narrative:
I disputed inaccurate information with Equifax in regard to this account XXXX XXXX XXXX ( Account # XXXX  XXXX ). Equifax is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! On my Equifax report the account displays an open date of XX/XX/XXXX yet stating Date of First Deliquency was XXXX. XXXX. This is clearly inaccurate that Equifax allowed to remain on my report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Ive attached my Equifax credit report from XXXX XX/XX/XXXX. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Balance {$340.00}, Request : Delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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 am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's 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 2024-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This account ( Affirm, Account Number : XXXX ) has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 then seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX, account number XXXX TRANSUNION : XXXX XXXX, account number XXXX XXXX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax failed to investigate a rental history debt thats not validated or correct. I attached a balance sheet directly from the XXXX XXXX XXXX site showing a balance of {$0.00} owed. Ive reached out to XXXX XXXX XXXX  the creditor/collection agency and they inform me on XX/XX/year> they submitted a code to Equifax to remove the account immediately. I reach out to Equifax and requested that they expedite this issue and removing the account because I am unable to find housing or receive help with housing with this reporting. I also inform them Im XXXX  with kids which justifies the importance of this being expedited. Equifax refused to investigate my dispute to remove the account and said it was validated. As of XX/XX/year> the account is still reporting on Equifax and Im XXXX  with my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of my Capital One accounts. Despite these accounts being closed, I am receiving emails about them showing balances owed. This is misleading and negatively impacts my credit report.

1. **Fair Credit Reporting Act ( FCRA ) Compliance : ** - **Section 1681s-2 ( a ) ( 1 ) ( A ) : ** Information furnished must be accurate and complete. Reporting a balance on a closed account is not accurate.

- **Section 1681e ( b ) : ** Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 807 ( 2 ) ( A ) : ** Prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

3. **Consumer Financial Protection Act ( CFPA ) : ** - **Section 1036 ( a ) ( 1 ) ( B ) : ** Prohibits any covered person or service provider from engaging in any unfair, deceptive, or abusive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased my vehicle in XX/XX/XXXX, got my loan thru XXXX XXXX financial. I tried to go pay my tags in XX/XX/XXXX but dmv told me there has been a hold on my title since XXXX of XXXX for a title correction that was never completed. no one has told me what the corrections being made are for. I have tried multiple times to correct this issue with the finance company but they give me the run around and have done nothing to help me resolve the issue. people at there company have hung up on me over the phone multiple times so I have asked for help thru email from the executive leadership at XXXX XXXX All of my requests were combined into XXXX and they told me the dmv has to contact them to request a paper title for this to be resolved. dmv is telling me the opposite. XXXX has closed all of my email complaints and whoever responds has been unwilling to help. My registration is now 4 months overdue with no assistance and Im unable to drive my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
I am a victim of identity theft. I have sent copies of the FTC report and letters from the banks saying that these accounts are not mine. The accounts are still on my credit report. They are : 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 2024-06-09 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 am a victim of identity theft. I have sent copies of the FTC report and letters from the banks saying that these accounts are not mine. The accounts are still on my credit report. They are : 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Upon looking at my credit report I found negative listing from Credence Resource Management with a balance of {$1200.00} I never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I contacted my banker to open 2 disputes for merchandize not received. After the claim was open the bank closed my account ( I can guess that bank doesnt like customer who claim this ). Until today I didnt receive any update of the cases or letter requesting more information or supporting documents. 
The bank sent me the cashier check with the credit remaining on my account, I depossited and was returned unpaid by the bank. 
I contacted my banker and he said that the claims were denied. 
Need to know what is going on, why the bank never sent me updates about the claims or any information they need it to proceed with the charge back request.

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 2024-06-09 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account # 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 2024-06-09 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: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-09 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account # 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 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
pass complain XXXX i have talked to the collection s on several calls for ID fraud and never received the forms. i I am asking that they remove the negative information and closed the account.

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 2024-06-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: TX

Complaint narrative:
Recently due to inflation and my need to track each and every dollar I make, there seems to be a discrepancy to my charges and balance. If a charge is pending it takes from current balance and again takes after it ends pending state. My account is deducted at time of purchase as well as later once the transaction exits pending state. My transfers pend as well. If I move a dollar amount to a goal amount or to one of my other cards it could pend. I requested twice for something's similar to an audit to my account as well as a refund. First I had the wrong department second I didnt get a response. As I continued on it literally changed to negative as soon as I used the card and my purchase was declined. Im like wait I know exactly what I made how much I spent and what very little I had left. I check the balance every time before I purchase to budget. It was little because every transaction had been deducted. This would need to be an entire review of my account because its been the entire time. It isnt till now I realized how the process took place and wasnt just poor luck. Its a fallacy on how it hasnt been processed and just use debit not charge. The option isnt always available and I shouldnt be penalized for charge versus debit when both do the same for me. This is false process because I watch it down to my last dollar and once it deposits or I transfer to another card and that doesnt happen on those accounts. Im afraid quite a bit has been stolen from me and getting a refund looks overwhelming in its feat. Hopefully this helps others who arent getting a solid trust with the XXXX card. It is required to get this card if XXXX wants to have funds available immediately as direct deposit after making it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: WI

Complaint narrative:
I have reached out to the credit agencies numerous times to update my personal information and I have not had any success because nothing has been updated so I am reaching for help. To verify my identity I have enclosed a copy of my ID with my correct address I also upload my social and bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: PA

Complaint narrative:
I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: WA

Complaint narrative:
I have applications on XXXX. I was reached out to by one landlord asking about bankruptcies. 

In review of the Experian report, it shows several accounts as XXXX XXXX or XXXX. 

Their public records show no bankruptcies. 

I have not claimed bankruptcy since XXXX. The accounts in question are from XXXX this has caused me to lose 3 places to live as they believe I lied on my application regarding bankrupcy.

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 2024-06-09 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: CT

Complaint narrative:
I recently checked my credit report and found several late payments from XXXX XXXX XXXX with account # XXXX, according to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. The is a volition I demand Equifax to update my account to pay on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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 submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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