vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: AL

Complaint narrative:
Remove inaccurate personal information. I have contacted both XXXX and Experian to have this erroneous information. I sent a certified letter on XXXX XXXX. It was received and signed for on XXXX XXXX. I sent another letter to investigate the erroneous information on XXXX XXXX and there was still no investigation conducted nor results provided. I have since mailed two additional investigation requests which have also been received by each credit bureau. None of these investigation requests have been investigated nor action taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: VT

Complaint narrative:
TODAYS 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  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the conduct of XXXX XXXX XXXX, specifically regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX XXXX XXXXXXXX XXXX  disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge XXXX XXXX XXXX to investigate this matter promptly and take appropriate action to ensure compliance with consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with 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.

JPMCB 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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 am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the company closed my savings and checking accounts. On XX/XX/XXXX, they supposedly sent me checks with the money from my savings and checking accounts, which I never received. I contact them on several occasions and they tell me that I have to wait more than 120 days to be able to request and send new checks again. I contact them on XX/XX/XXXX and they inform me that they are going to send the checks again. and within a period of 15 business days I receive my checks, I call the company again on XX/XX/XXXX to find out the status of my checks and they inform me that they sent them due to lack of internal information, more than 150 days have passed and I have no solution for my checks

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 monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, 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. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Sofi Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I paid off my XXXX balance to my ikea credit card, serviced by XXXX XXXX I didn't think about it after this because I had paid off the balance. I was assessed a XXXX interest charge on XX/XX/XXXX, and then on XX/XX/XXXX I was charged a XXXX late fee ( 100 % of the new balance ). On XX/XX/XXXX I was charged a XXXX $ min interest charge ( about a 30 % charge on the new balance ). Then on XX/XX/XXXX I was charged another late fee of XXXX again 100 % of the new balance. So then on XX/XX/XXXX, I was assessed a XXXX $ fee, bringing my balance to just shy of XXXX $! 

I called today ( XX/XX/year> ) and the first person I spoke to told me she could waive all the fees and charges except the initial XXXX. Which still seemed ridiculous to me so I asked to speak to a supervisor. I was then transferred to someone who told me she could only waive XXXX late fee because they were only allowed to waive XXXX per XXXX  months. 

I tried to explain that the previous person I spoke to had told me that I would only owe the XXXX. And this new person I spoke to, the supervisor told me that I had been given incorrect information. I expressed my concerns about having my financial institution give me incorrect information and how am I supposed to know who to trust in my communication with them. 

The only option I was given was for them to file an internal complaint against the person who gave me " wrong '' information but there was no other alternative given. 

It is reasonable to want to get clear and correct information from a financial institution and at the very least to have them honor what I had previously been told.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This complaint is about XXXX XXXX. 
My loan was originally with XXXX XXXX, it was bought out by XXXX in XXXX. Since the life of the loan, there has been no reporting to the credit bureau 's from XXXX. I have called several times over the past XXXX yrs, asking why it's not reporting. I was told that they will report once the loan is paid off. 
My loan was paid off in XX/XX/XXXX, when I contacted XXXX and asked how long before it is reflected on my credit I was told XXXX after. So it's 2 months after, and I'm trying to buy a house and the lender tells me that there is no car loan on my credit. So I contacted XXXX on XX/XX/XXXX and asked why wasn't it reported since it's been paid for 2 months now. I was told that it was reported to all XXXX agencies, and that I would need to contact the agencies to find out about the report and have them dispute it. I contacted all XXXX agencies and they stated that they do not see anything on my credit for a loan from XXXX, and that they can't dispute anything that's not reflecting on my report and I would need to contact XXXX and get them to report it. So I call XXXX back and explained that the credit bureau 's can not file a dispute for something they do no show on the report. The call was then escalated to the platinum team, so I spoke with a supervisor and she said the same thing as the previous person and that she was going to send in a request for audit report and I should have a answer by XX/XX/XXXX. 
XX/XX/XXXX I called XXXX and they are stating that, they will not reinstate the account to report to the credit agencies ' because the account is closed also that they XXXX not have reported because of inaccurate or incorrect information. I told them nothing has changed and I never received any notifications that something was inaccurate or incorrect on my loan. I asked what was inaccurate or incorrect and she told me that they don't give her that information. I asked her so what am I supposed to do about getting this information reported, and she said to contact the agencies again, but that was all she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Have had many reports filed within a short period of time regarding issues with SOFI BANK as well as SoFi Securities and the misuse of my account before liquidating all of my investment assets and then closing my account without consumer requesting it be done! Then when contacted ( SoFi bank rep ) they gave me the run around about who actually did cash out the investments before closing and reopening followed by once again closing my account. The account I believe was either hack and duplicated or payments are being re-routed per XXXX XXXX XXXX. The same is currently being done with my XXXX XXXX XXXXXXXX Account in which Im still awaiting a XXXX XXXX SINCE the end of XXXX this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: ME

Complaint narrative:
XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in Florida. Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus XXXX, Experian and XXXX all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
The bill was for XXXX from XXXX XXXX in XXXX Louisiana XXXX from XXXX I contacted XXXX XXXX back in XXXX XXXX  to resolve the bill on my credit i was told if I could come up with XXXX they would put as my bill was paid in full. I paid them XXXX as promised the bill came off my credit report and now I have lockhart, morris & mont saying the bill has not been paid. Ive tried to contact XXXX XXXX  and no numbers work for the company they have shut down and is no longer in business Ive tried XXXX different numbers Ive emailed them trying to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
Through XXXX, XXXX and XXXX this agency has not verified I approved their transaction for auto loan XXXX XXXX XXXX was orginal credititor.See Bellow- This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with NCB Management Service. Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... I will sue all 3 Credit bureau agencies, XXXX XXXX XXXX and NCB Management

Company response to consumer: Closed with explanation