vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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 have written many letters to XXXX informing them of this fraudulent account along with the police report, and they still continue to report this inaccurate information ; I had previously filed a CFPB complaint, and my mom had XXXX XXXXXXXX from every XXXX XXXX, and I had been in the hospital with her for about a month and was not able to respond to the response by the deadline. As the law states, please hold XXXX accountable and ensure they report accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I contacted Chase about unauthorized transactions on my XXXX account and my XXXX account Transactions that were made in XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. 
some of the transactions were Reversed but they are refusing to return the other half. we did provide all the information to proof that I was located in XXXX at the time when the transactions were being made in XXXX. 
Someone was transfeering money from my personal ( {$4000.00}, {$3600.00}, {$2000.00}, {$2000.00}, {$1000.00} ) account into my XXXX account and then using a card making ATM withdrawals ( here they were making purchases at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC. ), I have downloaded all the bills from the withdrawals and there is written transaction denied and even like that they were able to withdraw the money from a ATM. I have included here the proof of all the transactions of XXXX $ that were made and the routing number is not correct, after every single transaction of XXXX $ there is a XXXX $ ATM withdrawal that as you see it is sayimg denied. 
I just contacted the XXXX department and they told me that the claims were closed. Since I am dealing with them from the beginning I had the impression that this is a insider using peoples personal info. All the time when I was calling them all I heard from them is that it is my fault that this happened to me, they didn't block my card as I asked them so many times All I need is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
I was charged a wrongful amount for XXXX XXXX  tolls, I was charged for a truck with multiple axles, whereas the vehicle was a one axle passenger vehicle. I was also charged administration fees. I tried to escalate this issue directly with the XXXX XXXX and they even agreed it was a error, and escalated it, but never followed thru with correcting this apparent known issue, where cars are being charged as trucks which is egregious. I would like to pay tolls but not as a truck when it isnt one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe the account is invalid. 5/3 BANK NA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.5/3 BANK NA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
PLEASE BLOCKED AND REMOVED I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
I believe the account is invalid. Kikoff Lending LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. KIKOFF LEND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to XXXX, Equifax, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I received an email today from Edfinicial Services. It said I owed money on XX/XX/XXXX. I have never received any email from them about my account prior to this. I was aware that my student loan was going to be taken over by another company but have yet to receive an email from the new company. I tried calling the phone number provided and it said I entered an invalid social. I tried going to the website and it said I had the incorrect information. The email I received also had a snippet that gave awareness about emails from scammers. Oddly enough the email address it came from was NOT one of the emails listed for where I would receive emails from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
This is not my account. I have never made any payments on this account. XXXX is reporting inaccurate and fraudulent information. this is way too old to be new 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 2024-05-30 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: NY

Complaint narrative:
This is not my account. I have never made any payments on this account. XXXX is reporting inaccurate and fraudulent information. this is way too old to be new on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
This is not my account. I have never made any payments on this account. XXXX is reporting inaccurate and fraudulent information. this is way too old to be new 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsability to report consumer information to the best of their ability with maximun accuracy, I have never been late on payments for the account ( XXXX XXXX please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate XXXX XXXX / Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: OR

Complaint narrative:
I have been receiving weekly texts messages from various phone numbers with a message that reads : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXXXXXX, XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/disclosures I have replied STOP, I have reported it as junk, I have blocked the number and I still keep getting these texts every week. I have never had an account with XXXX XXXX and I don't have any debts, so I already knew this was a scam and will not attempt to visit their site or call them as I do not want them to have any more of my information than they already do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to TransUnion, XXXX, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to XXXX, XXXX, and Experian outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AL

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: AL

Complaint narrative:
Subject : Request for Correction of Inaccurate Late Payment Reporting Dear Experian, I recently reviewed my credit report and noticed some inaccuracies regarding late payments. Specifically, there are late payments listed on my report that were actually paid on time. 

I kindly request that you update these records to reflect " PAID AS AGREED '' status. Below, I have provided the account names, account numbers, and the specific dates that are inaccurately reported as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

These inaccuracies are adversely affecting my credit score and hindering my ability to purchase a new home. I would appreciate your prompt attention to this matter and correction of these errors. 

Thank you for your assistance. 

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 explanation
Consumer complaint received 2024-05-30 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:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts 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