vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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:
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 these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2024-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My husband and I bought a one-year {$1.00} XXXX CD from HSBC on XX/XX/XXXX with an APY of 4.25 %. We redeemed the CD upon maturity on XX/XX/XXXX. Instead of paying us {$42000.00} in interest as promised, HSBC paid only {$42000.00}. HSBC claimed, " per regulatory requirements, '' it was permitted to pay us less interest than it promised.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX, XXXX, and Transunion. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from XXXX, XXXX, and Transunion, dated XX/XX/year> for XXXX XXXX ( XXXX XXXX XXXX  ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that XXXX, XXXX, Transunion conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-05-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/2024 XXXX, Equifax, and XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from XXXX, Equifax, and XXXX, dated XX/XX/2024 for XXXX XXXX ( XXXX XXXX XXXX ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that XXXX, Equifax, XXXX conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Certainly! Here 's a draft of a letter you could send to the Consumer Finance department regarding the unauthorized charges : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Dear Consumer Financial Protection Bureau, I am writing to report a concerning issue regarding unauthorized charges made to my credit card from XXXX XXXX or XXXX XXXX. Despite multiple attempts to resolve this matter with my bank, the issue remains unresolved. 

On [ Date ], I discovered two unauthorized charges on my credit card statement from XXXX or XXXX XXXX. XXXX charge was for {$2000.00}, and the other was for {$1000.00}. I never authorized these charges, nor did I sign any slips or give anyone permission to charge my credit card on my behalf. 

I immediately contacted my bank to dispute these charges and requested a copy of the signature on the slip for verification purposes. However, my bank has refused to provide me with the signature or match it with the signature they have on file. Additionally, I have provided them with an affidavit along with a copy of my driver 's license, containing my signature, in an attempt to resolve the issue. Despite my efforts, the bank has failed to provide me with a refund for the unauthorized charges. 

This situation has been ongoing for over a year, and I am still fighting to have these charges reversed. I am extremely disappointed with the lack of assistance and resolution from my bank. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I believe that the unauthorized charges made to my credit card violate consumer protection laws, and I am seeking assistance in recovering the funds. 

Enclosed are copies of relevant documents, including my credit card statements showing the unauthorized charges, correspondence. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Received a collections letter from XXXX XXXX XXXX stating it was from the Supreme Court of XXXX XXXX saying that I had failed to appear in court even though I have never been served by this company. I don't even know what the original debt is but don't want to call based on their collection tactics. This appears intimidating, threatening and illegal to use a fake supreme court stamp.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am attempting to pay off my student loans in full on aidvantage.gov. 

I have made the minimum payment for the last 5 years, and now want to pay off the full amount of the loan. When I make the payment, Aidvantage accepts the payment and says my loans are at {$0.00}. Aidvantage states that the " payment has posted '' a day later and sends me an email confirming so. Then several days later, Aidvantage reverses the payment and doesn't process it, after it has already posted. I contacted Aidvantage customer service, and they told me that they " couldn't find my bank account ''. The bank account numbers are accurate, as I have confirmed this several times. The Aidvantage portal even recognizes the bank account, because it named the bank company ( XXXX XXXX  ) in the account, without me doing so. 

I have contacted my bank and they told me that Aidvantage never contacted them or tried to make the payment request. 

Aidvtange is now charging me late fees on missing this new month 's payment, after rejecting my last two payments to pay the loan off entirely. I have read online and have spoken with several friends who have had similar experiences. Where Aidvantage won't accept their payment until they file a complaint. Once they filed a complaint, it went through. 

I attempted to pay the loan off entirely on XX/XX/XXXX. I received confirmation that my payment posted on XX/XX/XXXX. I got a reversal notice on XX/XX/XXXX. I attempted to make the payment again on XX/XX/XXXX, it was rejected on XXXX. I spoke with their customer service between XX/XX/XXXX and XX/XX/XXXX. 

I received late fees on my loan for missing my payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Good morning! I am having an issue with Equifax and my 3 XXXX XXXX accounts not being reported. This basically shows now that I have no credit history thus hurting my overfall history. 

Ive reached out to XXXX  XXXX and they said they have been reporting, which they do show up on my XXXX and XXXX. 

I spoke to Equifax and they just tell me to call XXXX  XXXX. Im getting nothing but run around. 

Ive attached copies of my credit card statements. And Ive attached pictures of the accounts being listed on XXXX and not being listed on Equifax. 

Please help!

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
Ive disputed an account, XXXX, with Equifax numerous times. The account does not belong to me and its reporting in an unlawful way. Its reporting that I have 100 % left to pay on the loan AND 100 % on-time payments AND that the account is charged off and closed. This is inaccurate and misleading credit reporting. This is affecting my credit score and ability to secure loans. This company, Equifax, has been violating my consumer rights for years now. This account needs to be removed. The company, Equifax, only responds stating the account is verified and doesnt provide documentation or update the way it is being reported. UNLAWFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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 Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2024-05-05 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 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:
I have no knowledge of a debt from XXXX XXXX XXXX XXXX. I've never been involved with this company I have no clue what this debt is. Under FCRA guidelines this account needs to be removed from my credit file. 


Company : XXXX XXXX XXXX XXXXXXXX Remove this collection account 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