vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Account XXXX XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. When did I give TRANSUNION written permission to furnish this account on my consumer report??? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft. 15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity. That is the definition of IDENTITY THEFT. 15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency

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 2024-10-01 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
formally request the immediate blocking of information in my consumer file that resulted from an alleged identity theft, in accordance with 15 U.S. Code 1681c2. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency I have yet to see any action taken on your part, which places you in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I tried to submit documentation to Cash App to update my legal name on XX/XX/XXXX. I got radio silence, despite uploading the required documents and sending several emails trying to follow up. I opened a second case on XX/XX/XXXX to again try my legal name. I kept getting told there was issues with the upload link, so I re-uploaded the documents and sent a follow up email with screenshots confirming that they were successfully uploaded ( along with a confirmation number ). I then get told that the documents were rejected and to submit again. 

I kept re-uploading the court order, front/back of my license, and a selfie of me holding my license as per their requirements, because as far as I could tell the documents met their requirements to the letter. I asked for feedback on what was wrong so I would know what to correct, only to be told that they do not have any new information to provide, can not provide any additional support, and closed my case. I need help to get the legal name on my account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I have XXXX outstanding student loans and am XXXX XXXX XXXX XXXX XXXX  I applied for the loans to be repaid under the XXXX program. XXXX loan ( a XXXX  loan ) was placed in the XXXX program and is in administrative forbearance. The second loan ( a XXXX XXXX XXXX loan ) is not included in the XXXX program and is entering repayment. I sent numerous emails to AIDVANTAGE during XXXX to resolve this issue by including both loans in the XXXX program. 

Please note, that I applied for the XXXX program in XX/XX/XXXX. My original loan servicer was XXXX and I received a letter of acceptance into the XXXX program on XX/XX/XXXX. I received letters of acceptance from AIDVANTAGE on XX/XX/XXXX and XX/XX/XXXX. 

Also, the repayment plan for the second loan is not an Income-Driven Repayment ( IDR ) plan and should be as I am not employed and on a fixed income ( SS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> my mother passed, she has an account at chase bank, we informed them of her death and advised we were in probate. Our probate completed on XX/XX/year>, I took all legal documents, death certificate and identification showing I am the XXXX XXXX for my mothers estate. They refused to provide me with any information on the account stating they were going to copy the court order directing them to release and close her account to there legal department and would get back to me. It is a court order directing them to release the information and they refuse to release my mothers assets, or provide me with any documents or information on her account stating that I'm not on her account. A court order signed by a judge should be enough for this bank but it is not. They have frozen her account and stated they will tell me when I am able to close her account and take possession of her assets to put into her trust. What they are doing is illegal and immoral. My family is grieving the loss of our mother and they are willfully violating a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am writing to bring to your attention another unauthorized credit inquiry made in my name on XX/XX/year>. I did not authorize this inquiry, and I am increasingly concerned about the ongoing issue of identity theft. 

Previously, I reported an unauthorized credit card application with your company on XX/XX/year>, and have filed an FTC Identity Theft Report. Given these repeated unauthorized activities, I suspect there may be a breach in your system that needs immediate investigation. 

I kindly request that you thoroughly investigate this latest inquiry and take the necessary steps to remove it from my credit report. Additionally, due to the distress and potential financial harm caused by this situation, I am seeking monetary damages. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''

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 2024-10-01 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: NY

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint concerning XXXX separate, disputed debts, one with XXXX and the other with XXXX  XXXX XXXX XXXX. These debts are inaccurately attributed to me, and despite my efforts to dispute them directly with the respective companies, neither entity has provided sufficient validation or ceased collection efforts. Below are the details of each disputed debt : XXXX. XXXX Account Number : XXXX XXXX : {$190.00} I received a notice from XXXX regarding an alleged debt for {$190.00}. I have disputed this debt in writing, but XXXX has failed to provide adequate documentation or evidence that validates this debt, such as billing records or a signed contract. 

Despite my dispute, XXXX continues to report this debt to credit bureaus, which is negatively affecting my credit score. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX has not provided any documentation to substantiate this debt. 
Improper Reporting : XXXX continues to report this debt to credit bureaus, causing financial harm despite it being disputed. 
XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Amount : {$1200.00} I also received a notice from XXXX  XXXX XXXX XXXX regarding an alleged debt of {$1200.00}. Similar to my experience with XXXX, I have formally requested validation of this debt, but XXXX XXXX XXXX has not provided sufficient documentation, such as a contract, account statements, or proof of the assignment of this debt. 

Despite my dispute, XXXX XXXX XXXX has continued its collection efforts and is reporting this debt to credit bureaus. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX XXXX XXXX has failed to provide the required documentation to support its claim. 
Continued Collection Efforts and Reporting : Despite the dispute, XXXX XXXX XXXX continues to pursue collection efforts and report this debt to credit bureaus. 
Request for CFPB Action : For both cases, I request that the CFPB : Investigate the failure of both XXXX and XXXX  XXXX XXXX XXXX to provide proper validation of these debts. 
Ensure that both companies cease collection efforts and update all credit bureaus to reflect that these debts are in dispute, or remove them entirely if they can not be validated. 
Hold these companies accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as appropriate. 
Attached are copies of the correspondence I have sent to both companies, along with any responses I have received. I trust that the CFPB will take appropriate action to resolve these issues and protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-01 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: NJ

Complaint narrative:
This account XXXX XXXX, that is reporting on my credit report should not be reporting. This account has been paid in full. Below is the documentation showing that it was paid in full. And it's still recording on my credit report as a negative item. The Account number is XXXX this account is violating. My consumer rights is causing me a big detrimental to my financial life

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 2024-10-01 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: MI

Complaint narrative:
Hello I recently reviewed a copy of my credit report i noticed that there are big fraudulent accounts in my report. Please delete these XXXX accounts from my report because they are really crippling my ability to obtain credit and its a violation according to 15 USC 1681s-2 they arent supposed to 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 incorrect i want all of these XXXX accounts delete IMMEDIATELY pursuant to FCRA-605B ( 15 U.S.C. 1681c-2 ) i am trying to build for my family od XXXX and this a MAJOR HINDIRING

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