vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
This account was incorrect date of open. Since then, the account has reported inaccurate date open to all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I asked you to do it Twice and your neglect has violated my right. I am requesting this account to be deleted the following account : 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 2024-11-19 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: TX

Complaint narrative:
There are billing errors in my credit report showing wrong late payments. Kindly address and update.

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 2024-11-19 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: Skrill USA, Inc.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX. I recently opened a Skrill account. This is a digital wallet account used to upload money to use for every day things. I uploaded {$650.00}, I then went to make a transaction and I got a notice and an email stating that my account is permanently closed. This incident happened on XX/XX/year>. Skrill needs to be dealt with from a professional and legal standpoint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-19 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take action under 15 USC 1681c-2 to remove unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, IL, 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 2024-11-19 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my Chase credit card ( last four digits ending in XXXX ) statement and noticed a fraudulent charge in the amount of {$1600.00}. The fraud occurred at XXXX 's XXXX XXXX ( XXXX XXXX XXXX in XXXX XXXX ). I then noticed a confirmation email from XXXX 's XXXX XXXX dated XX/XX/XXXX at XXXX XXXX. The confirmation email stated that someone purchased a XXXX 's XXXX XXXX bundle for the previously mention dollar amount. 
Based upon seeing this email and fraudulent credit charge, I determined that my credit card information and email address have been fraudulently compromised and used to purchase the XXXX 's XXXX XXXX bundle. I called Chase and disputed the transaction. The {$1600.00} was refunded without issue. 
On XX/XX/XXXX, I checked my Chase bank statement and noticed that the {$1600.00} was reinstated and charged to my Chase account. I called Chase customer service who stated that they noticed I received an email confirmation from XXXX 's which made it look like the XXXX 's tickets were genuinely purchased by me. Chase directed me to contact XXXX 's to dispute the charge. I called XXXX 's who stated they could not help me at this time. 
As of writing this report, I have not been refunded by Chase or XXXX 's. Please look into this incident as soon as you can. I am interested in pressing charges against the suspect ( s ) who accessed my credit card. I did not authorize anyone to use my credit card for these charges and did not make these charges myself. Please help if you can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-11-19 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any co
nsumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-11-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-19 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:
Equifax received on XX/XX/year> an Identity Theft letter mailed Certified Mail Receipt with tracking number [ XXXX ] " This was in reference to XXXX, a student loan servicer received a XXXX notice that they were reporting my nonpublic personal information about my educational record that they had no permission to report. Equifax received this noticed that they were unlawfully reporting fraudulent accounts that arose from Identity Theft due to my information was knowingly transferred, possessed and used without my lawful authority that they did not verify as required by law. In accordance to18 USC 1028A. Aggravated Identity Theft. Equifax also violated 15USC1681c-2 Block of Information Resulting from Identity Theft. Equifax did not block the information that resulted from an alleged Identity theft, not later than XXXX business days after the date of receipt. All relevant documents to this Section of the Law was received by Equifax and the letter was Notarized. Additionally, Equifax is in violation of 1681n Civil liability for Noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint regarding my recent attempt to obtain a copy of the 1099-C form for a personal loan and credit card account, both of which are reported as charged off on my credit report by Navy Federal Credit Union . Despite making a formal request over the phone for the 1099-C form, I have not received the document as requested.

The charged-off accounts are listed on my credit report, but I have not been provided with the corresponding 1099-C, which I believe is necessary for accurate tax reporting and financial record-keeping.

I respectfully request that Navy Federal Credit Union provide the 1099-C form for both the personal loan and credit card accounts, or provide clarification on why the form has not been issued. This delay is causing significant confusion and concern, as it directly impacts my tax reporting obligations and financial status to prevent fraud. 

Please assist in resolving this matter as promptly as possible. 

Thank you for your attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-19 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: CO

Complaint narrative:
I received an email notification that a hard inquiry posted on my credit file. I checked the credit report agencies and saw that two credit card inquiries ( XXXX XXXX and XXXX XXXX ) and were initiated within the last few days that I did not request. I placed fraud alerts and security freezes on my credit file with all three agencies. The agencies recommended that I report this on ftc.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CO

Complaint narrative:
I received an email notification that a hard inquiry posted on my credit file. I checked the credit report agencies and saw that two credit card inquiries ( XXXX XXXX and XXXX XXXX ) and were initiated within the last few days that I did not request. I placed fraud alerts and security freezes on my credit file with all three agencies. The agencies recommended that I report this on ftc.gov

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 2024-11-19 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX ....

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 2024-11-19 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: NJ

Complaint narrative:
I recently reviewed my credit report and was shocked to find a blatant error regarding my account ( XXXX ). Your report claims I had a late payment in XX/XX/year>, despite the fact that I paid on time. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. This isnt just a simple mistake, it feels like Im being taken advantage of. By law, under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and consistent across all bureaus. Reporting conflicting information isnt just careless its a violation of my rights as a consumer! I'm now requesting that the late payment reported on XX/XX/year> AND ANY OTHER LATE PAYMENTS REPORTING ON THIS ACCOUNT BE UPDATED TO PAID ON TIME IMMEDIATELY. Ive attached supporting documents, including my credit report, to illustrate this inaccuracy. Failing to correct this error immediately would be a continued violation of federal law. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action.

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 2024-11-19 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: MN

Complaint narrative:
My report lists incorrect late payments that dont align with my payment history. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
I was shocked to find incorrect accounts on my credit report today, and I have no clue why theyre there. My usual check of my credit report turned up discrepancies that Ive never seen before. I refreshed the browser to see if it might be a technical error, but the incorrect accounts were still there. This situation has left me deeply unsettled, and Im asking for a thorough review of the documents Ive submitted to prevent this from happening again.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
writing to address an issue with my loan application. On XX/XX/XXXX, I received a loan estimate from City National Bank, which included the requested loan amount and grant. However, I was recently informed that my XXXX employment can not be considered because I have been employed there for less than XXXX years. 

This decision conflicts with the information I disclosed during the application process, which included : XXXX years of full-time employment at XXXX ( XXXX ). 
Part-time employment at XXXX ( XXXX XXXX ). 
My current full-time position at XXXX ( XXXX XX/XX/2024 ). 

It appears this discrepancy arose from an oversight in your review process prior to issuing the loan estimate. This reversal has caused significant inconvenience and raises concerns about due diligence. 

I request a formal explanation for this decision and ask that my application be reevaluated, considering my complete employment and income history. I am prepared to provide any additional documentation needed to support my case.

Company response to consumer: Closed with explanation