vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Experian, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXX XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX  -- XXXX XXXX  -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
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 explanation
Consumer complaint received 2024-09-12 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: MI

Complaint narrative:
To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect XXXX : - 1989

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 2024-09-12 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: GA

Complaint narrative:
I am a victim of identity theft please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I requested for debt to be validated by the credit bureaus, but it was not. I did not do business with this company at all or with the company they claim the doubt the debt from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My XXXX XXXX credit card ( Commenity Bank ) is charging me for a paper statement fee. In XXXX XXXX it is illegal to charge a paper statement fee. Also, because i have set up auto pay through my bank, the paper statement fee was not paid so Commenity Bank charged me a {$30.00} late fee and XXXX % interest on top of that. 

I've called Commenity Bank and tried to inform them of the law but the XXXX i spoke with told me it's not his problem, Commenity Bank charges this fee across the board.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I am writing to formally dispute the reinsertion of accounts that was previously deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The reinsertion of these account violates my rights under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ( iii ) Reinsertion of negative Items and 15 U.S.C. 1681i ( a ) ( 6 ). These reinserted items are holding me back from obtaining a car and a stable place of living.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Round Up Ventures, L.P.
State: TN

Complaint narrative:
I am requesting that you provide verification of this debt. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Also I would like a debt deficiency form and 1099-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-12 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't 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 non-monetary relief
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't 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 non-monetary relief
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computational or accounting error made by the creditor on a statement. 

Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under 15 USC 1681n ( civil liability ).

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 2024-09-12 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: MO

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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report transunion credit report. Experian 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. 
They dont have the correct birthdate.

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 2024-09-12 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 reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't 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 2024-09-12 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: FL

Complaint narrative:
Im deeply upset to see unauthorized inquiries on my credit report today, and I have no idea how they got there. I checked my report as usual, but suddenly these discrepancies appeared. I tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. This situation needs to be resolved immediately, and I urge you to thoroughly review the documents Ive sent to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I opened a high-yield savings account with Marcus Bank XXXX Goldman Sachs XXXX XX/XX/XXXX. I did all the verification process for my external bank account so I can fund the XXXX I transferred {$15.00} on XX/XX/XXXX to the new account. On XX/XX/XXXX Marcus called me and told me that my account was being closed because and gave vague reasons for that. They tell me my funds are being sent back via the external account or by check in XXXX business days. It's been more than a month, multiple ( XXXX ) calls with Marcus and every time they tell me they are working on it, things are on queue, they are investigating, they are processing the information. A lot of ways to say that they are doing nothing because I still have no answer or explanation. On XX/XX/XXXX an agent from XXXX department told me that I could be sure that in XXXX business days I would get my money back. Today is XX/XX/XXXX and still no check sent, no transfer to my external account and no email notification. I called today, and after spending XXXX hours at the phone talking with more than XXXX agents and I still don't get an answer and they just keep telling me they are working on sending my funds back but no details or no date for that. I'm pretty concerned about my situation and something that bothers me is that sometimes they tell me that they can't verify it's me so they can't give me details about my case, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Years ago I opened a credit card with TD bank from a 'year free " promotional offer and near the end of the promotional period called to cancel the account. A month or so after that I received a bill for an annual fee, which I called and explained should not apply. 

TD Bank then took that fee as a charge and instituted their collection process. 

Currently, TD bank reports a delinquency to the credit agencies each month to ensure that it does not drop off. 

BTW, I don't recall if I actually made a purchase with that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great XXXX XXXX and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
When I paid this debt, XXXX of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: VA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
I have recently gone through my credit report and found several accounts that appear to be fraudulent and unauthorized.

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 2024-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Edge Home Finance, LLC
State: FL

Complaint narrative:
I was marketed to by XXXX XXXX XXXX XXXX about getting lower rates on the mortgage. The marketing email did not have any place on the email where I can opt-out of solicitations or asking me to unsubscribe. I have asked this company and loan XXXX in the past to stop marketing to me. In addition, the marketing email did not have equal housing lender anywhere in the email. I want him to cease and desist from all marketing emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I previously filed this complaint XXXX and there is no update button so i started new complaint. I feel that it is unacceptable for a bank to withhold funds. I closed account in XXXX and as of yet have not been able to get the remainder balance of {$33.00} 2 months after. They previously were giving me run around when contacting them on the phone and now I received check XX/XX/XXXX ( issued XX/XX/XXXX! ) that got bounced back! Chase should immediately send direct deposit and stop playing games. What a incompetence. You dont want to give them more of your money to be treated like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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 kindly implore you to swiftly and decisively take 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 explanation