vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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 would like to remind you of the XXXX XXXX. Experian Information Solutions , Inc XXXX XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt XXXX word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX is still listed under my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX is still listed under my personal information.

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 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: FinFit Holding Co, LLC
State: TX

Complaint narrative:
on XX/XX/2024 I began the process of applying for an early wage access loan, which I have done before. FINFIT requested the necessary documents ( Gov issued ID and W2 or SSN Card and I produced ID and W2. I then received emails asking me to upload even more.. primarily the actual SSN card. I delivered the photo to them and they responded with the same request. This continued until finally, today XX/XX/2024, I emailed them saying I would report them to CFPB. Within minutes I received a text informing me that I was approved for the loan of {$500.00} up to {$1000.00}. I signed the contract after carefully reading it in which I noticed a discrepancy in the interest rate. XXXX XXXX at % 9.57 and FINFIT was % 58. 
I was then asked how I wanted to be funded and the only choice was ACH. I started having more technical difficulties on their end so I called customer service around XXXX. The rep led me to believe she was working for me until she stated that I may need to fill out another application because the date needed to be changed.??? I had to give her my bank account info, she then put me on hold never to return, the phone began to ring and I was then on the phone with a woman with a XXXX  accent who began to ask for my confidential info AGAIN so I just hung up. then a text comes thru saying I CANCELLED the loan, I was depending on this extra cash and all they seem to want to do is sell my promissory note and application without disclosure. I want them audited and I want them to compensate me for my wasted time and injury on top of the {$1000.00} early wage ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-03-08 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:
Recently I had a chance to check out my credit report & noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. its my understanding that you will investigate these items listed. Here is the accounts I am asking you to verity accurate : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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: WI

Complaint narrative:
I have contacted XXXX XXXX about an closed account appearing on my credit report, That do not belong to me. XXXX XXXX Account # XXXX I asked them to verify the account. I was told the account does not match my personal information and they confirmed it does not belong to me. This account is not my account and should be removed immediately. My next step will be legal action because there is know way legally this account can be verified.

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since last year of XXXX  I've requested that TransUnion remove Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I've sent my ID and proof of address and yet TransUnion didn't respond back with the thirty days. I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection.

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 2024-03-08 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-08 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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 appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.

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 2024-03-08 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 appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ========EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
I would like to remind you of the Dixon-Rollins v. Experian Information Solutions , Inc ( XXXX ] and

Miller v . Equifax Information Servic
es LLC ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/year> on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/2022 on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase locked my online access due to unusual activity and told me to call XXXX. I called and after a long runaround from various departments, they said the Savings and Checking account is restricted due to an unresolved claim. I was told that I could visit a branch to withdraw my funds with a personal banker. I drove four hours to visit a branch and was told that they could not help me. I spent days on the phone trying to get help and being treated badly by this company. l 've accepted the fact that they are going to close the account after 10 days and l 've been calling and asking them to just close it out immediately so they can give me back my money. Now l 'm stressing about are they going to even give me my money back, how are they going to give it back to me. My savings account has {$8000.00} in it which is everything that I have and I don't even know what to do because I do not have an address for them to send a check to due to losing my place of living with no access to my money. Now that all the claims are closed and there are no pending issues I should have help to withdraw or transfer my funds. This is unacceptable for Chase to treat so many people this way. I am a single mother with no other means and Chase should be ashamed for the way they treat their customers.

Company response to consumer: Closed with explanation