vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: GA

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Attached is an IRS accepted 1099A, that was filed on my account with GM Financial. The IRS has accepted receipt of this 1099. The following account has been paid in full and this should be reporting paid as agreed with a XXXX balance and no negative remarks or delinquent payments. I am demanding that this account be updated to the paid in full status. The IRS has accepted that the borrower was personally liable for repayment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-11 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: VA

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 inaccurate.

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 2024-03-11 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: VA

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I do bornwant a call on this. Every person except management does not speak clear XXXX. I have to file a complaint to get an XXXX speaking person. Management seems to know the rules but not reps. Its very difficult to know where your funds are going have issues with only this account Payments are applied never like I was told. Representatives and mangers ( non XXXX speaking ) avail when texting or calling need training on the correct information XXXX shouldnt have to file a complaint to speak to a manager. I am done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I added my son, XXXX XXXX, as an authorized user to my Wells Fargo XXXX credit card. WF has failed to make promised monthly credit updates for XXXX to the credit bureaus. As requested, I explained the problem to WF credit reporting team by fax on XX/XX/2024, asking for a prompt response and update which has not happened. 

I spent an hour on the phone today with WF customer service agents XXXX and XXXX who said there was nothing they could do and transferred me to a number which was not working. 

WF has learned nothing from all the fines the government has imposed. They still have miserable, unresponsive customer service.

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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company THE BUREAUS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I submitted an Annual Credit Report Request Form to Equifax and XXXX to get a free copy of my credit file. It says I should receive a response within 15 days. I received my copy from XXXX, but have heard nothing from Equifax. It has been at least 40 days. Can I please get my free copy?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I received an email from Chase Bank saying my checking account was restricted. I called the bank and they told me they had closed ALL of my accounts. They would not provide a reason. I work as a humanitarian and am currently in XXXX helping feed the people of XXXX. They left me in quite a bind, and without any information as to why. I have been a loyal Chase customer for over 20 years, have an XXXX XXXX XXXX, never any legal problems and work with a well-known humanitarian org. Why did they close my accounts after so long and without disclosing the cause? My speculation is that because I work in humanitarian aid, I travel to conflict zones and natural disasters. All financials related to this work are available for public review due to the non-profit status of my org.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding Equifax 's failure to respond to my dispute and validation request for an account appearing inaccurately and incompletely on my credit reports. Despite my initial outreach in XX/XX/2023, I have not received any acknowledgment or follow-up from Equifax. This lack of communication and action on Equifax 's part has had severe consequences for me as a single mother. The inaccurate reporting of this account has adversely affected my debt-to-income ratio, making it challenging for me to afford housing, and has significantly lowered my credit scores. Equifax 's negligence in addressing this matter has left me frustrated and feeling as though the system has failed me. As a consumer, I rely on Equifax to ensure the accuracy and verifiability of the data they report. However, their failure to assist me in resolving this issue demonstrates a clear violation of my consumer rights and has hindered my ability to access essential financial opportunities. I urge you to investigate this matter promptly and hold Equifax accountable for their actions. Your intervention is crucial in ensuring that Equifax fulfills its obligations and provides the necessary assistance to rectify this situation. Thanks for you assistance. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I continue to face two issues with MOHELA that I can not get resolved. I have tried to call them at least a dozen times but never get any resolution and have only spoken to a representative once or twice and they can't figure out what is wrong with my account. Typically when I call the wait time is over an hour and I will request a call back but they never call back. My two main issues are as follows : 1 ) I am, and have been, enrolled in auto-debit but the loans do not reflect the .25 % reduction in interest rate and continue to accrue at the higher rate. I have sent MOHELA messages asking that they update my loans to reflect the proper rate and refund me for the unlawful accrual at the higher interest rate. 

2 ) The amount owed monthly vs. the amount that auto-debit withdraws vs. another amount MOHELA states I owe are all different amounts and I can not get a straight forward answer of how much my actual payment is each month. I have no idea if I am overpaying, underpaying, or paying the correct amount. In XXXX, the MOHELA account overview said I owed {$370.00} on XX/XX/24 but on the same page it says auto-debit will withdraw {$430.00} on XX/XX/24 ( I do not have auto-debit paying any extra per month so this amount should reflect my payment method ) and further down on the same page it says I owe $ XXXX. Currently the MOHELA account overview now says I owe {$300.00} on XX/XX/24, but it says auto-debit will withdraw {$430.00} on XX/XX/24, and again further down on the same page it says I owe $ XXXX. 

There is over {$100.00} difference between these numbers with no explanation as to what is the correct number and why there is a discrepancy. I have attempted to call MOHELA many times but the one time I talked with someone they said something was messed up with my account and to wait until the payment posted ( which I did ). I do not believe MOHELA is providing an accurate accounting because they are providing literally three different accountings of what is owed and can not articulate which one is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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