vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC
State: NH

Complaint narrative:
I had over {$700.00} in unauthorized transactions on my account. I disputed them. On the 10th business day, when I was inquiring where my provisional credit was and why it had not been placed into my account yet, my account was closed without my knowledge and no type of communication at all was sent to me explaining why we're letting me know that was happening. I was expecting that provisional credit and now it is caused a hardship for myself and my family and I have unable to pay bills that needed to be paid. This company owes me over {$700.00} and I want my money and I also want to be compensated for the additional fees and charges that I will be assessed for bills being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
I have multiple fraudulent inquiries on my credit reports, I have disputed multiple times, I have contacted companies letting them know I am a identity theft victim & have tried my role times to dispute accounts & inquirys I have a collection on my credit report for the amount of XXXX that I am not responsible for, I have also tried to dispute this account multiple times I am currently trying to better my credit I also took steps by getting additional security added to by ssc # by gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, XXXX, and Transunion must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like Equifax, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
For the second time today experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem which once again and still that experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back and is directly negatively effecting my credit

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 2023-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked Experian, XXXX, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.

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 2023-12-12 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: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX & XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it 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
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
CAVALRY PORTFOLIO SERVICE called and did not identify themselves. Then she asked for my birthday and other information. When I asked what it was about, she stated that it was " personal information. '' Again, I stated that I would not give her my birthday or any other confidential information until they identified themselves and what they were calling about. She stated that she had my social security number and birthday ; they just wanted to confirm my identity. I asked for the reason a second time. Again, it was " this is a personal business matter. ". I refused to give her any information and told her not to call again. They called two more times, using the same explanation that this is a " personal business matter. '' I refused to give her any information until they identified themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-12 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: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX and Transunion credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as XXXX XXXX XXXX. The amount is {$940.00}. This was posted to my account during the month of XX/XX/. I have filed a dispute with XXXX and Transunion online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information with Transunion was breached and here is the proof and they refuse to delete all negative balances on this account. Please have them remove these negative account immediately since I was a victim of there data breach.

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 2023-12-12 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: CA

Complaint narrative:
This company has barred me from getting my credit report online for the past 5 years. IT is a personal vendetta of this company that unless I am complaining they are constantly reporting false inquiries or false employment or changing creditor information to drop my credit score on purpose. I have been unable for 7 years to get a new apartment or buy a house because of the lies they are reporting.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CT

Complaint narrative:
I sent letters to Equifax, XXXX, And XXXX Via Certified Mail on XX/XX/ To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Below is a letter that I wrote to the collection agency after they provided less than satisfactory, inaccurate and unreferenced verification of debt through the XXXX XXXX after I filed a complaint " I am writing to dispute the validity of the debt referenced in your correspondence dated XX/XX/XXXX. Upon receipt of your validation of debt through the XXXX XXXX I found the information provided to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
1. The original contract from the creditor XXXX XXXX XXXX XXXX  The lease that you uploaded to the portal had expired XX/XX/XXXX, the debt that you are trying to collect from me opened on XXXX  and claims that I moved out on XXXX  I cant be responsible for a debt from a lease that had already been paid in full and expired 2 months prior. 
2. My liability for the {$4200.00} debt. The itemized statement that you uploaded does not have my authorization anywhere on it, I'm not aware of any of the charges on it and I never had an account with the account XXXX XXXX with the original creditor. In addition to this the charges on the itemized statements have no basis. {$2500.00} in charges are referenced as other & the remaining additional charges have no reference as well. 
3. Also the address that the collection agency provided to credit bureaus is inaccurate resulting in 3 letters to address my issues being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: ND

Complaint narrative:
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.

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 2023-12-12 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: ND

Complaint narrative:
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told ExperianXXXX XXXX XXXX XXXX to reinvestigate these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase bank card was paid in full and closed in XX/XX/2023. I never charged anything with this card for a long time because they charged 30 % interest and A yearly fee. I shopped around and found XXXX at 0 % for 2 years and transferred the amount from Chase to XXXX. Chase is still trying to tell me I owe them money but I do not owe them anything. After 60 days, Chase sent me XXXX bill saying I owe them {$150.00} so I called them and told them I owe them nothing for their card was paid in full and closed. My account with Chase # XXXX. And their customer service is horrible with all XXXX  people that should learn XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the month of XX/XX/2021 I was in the XXXX  with XXXX XXXX for about 20 days. I was 30 days late on my Wells Fargo credit card bill. Now I am trying to buy a house its really effecting my credit score. Can Wells Fargo please remove this late charge from my credit report as a one time curtesy! I have never been late on any of my statements! I hope you will understand and will help me with 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 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I paid off my balance with XXXX XXXX XXXX XXXX XXXX. In XXXX I reached out since they were still reporting the balance. I have attempted to talk and write to them XXXX more times since the first time and they said it was a glitch in their system and would get it fixed. It still has not been fixed and they havent followed up with me as they said they would.

Company response to consumer: Closed with explanation