vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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 request that Experian provide the documentation used to verify the following inaccurate items as accurate : XXXX XXXXXXXX XXXX, 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 2024-12-02 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: FL

Complaint narrative:
I have identified incorrect personal information on my credit report, which has resulted in the appearance of unfamiliar and inaccurate accounts that I have no association with. These errors are causing unnecessary confusion and negatively impacting my financial standing.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a complaint with the BBB along with the CFPB against XXXX XXXX. I sent a method of verification letter on more than one occasion, in which they never responded. According to FRCA laws they are required to either respond to the letter or they are to delete the item, and they haven't done either. This is a DIRECT violation of FRCA laws. I've also requested my full credit report more than once and they are refusing to send that as well. 
Also, the supreme court states that a dismissed XXXX under code XXXX of the XXXX  code is to restore both parties to pre-petition financial status as if the XXXX NEVER happened. It also states that it is meant to UNDUE the XXXX. XXXX XXXX is going against the Supreme Court 's ruling, and impending on an individual 's rights to return to their pre-petition financial status as if the XXXX never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I can't understand how this happened. I always check my credit report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a simple glitch, but the inaccuracies stayed. Im begging for the documents I sent to be reviewed thoroughly so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXXXXXX Credit cards open without my consent and my data has been exposed and breached. XXXX XXXX cards for XXXX, navy federal credit cards for XXXX, XXXX and Ive sent letters but I need section 605b not a 30 day claims process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I went to Chase bank XXXX XXXX XXXX XXXX, PA XXXX I wrote out a check to XXXX XXXX for XXXX dollars to send to her. Thought I was getting a product in return. Deposited the check into Account # XXXX routing # XXXX she said her home address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how ever this was an address for a Chase branch at that location and the people at Chase should have not excepted the check or refused to cash it. After I deposited the check on XX/XX/year> the Chase receipt said notice of delayed deposit availability account ending in XXXX amount delayed XXXX date when available XX/XX/year> IT said Checks within this deposit may not be paid because of information we've received from the paying bank or due to information we have within our own systems. So they knew that something was wrong?? I called them on XX/XX/XXXX and asked if they cashed it cause they told me over the phone there was something wrong with the account. So I called them back on XX/XX/year> to talk to them the XXXX XXXX XXXX said that the released the funds on the XXXX of XX/XX/year> I told him that the account was fraud he said that he could see my check for XXXX sitting in the account so I said get it back he said he knew that there was something wrong about the account. He said to file a complaint with Chase fraud I filed complaint # XXXX on XX/XX/year> also called Chase Fraud XXXX to make them aware> I called back 10 times and they say the cant give me any information because I am not a Chase account holder? I need to get this money back they cashed this check knowing the account was bad and know they refuse to take my calls PLEASE HELP ME????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Nelnet, Inc.
State: WA

Complaint narrative:
I recently receive my credit report and noticed that there is negative payment history on my file that inaccurately represents me. The accounts are NELNET student loans and late payments as far back as XXXX and XXXX. 

The dates that are reporting inaccurately XXXX - ( XXXX, XXXX, XXXX ) XXXX - ( XXXX, XXXX, XXXX, XXXX ) These accounts violate the FCRA laws and inaccurately represents my credit profile. 

Can you give me assistance with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
This is beyond frustrating. My credit report is filled with accounts that are not mine, and these errors are destroying my credit score. I have sent repeated complaints, and the lack of response is unacceptable.

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 2024-12-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, Subject : Correction of Personal Information in Credit Report I am writing to request a correction to my credit report regarding the incorrect listing of my name. Upon reviewing my credit report, I discovered that my name is listed incorrectly in several variations. The following names appear and do not accurately reflect my full legal name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX My correct legal name is : XXXX XXXX XXXX XXXX. 

I request that my name be updated to reflect this correct version to ensure the accuracy of my credit profile. Enclosed with this letter are copies of my identification documents, including a government-issued ID and a utility bill, to confirm my identity and the correct spelling of my name. 

Please confirm once this correction has been made. If there are any forms that I need to complete or if further information is required, do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Thank you for your assistance in ensuring that my credit report is accurate. 

Sincerely, 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 2024-12-02 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: NJ

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX XXXX 

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX Deeds and Records. There you will find the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to zero. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX XXXX XXXX  under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property. 

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of XXXX to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.

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 2024-12-02 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: TN

Complaint narrative:
For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved. This is impacting my credit and causing extreme frustration.

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 2024-12-03 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: TN

Complaint narrative:
I am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
I just got my credit report on XX/XX/year>, and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because everything is inconsistent.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CO

Complaint narrative:
On XX/XX/year> I made an electronic payment from my checking account in the amount of {$50.00} which my bank states was delivered to the First Progress Credit Card Company on that date. I called XX/XX/year> and was told by them that they did not receive the payment. I also requested they close my account. I was informed by the company that they closed my account and it would take 6 weeks but I would get refunded the remaining amount. I called back later on XX/XX/XXXX to make sure the account was closed and again was told the account was closed. I then received a late fee on XX/XX/year> and my account is still open and they will not credit me the {$50.00} dollars I paid to them that they deposited, and they will not close the account. Another call was placed to a customer service representative by the name of XXXX on XX/XX/year> and she is not willing to help. They are refusing to close my account, losing my money and adding late fees and I do not want this affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I have worked with the credit reporting bureaus, XXXX, TransUnion, and XXXX submitting two rounds of dispute letters, and successfully removing some inaccuracies from my credit report. However, the remaining accounts are still fully validated, which is incorrect. According to 15 U.S. Code 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such.

These are the accounts that are still reflecting on my credit report that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-02 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 have worked with the credit reporting bureaus, XXXX, XXXX, and Equifax submitting XXXX rounds of dispute letters, and successfully removing some inaccuracies from my credit report. However, the remaining accounts are still fully validated, which is incorrect. According to 15 U.S. Code 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such. 

These are the accounts that are still reflecting on my credit report that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
i pulled my Experian credit report and noticed a credit card that was opened in my name.

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