vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a parent student loan through XXXXXXXX XXXX for my daughter who was attending college. On XX/XX/year>, I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from XXXX congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XX/XX/year>. Additionally, the XXXX 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XX/XX/year>. On my credit report for XX/XX/year>, it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows XXXX and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a XXXX balance yet they are continuing to report that it is past due as of XX/XX/year>. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying 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 non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I had a parent student loan through XXXXXXXX XXXX for my daughter who was attending college. On XX/XX/year>, I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from XXXX congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XX/XX/year>. Additionally, the XXXX 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XX/XX/year>. On my credit report for XX/XX/year>, it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows XXXX and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a XXXX balance yet they are continuing to report that it is past due as of XX/XX/year>. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I had a parent student loan through XXXX XXXX for my daughter who was attending college. On XX/XX/year>, I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from XXXX congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XX/XX/year>. Additionally, the XXXX 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XX/XX/year>. On my credit report for XX/XX/year>, it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows XXXX and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a XXXX balance yet they are continuing to report that it is past due as of XX/XX/year>. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE DISPUTE. 
XXXXXXXX XXXX  IS WILLFULLY DISREGARDING MY SIMPLE REQUEST. 
( The merchant transactions with dates location and times of all alleged purchases made with account before closing ) Ive attached other complaints that Ive attached to review. Everytime the company provided information that was not requested when it comes to vague claims of balance and post closure fee accumulation. Never giving detailed information of how and where was the card used with business name and amount charged to card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MS

Complaint narrative:
I reviewed my credit report from Experian and identified inaccurate hard inquiries listed on my file. I did not authorize or recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 1681b ), no entity is allowed to access my credit report without a permissible purpose or my explicit authorization. 

I contacted Experian directly and requested an investigation and removal of these inquiries if no authorization or permissible purpose could be verified. However, I have not received a satisfactory resolution.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed a multitude of items on credit report and there not responding there are errors on credit report that should be updated I sent in items of verification in multiple ways mailed manually and via email and online no progress crippling credit score from growing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I woke up to find inaccurate accounts on my credit report, and Im completely at a loss as to how this happened. I checked my report like I always do, but this time, I saw errors that appeared out of nowhere. I even refreshed my browser, hoping it was a technical glitch, but the mistakes were still there. I am pleading for the documents Ive submitted to be reviewed carefully so I can stop living with this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo bank, NA On XXXX a payment posted for XXXX dollars. 
There was no negative balance. 
On XXXX the account fell into overdraft for a different transaction of XXXX. 
XXXX there is an overdraft fee for the XXXX dollars because other things cleared first. 

By other things clearing first, I lost the extra day grace period to bring the account current. 

When you call and talk to them, the computer is the only one with control over when things process, post and clear. Convenient, to say the least. 

This waiting XXXX days for the computer to work its magic and hit me with an overdraft is ridiculous.

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 2025-01-08 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX received a credit card opportunity from XXXX XXXX for a JPMorgan Chase credit card, with excellent rating for approval. A hard credit inquiry was submitted for my credit report and until this day XX/XX/XXXX. Ive not heard XXXX word from JPMorgan Chase if Ive been approved or denied. It was my understanding it would be a soft inquiry and would not affect my credit. Then I tried contacting XXXX XXXX and couldnt get assistance and I also notice the same offer was available but the odds of acceptance changed from excellent to good and this all happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XXXX I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 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: CA

Complaint narrative:
As attached files I have multiple deletions of negative information from a collection called XXXX XXXX Anthor by XXXX  XXXX XXXX  and one from XXXX XXXX 
These creditors violate the fair credit production act when I sent proof an it was deleted from my report. Now 2-3 months in Experian allows these companies to keep reporting negative inaccurate information to my credit report an add the violation by on to my report. While I have an identity fraud case active. 
I am a victim of this lawsuit to Experian From XXXX and want this removed immediately an take full action an seek damages for money I paid to credit repair companies to get this resolved but nobody could an the reason why is now clear after I saw this lawsuit. 
Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files Experian committed unfair acts or prac

tices in by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute. Experian violated FCRA by failing to properly conduct reinvestigations o
f disputed information in consumer credit files

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 2025-01-08 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 2025-01-08 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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
On XX/XX/year>2019 a furniture store ( XXXX XXXX XXXX ) opened up an account under my name using my Name, Date of Birth, Social Security for someone to obtain furniture. The account was successfully opened using the address XXXX XXXX XXXX XXXX, NC and my old address was XXXX XXXX XXXX XXXX, NC and the person never paid on the furniture causing it to go on my credit as an unpaid debt. The account then was SOLD to a collection agency ( XXXX XXXX XXXX XXXX XXXX ). Ive contacted them to see evidence and they have emailed me a copy of the furniture lease and it has a fraudulent information and a fraudulent signature attached. Ive also done a FTC report and a police report I sent it to the credit bureaus and the creditor they have not removed it from my credit report. 
This account has been on my credit report since 2019 and is effecting my credit score in a negative way. I need help with this account my identification was involved in a data breach and I'm a victim of identity theft.

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 2025-01-08 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: GA

Complaint narrative:
Upon checking my credit report this morning, I was shocked to see an unauthorized inquiry that I can not explain. It was not there before, and refreshing the browser didnt help resolve what I initially thought might be a glitch. I insist that you carefully examine the documents Ive sent to address this matter once and for all.

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 2025-01-08 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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