vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
Dear Experian, RE : Failure to Respond to CFPB Complaint is a Violation of Fair Credit Reporting Act ( FCRA ) I am writing to express my outrage regarding your companys failure to respond to the complaint I filed through the Consumer Financial Protection Bureau ( CFPB ). Complaint number XXXX filed on XX/XX/year>. Including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. It is appalling that Experian, a company that is legally bound by the Fair Credit Reporting Act ( FCRA ), continues to show such disregard for the rights of consumers. This is not the first time Experian has failed to comply with its obligations, and your company 's track record of being involved in numerous lawsuits for violations of consumer protection laws only reinforces the seriousness of this matter. 
Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are required to investigate and respond to disputes about inaccurate information on credit reports in a timely and efficient manner ( 30 ) days. Your failure to respond to my dispute in accordance with 1681i ( a ) is not only a violation of federal law but also an indication of systemic negligence on your part. Given that Experian has faced lawsuits in the past, including high-profile class action cases and settlements regarding violations of the FCRA, it is extremely concerning that these patterns of noncompliance and disregard for consumer protection continue. It appears that Experian has learned nothing from these legal actions and is once again acting in bad faith by ignoring my legitimate dispute. 
I demand that you immediately address the inaccuracies in my credit report and provide a formal response to my CFPB complaint. If I do not receive a satisfactory response within the next ten ( 10 ) days, I will take further action, which may include : Filing additional complaints with the CFPB and Federal Trade Commission ( FTC ) for your violation of the FCRA.

Consulting legal counsel to explore further action, including but not limited to civil penalties as outlined under 1681n for willful violations and 1681o for negligent noncompliance. 
- Bringing this matter to the attention of relevant media outlets and consumer advocacy groups to expose your ongoing failure to comply with consumer protection laws. Let me remind you that your company has already faced consequences for ignoring the rights of consumers. I expect you to take this matter seriously and provide me with a resolution without further delay. Thank you. 
XXXX XXXX social Security number 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 2024-10-13 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-13 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I mailed my School Misconduct Application to Navient, which included an original DVD from XXXX, as evidence. On XX/XX/XXXX, Navient mailed the DVD back to me with a sticky note " unable to print '' on the case. I called Navient to ask why this piece of evidence could not be used as part of my application and they said to send in a USB. I sent them a USB as requested and never heard if they received it or not. On XX/XX/XXXX Navient received my XXXX XXXX XXXX, per their website. XX/XX/XXXX I was told all three of my loans related to my application were denied. The denial was vague with no explanation as to why it was denied. My application was specific with answers related to the for-profit school, XXXX, which I attended from XXXX. I sent in specific articles and court documents related to why XXXX was considered a for-profit school. Then my DVD I sent in would be considered physical evidence with misleading information from XXXX. I am asking you to please help me get the exact information about why Navient denied my application. I did apply for the XXXX XXXX discharge and am considered POST CLASS per the XXXX XXXX XXXX  email I received XX/XX/XXXX. My XXXX XXXX application number is XXXX. My federal loans were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.

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 2024-10-13 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: TX

Complaint narrative:
I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-10-13 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-10-13 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
There two auto loans that need to be removed from my credit report that I didn't transact XXXX XXXX and Mercedes Benz Fin

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 
Disputed Inquiries :

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 2024-10-13 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it.

If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my report.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have several Featured CDs with the bank. When the Featured CD matures, the bank 's policy is to automatically renew the CD to a Fixed Term CD instead. The current annual percentage rate with a XXXX term for a Featured CD is 4.35 %, but for a Fixed Term CD is only 0.03 %. I have a XXXX matures today which is a Sunday. When I called to renew the CD back to a Featured CD, the bank 's agent couldn't do it because its XXXX department is closed on Sundays. In that case, I have to call back another day and I lose interest for today. The difference between 4.35 % and 0.03 % in my case is about {$3.00} per day. If the bank 's CD department doesn't open on XXXX, why does the bank make CDs maturing on Sundays. Also, why does the bank automatically renew a Featured CD to a Fixed Term CD upon the XXXX 's maturity? If the bank 's customers don't pay attention to the XXXX renewal notices and/or the customers don't have time to call during the grace period, they lose a lot of interest on it.

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 2024-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
AES failed to provide me with School Misconduct Discharge Application after my school XXXXXXXX XXXX XXXX XXXX XXXX  ) was found guilty of defrauding students through XXXX XXXX XXXXXXXX and after my XXXX 's Defense Application was accepted. I asked for the forms several times over the years and found out through XXXX that a " secret form '' exists. Now I have the form after years of paying for the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Veteran

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 2024-10-13 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: TX

Complaint narrative:
Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I do not recognize these accounts nor authorize these that you block this information from my credit report within 4 business days, pursuant 605c of the fair credit reporting act, I am a victim of XXXX XXXX  of debt bondage and would like for the accounts to be blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE.

THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR XXXX, XXXX, TRANSUNION TO MAKE MONEY. 
THIS IS A VIOLATION.

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 2024-10-13 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE.

THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR EQUIFAX, XXXX, XXXX TO MAKE MONEY. 
THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details 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