vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2024-05-07 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-07 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-07 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I went to Best Buy in XXXX, MD to buy XXXXXXXX XXXX on XX/XX/year>. The salesperson signed me up for a store credit card I never consented to. I immediately asked him to cancel the transaction and paid with my own cash. 

I called Best Buy customer service to complain, and Citi Bank to remove the inquiry from my credit report. Citi Bank is the bank that provides store credit cards for Best Buy. 

Citi Bank assured me the inquiry would be removed due to the illegally processed credit card request. The inquiry still appears on my XXXX 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On the date XXXX Eastern Account System company was sent certified letter to send any documents or contracts that retain my signature.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
Back Archive Move Delete Spam XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX **Complaint against Capio Partners for violating the Fair Credit Reporting Act** I am writing to file a complaint against Capio Partners for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a copy of my credit report from [ credit reporting agency ]. The report included inaccurate information that was reported by Capio Partners. The inaccurate information included : open balance {$2200.00} sent creditor certified mail to send information regarding information placed on my credit report no account number on credit report to state, no response to certified letter. 
This inaccurate information has damaged my credit score and made it difficult for me to obtain credit. I have contacted Capio Partners several times to dispute the inaccurate information, but they have not responded to my requests. 

I believe that Capio Partners has violated the FCRA by : * Failing to investigate my dispute within a reasonable time. 
* Failing to correct the inaccurate information on my credit report. 

I am requesting that the CFPB investigate this matter and take appropriate action against Capio Partners. I am also requesting that the CFPB help me to get the inaccurate information removed from my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-05-07 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-05-07 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
I have been defrauded by this financial payment service - WISE. 
Here is a summary of what transpired : XXXX XX/XX/2024 : Account deactivated XXXX XX/XX/2024 : Appealed deactivation decision. 
XXXX XX/XX/2024 : They confirmed my account would stay closed. 

Before account deactivation, I had a total of XXXX USD. After XXXX  days of receiving my funds, I requested for account statement, only to be met met with a shocking figure of XXXX USD in which XXXX transactions XXXX and XXXX were reversed on the XXXX XXXX, XXXX. I was never informed of any dispute. 

Furthermore, I asked for the balance to be sent to the account provided. On the XXXX XXXX, XXXX, I got a reply that my balance has already been sent out. I requested for the transaction receipt which I got and saw that it was sent to an account which I didn't know at that moment. 

I appealed to them same day. And on the XXXX XXXX XXXX XXXX, I received a final response stating that the money was disputed by the person who sent it and it was reversed back. They sent a receipt which the funds were reversed on the XXXX XXXX XXXX 

All these disputes and reversals were without my notice. I was not informed. I was not given any opportunity to counter the dispute. They took the decision on their own. I was never sent any dispute form or comlaint.

I have worked so hard for this money only for it to be taken away without information or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
Have spoke to XXXX, XXXX, Transunion about XXXX XXXX. I did not give these companies permission to check my credit, Nor did i give the three credit bureaus written permission to release my 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 non-monetary relief
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-07 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Received two identical letters on the same day from Resurgent Capital Services regarding an account that was just dismissed in a court case against LVNV Funding. 
Again, I received this communication AFTER already dealing with them and being told in front of a judge that I would be left alone. 
This letter claimed to validate the debt.l, but was only a report summary which is not proof of ownership, nor does it give them the right to collect on the debt. 
Further, they failed to provide a purchase agreement which shows who has had ownership of the debt and how they can collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: SC

Complaint narrative:
Several months ago, I received a phone call from Unifund, LLC stating that I had outstanding credit card debit. I asked them for the debt origination. Having been told the name of the credit card company, I informed them that I had never opened a credit card with said company and that if such a card was opened it was done fraudulently. I requested that debt validation be mailed to me. The call was ended at that time. I then contacted the fraud department of the credit card company in question. I provided them with my full name, date of birth and social security number. They confirmed that no such card had ever been opened in my name. I continue to receive written correspondence from Unifund, LLC attempting to collect this debt. I have received no debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX  XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed a collection name XXXX XXXX XXXX on my credit report with Transunion on XX/XX/year> file number XXXX today is XX/XX/year> which is more then 30 days that should result to a immediate deletion. This violation is XXXX dollars and will take further action.

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 2024-05-07 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: DE

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A new inquiry has just been added to your XXXX credit report. JPMCB CARD SERVICES ( Bank ) XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, Balance Credit added more hidden interest on my account without my knowledge. Payments were taken from my checking account. No additional information was given to me. However on XX/XX/XXXX I received threaten e-mail from XXXX XXXX XXXX on behalf of Blance Credit in which I do not understand! Balance Credit has shared my information without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
Have spoke to XXXX, Experian, XXXX about XXXX XXXX  I did not give these companies permission to check my credit, Nor did i give the three credit bureaus written permission to release my 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 non-monetary relief
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
I received a notice from TransUnion that my dispute with XXXX came back verified.I asked TransUnion for a Method of Verification that I'm entitled to under USC 1681i ( 7 ) because it is impossible that TransUnion conducted an investigation at allXXXX XXXX sold their rights to report this account when they sold it to a collection agency ( please see attached XXXX XXXX XXXX ) XXXXXXXX XXXX has negligently and willfully continued to keep reporting this charged off account which is causing it to re-age and affect my credit score tremendously.A charge off should have NO payment history as it has ceased to collect by charging off the debt.This is a clear violation of FCRA 605 ( C ) and TransUnion should DELETE this account immediately for violating my rights.

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 2024-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I noticed my student loans change in amount around the beginning of XX/XX/2024. All of my old loans returned even after being paid off for months and the final loan I had left went from {$6000.00} to {$6900.00}. I have talked to multiple supervisors in the past four months and they have agreed that the amount I owed is just $ XXXX on the final loan. I have been promised that the issue would be resolved by 3 supervisors each saying it will be done anywhere from 15 to 3 business days on three separate occasions. It has been over 2 months since the first promise of 15 business days. I have wasted over 25 hours of my life on calls with MOHELA. This pathetic and disgusting company has failed to perform at their job or has willfully neglected to fulfill their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation