vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank Accelerated Savings Account : I am trying to access my money in my Citibank XXXX XXXX account - I want to withdraw the money and close the account.They locked my account due to " inactivity '' and will not allow me to close, withdraw or transfer any of my money w/o going through a lengthy onerous process of re-activating/unlocking my account XXXX drive to nearest branch ( I live in XXXX  - nearest Branch is in XXXX XXXX XXXX XXXX send them a notarized letter ( closest Notary is XXXX miles & charges a Notary fee ) via snail mail and wait ...... 
Locking my savings account due to inactivity WAS NOT disclosed under the Terms of opening a savings account - I specifically inquired about this prior to opening the account.I have a copy of the original Terms of the account upon opening. There is no language referring to " locking '' an account due to inactivity. It is my understanding that what they are doing ( encumbering my ability to access my money ) w/o full disclosure is illegal. I seek redress. 

Please advise.

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 2024-06-10 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:
Inaccurate information was not authorized. therefore is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account Number : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( XXXX and Equifax ) and {$3300.00} ( XXXX ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late XXXX  Days ( XXXX and Equifax ) and Late XXXX Days ( XXXX ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account Number : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( XXXX and XXXX ) and {$3300.00} ( Experian ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late XXXX  Days ( XXXX and XXXX ) and Late XXXX Days ( Experian ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-06-10 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/2024, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-10 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-10 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Between the dates of XX/XX/XXXX and XX/XX/XXXX, I made payments of {$3900.00} toward my student loans ( {$800.00} of this amount was made during the COVID forbearance that ended XX/XX/XXXX ). Based upon my payment scheduled, I was only required to pay $ XXXX/month or a total of {$630.00} based upon my payment schedule. When it was announced that borrowers who have made over 20 years of payments qualified for loan forgiveness, I called AidVantage on XX/XX/XXXX and again on XX/XX/XXXX to ask that any difference in what was paid for that time frame versus what was owed be refunded prior to loan forgiveness ( Roughly {$3200.00} ). Yet, AidVantage failed to even start, much less process my request. Each time I have called, I am placed on hold for hours, over XXXX hours on multiple occasions, by customer service agents who work from home where you often hear children crying or screaming in the background while they " supposedly '' are talking with a supervisor for information. AidVantage is failing consumers/borrowers! They make you rely upon what their rep is documenting in notes, refuse to send verification via email of the conversation, and then take the stance that the conversation never took place on the call when you follow up at a later date. The Federal Government needs to fine them for their lack of professionalism that is costing borrowers/consumers thousands of dollars. Are their reps even doing their jobs ... or are they putting consumers on hold while they tend to children, eat lunch, operate a second job, shower??? This practice needs to stop immediately. In my case, because of their willful neglect in documenting my request, I am now told that they were notified that my loan was forgiven on XX/XX/XXXX and they have no proof of my conversation back in XXXX so it is too late to process a refund. Assistance holding AidVantage accountable is needed. The one and only refund I received was for {$210.00} for a payment I made on XX/XX/XXXX. According to AidVantage, they only have to oblige to XXXX refund request and the {$210.00} was it. This sounds good for them ; however, I couldn't have made a refund request on XX/XX/XXXX or XX/XX/XXXX for a payment I didn't make for XXXX days after that date. Clearly deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Because 15 USC 1681b clearly states they ( company ) must have written consent from the consumer ( 1 ). Your company obtained this account without my consent as the consumer and that is going against 18 USC 1028A as aggrevated identity theft. I will continue to fight for my rights to get these accounts you have in your possession removed. I will now be reporting your company to XXXX XXXX XXXX XXXX as fraud due to acknowledging my consent without my permission. Company did NOT do as I asked. I also would like to know how did the particular company come back verified as accurate when this company did not have my written consent in which they were sold this account debt. I also would like to know whom did they speak with Personally in regard to this debt? 
I WANT THE CFPB TO PUBLISH THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: OH

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account XXXX : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( TransUnion and XXXX ) and {$3300.00} ( XXXX ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late 60 Days ( TransUnion and XXXX ) and Late 30 Days ( XXXX ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.

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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-10 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: CA

Complaint narrative:
This morning I received a notification about an inquiry to the credit bureau from XXXX XXXX on XX/XX/year>. I did not initiate any request with XXXX XXXX, and as a result, I do not recognize this inquiry. 
I contacted XXXX XXXX, and they don't have any record of this inquiry in their system with my information. They recommended that I reach out to TransUnion to report this issue. TransUnion said that they need me to contact you to obtain documentation and a resolution regarding this matter. 
I am concerned that it could be fraudulent or a mistake. I would like to address this matter promptly to ensure the safety of my financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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 sent out letters to TransUnion back on XX/XX/2024 asking them to reinvestigate the completeness and accuracy of this account Bankruptcy XXXX XXXX XXXXXXXX that's listed but TransUnion keep on saying I sound as if Im a credit repair agency.They are making it hard for me to dispute this account, and they violated my rights according to 15 USC 1681 section B2,15 USC 1681 section Q,15 USC 1028 section A and 15 USC 1681 section C2.Can you all look and see what the problem is because this account is not showing on XXXX or 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 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I've had this account for more than XXXX Since 2006 and with a payment of 211 monthly there is no reason I should still owe almost XXXX on a XXXX loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX "

Company response to consumer: Closed with non-monetary relief