vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by 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 explanation
Consumer complaint received 2024-10-28 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: UT

Complaint narrative:
Sent multiple cease and desists letters and sent validation letters. No valid response with information requested was sent. Continued fcra, cfpb and ftc complaints for USC CODES violations

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 2024-10-28 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: GA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong 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 2024-10-28 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: DE

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From JPMCB bank its was opened two froudeluent accounts under my name and my credit report is in disaster I did FTC report regards this accounts with police report and did send to credit agencys.XXXX fraud department representative don't want to block or delete this fraudulent accounts from my report saying that they are waiting from company to respond and its already 90 days. 
Thanks for your attention. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX XXXX XXXXXXXX, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.

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 2024-10-28 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:
XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX, Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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:
Chase Bank closed my bank accounts, which were set up for auto-pay on my two Chase credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report.

I reached out to Chase, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal Chase customer since 2016, Ive never missed a payment.

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.

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 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX Cit Bank : new owners Op -out letter was not sent XX/XX/year> - my payment was made to XXXX XXXX for {$200.00} XX/XX/year> the representative of city Bank said that my bill was sent to my house, and I was supposed to receive a op out letter after XXXX sold the accounts to City bank Citibank representative said XX/XX/XXXXXXXX XXXX citi Bank took over the account Citibank representative said that there is a Late fee of {$40.00} late fee on the account I still did not receive the opt out letter

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 monetary relief
Consumer complaint received 2024-10-28 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
To begin this incident, I'd like to mention that my CIT savings account originally had a balance of {$22000.00} on XX/XX/year>. 

On XX/XX/XXXX I opened a new savings account with XXXX XXXX ( a subsidiary of XXXX ). I initiated a transfer of {$22000.00}, however due to an error with their mobile app, I did not see a confirmation that this transfer was requested successfully. I subsequently added another transfer of {$22000.00}. Two days later on XXXX the XXXX I received confirmation emails of both transfers. These transfers were initiated from the XXXX XXXX mobile app and pulled from my savings account with CIT Bank. 

On XX/XX/XXXX, I had seen that both transfers were processed and brought my CIT savings acount balance negative : the transfer for {$22000.00} and {$22000.00}. My original balance was {$22000.00} and as a result of the erroneous second transfer, my balance went down to - {$2200.00}. I called XXXX XXXX  for assistance and they mentioned to me that the {$22000.00} transaction will be refunded to my CIT savings account. Wanting to avoid a negative balance / overdraft, I had asked them to stop the {$22000.00} transaction. 

On XX/XX/XXXX, I had seen a return item of {$22000.00} from XXXX XXXX  on my CIT account. However, I was not told that XXXX XXXX  's system would automatically retry the payment. This resulted in another transaction of {$22000.00} on XX/XX/XXXX that appeared on my CIT savings. 

On XX/XX/XXXX, a return item of {$22000.00} was credited back to my CIT savings account. However, due to this auto-retry that XXXX XXXX  had done, this had caused a restriction to be placed on my CIT account XXXX 

On the XXXX XXXX  side, although the {$22000.00} was processed, it did not show up on my XXXX XXXX  account. I was left with a balance of {$0.00} on my XXXX XXXX account and left with a balance of {$0.00} on my CIT savings account. I have been in contact with both banks several times and have both been sent back and forth between CIT / XXXX XXXX. 

The advice I have been given from XXXX XXXX  ( XXXX ) several times was to call CIT and ask to file a dispute in order to receive my original credit of {$22000.00} back. The advice that CIT has told me several times is to contact XXXX XXXX  XXXX XXXX ) in order to get my {$22000.00} funds credited back to CIT. I am getting the run around from both banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My credit card ( s ) were written as charge-offs on my credit report. However, I did not receive a 1099-C from the companies and if Im not mistaken once it was indicated as a charge off I was supposed to receive a 1099-C. Since they took a tax break, but the company is still reporting that I owe them money on my credit report, but they wrote it off as profit loss ( charge-off )

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-28 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX  XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, status and account details 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 validated 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, Equifax 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 INMEDEDIATLY 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, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your correspondence. I request that you provide proof and validation of this debt as required under the Fair Debt Collection Practices Act. 

Account name : XXXX Account number : XXXX  Please provide the following information : The amount of the debt.

The name of the original creditor.

Documentation that proves I am legally obligated to pay this debt.

Any other relevant information pertaining to this account.

Until I receive the requested documentation, I consider this debt disputed and request that you cease all collection activities.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
For CREDIT MANAGEMENT COMPANY XX/XX/year> & CONTRACT CALLERS XX/XX/year> I have no knowledge of and refuse to pay this debt that I AM NOT familiar with at all! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX UCC 1-308 ALL RIGHT RESERVED WITHOUT PREJUDICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-28 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: CA

Complaint narrative:
Experian is reporting a negative account from XXXX XXXX  on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached XXXXXXXX XXXX XXXX from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account 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 explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
NARRATIVE After reviewing my credit report in 2019 I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX, in the amount of XXXX dollars Account XXXXumber : XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.

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 2024-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
found taped to my door a white envelope not sealed looked ripped open hand written in Black sharpie - the enveloped was attached with green painters tape in envelop was my account number and trying to reach about debt slip of paper for anyone to see

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I came across an error on my credit reportan account that doesnt belong to me or contains incorrect 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 2024-10-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
someone from my old address of 8 years ago submitted a credit app to BARCLAYS bank under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
someone from my old address of 8 years ago submitted a credit app to XXXX bank under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation