vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability with my new credit applications getting denied also causing me undue stress.

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 2024-10-07 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2024-10-07 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
attached are 2 documents received on XX/XX/year> showing again, that the loan owner is XXXX, XXXX sent by XXXX, their collection arm of the business. 

XXXX XXXX XXXX XXXX with the address of my home listed as the owner. Clear Recon, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and any other parties claiming ownership to my residents. 


I AM THE LEGAL OWNER OF THIS PROPERTY AND NOT EITHER OF THESE CORPORATIONS. A corporation in 2024 is unconstitutional, based on the Chevron Doctrine of 2024, Constitution, Bill of Rights, Declaration of Independence that give ME the right to this home. I've more than paid for it after living in it for 30 years but the corruption seems to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
capital one sent email saying outstanding balance of XXXX on XXXX  
email recieved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-10-07 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: CA

Complaint narrative:
I started receiving some mail related to student debt refinancing ( from XXXX - a firm I have never heard of ) and was suspicious about it since I do not have any student debt. I then checked my FICO credit score and noticed an account that wasn't mine - An open student loan account from XXXX XXXX XXXX  ( phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with balance {$53000.00}, 7 year term opened on XX/XX/2021 that appears to have 'Paid Satisfactorily ' Payment History. There is also a previous closed account with the same start date that has a balance of {$0.00}. 

I did not take out this loan ; I was doing a fully funded XXXX  at XXXX at the time and had no need for student loans. 

I called the number listed for XXXX XXXX on the credit report and found it to be a robo-call that said 'you have been selected for a free gift ' and dropped the call ; searching for XXXXXXXX XXXX phone number on XXXX gives me XXXX different phone number XXXX ( ie XXXX order was swapped in the credit report entry ), which appears to belong to XXXX  but will not let me proceed until I enter a phone-number corresponding with my account, which I obviously don't know since I didn't create an account or take out a loan with them. 

I disputed the account on Experian ( the credit reporting company that produces FICO scores ) and am yet to hear back. Looking deeper into the credit report metadata, I found an erroneous mis-spelling of my name : XXXX XXXX XXXX and two addresses in XXXXXXXX XXXX that I have never lived at. I disputed the two erroneous addresses as well and they were promptly removed from my credit report. 
Based on this information, I found a person named XXXX XXXX [ XXXX : XXXX XXXX ], who was a XXXX XXXX at XXXXXXXX XXXX  in XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  It is possible that the loans were taken out by this person and were erroneously attributed to me. 
My name is spelled XXXX ( with a trailing a in my first name ) XXXX and I have never lived in XXXX, NY or interacted with XXXX. I am unsure how this managed to appear on my credit report seeing as they should not have access to my social security number. 

Finally, I also checked my credit report on XXXX and XXXX. Neither have this fraudulant account listed in my credit report. This leads me to suspect that this may have been a record linkage error where a loan granted to a different person got erroneously linked to me. If it is an honest mistake, this points to sloppy actions on XXXX/Experian 's part ; if not, it is outright 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I called Equifax because the mortgage lender was not able to pull my credit report. Apparently they input the wrong address so I told the customer service rep I will let them know that was the issue. She said since I have a fraud alert on my account is blocked their information. She then said she can remove the fraud alert so that they can run my credit. I told her no do not remove the fraud alert its there for a reason and I will make sure that theyre running it with the correct address. She kept pushing me to remove it and said I can add it after they do the inquiry. I told her three times or more no do not remove my front alert. She then said well you can add it back on and they have a service that has a theory so I was trying to make me buy a service as well for my fraud alert. I explain to her AGAIN to NOT remove my fraud alert. The mortgage lender corrected the address and was able to run my report. The next morning I checked with my fraud alert and the young lady removed it! I was livid! I have the fraud alert on there because XXXX has been on my credit report since 2021 if not sooner for a collection that was not mine and it was due to identity theft. I am appalled that she removed my fraud after after I told her SEVERAL times to NOT remove it. I understand over 90 % of the cars go out of the country but the word no means the same thing & a clear understanding in all countries. 

Equifax is NOT authorized to remove my fraud alert!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Goldman Sachs Apple Card dispute on fraudulent charge from XXXX was not properly resolved. It canceled my XXXX XXXX subscription that I had to restart. Refer to attached pictures. The bank billed me when subscription was cancelled. Subscriptions are billed in advance. 
Goldman Sachs Apple XXXX number XXXX I believe the bank violated Fair Credit Billing Act and ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account ( checking and savings ) with Citi in XXXX. About a week before receiving a closure notice, I contacted Citi 's fraud department because I was unable to add my debit card to my mobile wallet. The representative confirmed there were no alerts or holds on my account at that time. 

However, a week later, I received an unexpected email notifying me that my account was being closed, and I immediately lost access ( This is on XX/XX/year> ). There was no prior warning or reasoning provided for the decision to close my account. 

I reached out to the personal banker ( XXXX XXXX, Citibank XXXX XXXX XXXX ), who helped me open the account. The banker reviewed my transactions and found no reason that should have resulted in account closure, and they submitted a request to the fraud department to stop the closure. Unfortunately, on XX/XX/year>, this request was denied by the back office. 

I reviewed my transaction history, and nothing is out of the ordinary except XXXX large outgoing ACH transfer to the institution labeled as XXXX, which is the university that I am currently attending with the full name XXXX XXXX  in the City of XXXX XXXX. The transaction of around $ XXXX was to pay off my tuition. All my funds and transactions are legit and I can prove that if needed. 

I also contacted Citi 's Executive Response Team after the request denial, and my case number is 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 2024-10-07 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 was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: OH

Complaint narrative:
This company claims i owe them for a bill that I never had with them I have disputed this bill and it was removed and now this company keeps emailing me none stop. I ask for voildation of the bill and they refuse says it confidential. I have ask them to stop emailing me and they continue.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I currently have checking accounts with XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX, and a CD account with Wells Fargo. 

Recently, I attempted to add beneficiaries to these accounts. However, upon contacting the banks, I learned that there is no option to add beneficiaries via online banking, phone, or mail. The only way to complete this task is by visiting their physical branches. 

As a person with a XXXX, and someone who works from XXXX XXXX XXXX XXXX XXXX every day except Sunday, it is not feasible for me to visit a bank in person for such a simple task. 

My concern is that in today 's world, most banks offer the ability to add beneficiaries through online banking. Why don't these banks make this important task more accessible via online services? 

Adding a beneficiary is crucial. If a person unexpectedly passes away, it raises serious concerns about the accessibility of their funds for their family members or loved ones. 

I am concerned that these banks may have ill intentions, possibly to seize unclaimed funds when account holders die unexpectedly. 

As a tax-paying citizen of the United States , I urge that adding beneficiaries via online banking should be made a mandatory feature for all banks.

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 2024-10-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and this account reported to my credit file are fraudulent accounts. Please remove these accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft and this account reported to my credit file are fraudulent accounts. Please remove these accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation