vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof PAYMENT HISTORY IS OUTRAGEOUS no lates but payment status says XXXX days & past due on collection no monthly payments is no right Accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquires on my equifax report XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Opt-Out Notice Nondisclosure Option Please consider this formal notification that I, XXXX, a consumer entitled to the protections of 15 USC 6802 , am herewith exercising my right to revoke any and all authorizations, explicit or implied, written, verbal, or non verbal, that I may have previously granted to MIDLAND CREDIT MANAGEMENT. 
This opt-out applies to all past, present, and future authorizations related to Nonpublic Personal Information. I kindly request that you remove my information from any relevant lists or databases and cease any further activities authorized under the previously granted permissions.

Thank you for your prompt attention to this matter. Please confirm receipt and processing of this opt-out request at your earliest convenience. 
Sincerely, XXXX XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not opened accounts with these companies and have not given permission for them to open accounts or to look at my credit report please remove these accounts i have attached my notarized identity theft report along with two forms of ID my driver 's license and ss card thank you

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had an unsecured credit card with XXXX XXXX XXXX XXXX open in 2021 at some point I got delinquent on my account and XXXX XXXX XXXX XXXX decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and XXXX XXXX XXXX XXXX did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

XXXX XXXX XXXX XXXX is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report that noticed hard inquiries that are not mine on my profile

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I, XXXX XXXX, am filing an urgent complaint against XXXX XXXX XXXX for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Protection Act of 1974. 

As a federally protected consumer, I exercised my right to opt out of any authorizations, per 15 U.S.C. 6802 ( a ), effective XX/XX/XXXX. Despite my attempts to resolve this directly with XXXX XXXX XXXX on that date, the unauthorized reporting of transactions persists, violating my rights under 15 U.S.C. 6802 ( a ). 

XXXX XXXX XXXXXXXX XXXX continued non-compliance with its terms and conditions, explicitly stating no sharing of personal information with non-affiliates and third parties, raises concerns about their commitment to privacy. 

I demand, as part of the resolution to this complaint, the immediate removal of all non-public information, including Driver 's License information, address details, and transactions, for which no permissible purpose was granted. 

I urgently request the Consumer Financial Protection Bureau to expedite an investigation into this matter, rectify the FCRA violation, and uphold the principles of the Privacy Protection Act of 1974.

Enclosed, please find documentation of my attempts to address this directly with XXXX XXXX XXXX. Your prompt attention to this matter is crucial for the protection of my rights. 

Thank you for your immediate action on this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I went to a bank in XXXX NY and made a deposit of {$820.00} on XX/XX/XXXX. When I inserted my card the machine refused it and again I tried. When I checked the balance online it showed a deposit of XXXX. I contacted the bank and advised of the situation, providing all of the info of time and place and was told that the bank would research and within XXXX  days deposit the missing balance. 

I contacted the bank on XX/XX/XXXX and was told there was no discrepancy. I was then told I needed to provide the receipt which I did not receive. 

Please assist that in correcting this deposit.

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX at XXXX there was a transaction of {$990.00} that was made via XXXX XXXX. I did not authorize the transaction. It was directly deposited into an account that has no affiliation with me. When I discovered this, I called Chime XX/XX/XXXX and requested the transaction be stopped. They refused and told me that it was pending and they had to wait until it completed to file a dispute and issued a new debit card. The following day XX/XX/XXXX, I called and requested a dispute to be filed and was told no and to contact XXXX XXXX. This is not right, if I called them immediately and let them know why not stop the payment? I've now been victimized twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
please remove the incorrect information of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not opened accounts with these companies and have not given permission for them to open accounts or to look at my credit report please remove these accounts i have attached my notarized identity theft report along with two forms of ID my driver 's license and ss card thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. TransUnion is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. Equifax is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: FL

Complaint narrative:
Experian is showing on my credit accounts " Discharged through Bankruptcy XXXX XXXX '' It says I was late or bankrupt but I can't find any proof of that. I have no bankruptcy accounts on all 3 of my bureaus. You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, please update it to " paid as agreed, never late ''? If you find any proven evidence Also date, time and place and what measures was taken to verify this information then please send me the name, company and employee who verified the information. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX

Ive attached my credit report from all 3 credit bureaus side-by-side proving i have no bankruptcies

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
My identity verification was not validated and I did make a dispute

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 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On all of my credit reports for XXXX, XXXX and XXXX XXXX. Ive seen that I have a derogatory report stating that I owe a debit of {$5200.00}. I do not know these company and do not know what loan they are talking about nor I am getting any information from this company when I called to find out what is going on. I want a copy of the original contract with my signature, a copy of the original payment history, and proof of collection authorization as I was unable to get this information. I did file dispute with with the three credit bureaus and waiting for a resolution. Since this debt is disputed pursuant to the fair Debt Collection practices act, I require that the company cease all collection of this alleged debt and that I do not want any contact with this company along with using my information illegally to report to the credit bureau as I will then file for fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for over 12 years to get access to my credit score online to no avail. Equifax keep ignoring my request because I'm XXXX. They also keep changing my credit card for membership that I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete 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 explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: AR

Complaint narrative:
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on credit karma and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024. So after I submitted the complaint with you all and they stated the above they still gave inaccurate information to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete 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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: NY

Complaint narrative:
As a consumer, I am compelled to file this urgent and formal complaint against TransUnion for significant violations concerning my credit report, which are gravely affecting my financial health, livelihood, and privacy. These actions are a clear breach of the FCRA and constitute an unacceptable intrusion upon my seclusion. Details of the Complaint : ( 1 ) Unauthorized Inquiries and Privacy Breach : There are inquiries on my credit report that I never authorized. This is not only a misrepresentation of my credit activities but also a severe violation of my privacy, indicating an intrusion upon my seclusion. Such actions have threatened my financial security and personal privacy. 
( 2 ) Inaccurate and Incomplete Information : TransUnion has also reported inaccurate and incomplete information on my credit report. This negligent handling of my credit information is damaging my financial reputation and directly violates my rights as a consumer. The combined effect of these unauthorized inquiries, inaccuracies, and the blatant disregard for my personal privacy is alarming. It suggests a significant lapse in the protection and management of my sensitive financial data, that has led to adverse consequences for my financial and personal well-being. ( 3 ) Immediate and Firm Actions Required : I demand an immediate, thorough investigation by TransUnion into these serious discrepancies. All inaccuracies, incomplete data, unauthorized inquiries, and any breach of my privacy must be rectified or removed from my credit report promptly. 
TransUnion must adhere to the FCRA 's 30-day timeframe for investigations. ( 4 ) Consumer Rights and Expectations : I expect a detailed written report of TransUnion 's findings at the conclusion of the 30-day investigation period, along with an updated copy of my credit report, by mail. This is my right under the FCRA, and any failure to comply will lead me to consider further legal actions to protect my privacy and consumer rights. The negative impact of these issues on my financial health, livelihood, and personal privacy is profound. I urge TransUnion to address this complaint with the highest level of urgency and seriousness.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is an account that I got delinquent on in XX/XX/2017. The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed unauthorized inquires that i do not recognize, the follow inquires are not mine and are not authorized and i want removed 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 2024-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
For 7 years I've expressed that XXXX XXXX  did not evict me cause I left on my own accord and that there was a court document stating and showing that the complex was in misrepresentation that they unlawfully tried to put an eviction on my record.

Company response to consumer: Closed with explanation