vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.

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 2024-09-25 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: ND

Complaint narrative:
Experian has my employer as XXXX XXXX, XXXX, XXXX. I have not worked there since XXXX. I have disputed this at least XXXX times. I have worked for XXXX different entities of XXXX XXXX  XXXX XXXX  since 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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
wont let me open a checking account with citibank.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: TX

Complaint narrative:
Someone named XXXX XXXX received a debit card mailed to my address. As I have been living here since XXXX ' and do not know XXXX XXXX I believe this to be an account that was setup fraudulently. I reached out to the issuing company and they have repeatedly pointed me to a phone number that is an automated system for their existing customers. Once I call in I get to a point where the automated system is requesting a social security number to proceed. I do not have any connection to this company outside of them mistakenly issuing credit to someone based off of a fraudulent application, I have no reason to provide any personal information to them. The people that I have been in contact with have been less than helpful and do not seem to be concerned about this issue.

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 2024-09-25 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: WI

Complaint narrative:
After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXX XXXX- XXXX Bal- {$0.00} XXXX 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 2024-09-25 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: WI

Complaint narrative:
After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX- XXXX Bal- {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NE

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 2024-09-25 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: OH

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-09-25 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: Penn Credit Corporation
State: TX

Complaint narrative:
RE : CEASE AND DESIST FROM unlawfully reporting to credit bureaus and identity theft This letter serves as formal notice to you to immediately cease and desist from engaging in the following conduct : Unlawfully reporting to credit bureaus and illegally collecting my personal information. 
It has come to my attention that you have illegally collected my personal information and is reporting to multiple credit bureaus I have no knowledge of this debt. 
This conduct is unauthorized, unlawful, and damaging to me and/or my business. Your actions violate15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 c ( c ) ( C ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1. to advise the consumer that the debt collector 's further efforts are being terminated ; and they must stop immediately. 
Should you fail to comply with this demand within 10 days, I will have no choice but to pursue all available legal remedies to protect my interests, including, but not limited to, seeking damages, injunctive relief, and/or filing a lawsuit. Be advised that this letter does not constitute a waiver of any rights or remedies, all of which are expressly reserved.

To avoid further action, I demand that you : 1. Immediately cease contact and illegal use of reporting my personal information.

2. Provide written assurance within 10 days that you will not engage in the conduct again. 
Failure to comply will leave me no choice but to escalate this matter further. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.

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 2024-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Aidvantage capitalized interest on a XXXX loan to amount to XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER properly explained to me and I believe this was done predatorily. I honestly think it was done illegally as I was never explained in enough detail and in my position was in no mental state to understand these things. NONE OF THIS WAS EXPLAINED TO ME and I have offered to pay the ORIGINAL amount many times and Aidvantage refuses to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I have no connection to the creditors mentioned, and these inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-09-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Please help me remove this collection as I do not have any contract with the collector reporting to my credit. Secondly they arent able to provide me the original contract nor give me information since its not my account. Please help me get This removed as I am a young XXXX trying to grow and my Credit is stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: PA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
There is a promotion on Chime that says you'll get a refund on car insurance, but have yet to receive anything when I did switch. I switched to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXXXXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TX

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 XXXX. 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 XXXX  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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is taking a lot of fees from my account

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