vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: FL

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 explanation
Consumer complaint received 2024-09-08 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
They closed my account as a charge-off and I never got notified how to pay it off via mail so I think its unfair to put this discrepancy on my credit report and I tried to pay them but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had recently opened a checking and saving account with Citi bank on XX/XX/XXXX I was able to use my account and debit card without any problems until one day I got a 2nd debit card in the mail I did not no it was linked to my current checking account I was confused and called Citi bank to report that I received a card that I did not opened i later realized this card was linked my account that I already had with them and told them it was a misunderstanding they later locked my account without any reason Ive also been to the branch and they people there is telling me I have to call and speak with Citi fraud department to fix this but whenever I call they refuse to help me and they keep telling me my phone number is not verified under my name and they cant verify me but my is verified with all 3 credit bureau there not providing me any information are a way I can fix this issue I feel like Im being lied to and there simply just trying to keep my money its been over 64 days and my money has been frozen my card and and online access isnt working either I have over {$8500.00} in my citi checking 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
Consumer complaint received 2024-09-08 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: KEYCORP
State: MI

Complaint narrative:
I was XXXX  on XX/XX/year>. I was in my car using my phone and the suspect put a XXXX to my head and took my phone while I was using it transferring over XXXX to himself using XXXX. XXXX is not letting me get my money back due to it being a friends and family transaction. However, my phone and also my whole wallet was stolen from me. I did not authorize this and notified them immediately! I disputed it with my bank and they have also denied it. I currently have a police report for this matter and I should be refunded because I was robbed! None of this I authorized.attached is the police report from the XXXX police department. I also an attached the info where they stole more things from me with my cellular device but I was able to get that back from the credit card company. They also stole from a website called XXXX. And I had to contact them before the order shipped out and I attached that info as well. I currently bank with XXXX XXXX  And the denial receipt is also attached. My account went to the negative after those transactions. Why would I force my account into the negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted

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 2024-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted

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 2024-09-08 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify : XXXX  XXXX XXXX Account number : 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 2024-09-08 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify 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 2024-09-08 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of Identity theft. I have taken all proper proceedings to recover my identity, but the credit restoration team through Experian XXXX has failed to help me with anything I was told. I continue to receive more and more unknown information on my report, my score is worse than when I started receiving their services. I have asked for certain things to be blocked due to identity theft and also looked into them, but none have been done recently upon calling because I am so upset with the lack of help I have received I found out upon the call they had closed my account without notifying me or telling me anything! I am supposed to have a four-year free subscription due to the identity theft so why my account was closed, I have no idea! They did open it back up but I am still unable to get them to help which has resulted in me losing my vehicle and not being able to get a new one because of the fraudulent charges on my account that have ruined my credit score and much more. I am a single mom to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX so this has taken a toll on my life and caused me to lose and continue to lose everything because Im getting no help and more stuff just keeps showing up on my report. I filed all the reports and turned in all the identification they needed to help with my case so there should not be any issues. They falsely advertise and do not help recover anything. I cant even get my case worker to answer or call me back. What is insurance for if they help you lose everything not regain your identity? I wanted to avoid bankruptcy but Im losing everything because of these identity thieves and no one is helping me so I feel like Im at rock bottom failing my family from this.

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 2024-09-08 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: OH

Complaint narrative:
On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. XXXX XXXX XXXX XXXX XXXX and without this misinformation being corrected 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 non-monetary relief
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. I'm XXXX XXXX XXXX XXXX and without this misinformation being corrected I 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 non-monetary relief
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
There is an account on my EQUIFAX report that is out of date and does not look familiar to me. I have made this account aware to EQUIFAX, yet they state the account is verified but it's not been updated since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
I XXXX XXXX XXXX. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I am writing to have the following information removed from my report. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I URGENTLY request to Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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:
I XXXX XXXX XXXX. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I am writing to have the following information removed from my report. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I URGENTLY request to Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX Eastern time. I called Total about my account. I just made an additional {$100.00} payment when they said there was a XXXX XXXX of available credit. The payment showed with a {$190.00} balance & a {$300.00} credit limit. My adult daughter called the automated phone service earlier that day because I had issued a card in her name. She said that automated phone Service said there was XXXX credit available. My app for the card said {$100.00} credit available. After being on hold for over a half hour, someone finally answered, but their voice kept cutting in and out. I asked them if they could adjust something so I could hear them. I did hear them and then they hung up on me. Callback request, even though they said there was XXXX time on the automatic recording when you were on hold. ( Of course for the entire whole process, I went through one or 210 minutes of wait time and five or six XXXX minutes wait time. ) So I figured the callback option was best 90 minutes after waiting I fell asleep. My phone never received any call to this day. They still have not called back. I tried Contacting the issuing bank, the XXXX XXXX XXXX  on their webpage they had a contact form and they listed total. The card issue were on that contact page. Try to explain the situation to them. They didnt reply so I tried again. They did reply a day or so later basically saying not our problem deal with the credit card company. The issue Im having is theyre not responding and I cant be on hold my entire life last I checked they now said I had a XXXX  dollars and change even though there have been no purchases since the last payment. My daughter thinks these are charge hold on order. She was going to make through maybe XXXX or something like that, but arent they supposed to go away after a few days? Ive been in good standing with this company never missing a payment since the account was open. I believe it was years ago. ( They actually deactivated the card for lack of usage and then when I requested it be reactivated thats when I decided to let my daughter use it to help her out. ) It just doesnt make sense if I have a balance of XXXX with a {$300.00} limit and I paid them {$100.00} which they have collected and taken from my bank account why theyre collecting my money and not letting the card be used. Not returning my calls! ( Since you have to verify who you are with your account details on the automated phones system before you speak to someone on the phone in person, they should have your information so if the call is disconnected, they could call you back if they want it you ask them to call you back, which they basically dont feel like it seems.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my report, I have noticed and shocked that i have been a victim of identity theft. My personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 2024

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 2024-09-08 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: TX

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 explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
Equifax is reporting adverse information 7 years from the date of first delinquency on the accounts. Equifax states on their website that adverse info would be removed after 7 years yet adverse information is still being reported on accounts : XXXX US DEPT OF ED, XXXX US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF ED, XXXX US DEPT OF ED ; XXXX XXXX XXXX XXXX  OHIO DEPT OF HUMAN SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NM

Complaint narrative:
I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for XXXX XXXX, so I cant even get into that one to see what is on there. 
Experian had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before. 
Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done. 
This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breachXXXX XXXX XXXX XXXXXXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done

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