vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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:
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-02-15 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a " free '' checking account in XXXX It came with no fees for ordering checks and no fees for using another bank 's ATM. For a few years, things were great. Then Citizens quietly changed the terms and I now have to pay for checks and get charged a fee ( by Citizens ) for using another bank 's ATM. Meanwhile, Citizens is now sending me new offers for a checking account with no fees. But there's a catch, I have to open a NEW account and open a MasterCard credit card. All to get the same terms I used to have ( no fees ). I have called customer service to complain more than once, but each time they tell me the only way to get back the original terms of my account ( no fees for checks, no ATM fees, etc. ) is to open a NEW account. Classic bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc.
State: KS

Complaint narrative:
On XX/XX/2023, I submitted a complaint about Net Pay Advance and their predatory lending practices which include both unexpected and outrageous fees and interest. In that previously filed complaint, I detailed the hundreds of dollars I had paid each month, of which barely any went towards the principal, and which totaled the principal amount of {$3000.00}. I further went on to describe a fair resolution, which stated that " Since the principal {$3000.00} is already paid, plus interest, a fair resolution would be to have the account closed and reported as PAID IN FULL. No further payments will be requested and no more will be paid. Both parties end their engagement amicably. '' To resolve the issue, the company responded that they " The company agrees to close the account and require no further payments from the customer... we recognize that the customer has acted in good faith and we are therefore willing to write off the balance of the loan. The account will be closed and no further payments will be required from the consumer. '' At the time of the company 's response, I was satisfied with this response and proceeded to provide feedback to the CFPB that the company followed through on their word. However, the company ( Net Pay Advance ) has NOT followed through with their agreement. Since then, I've been repeatedly harassed with e-mails and text messages about payment. On multiple occasions I have provided representatives of the company with the original complaint and the company 's response. Each time they ignore what is clearly detailed in the report. 

To put it simply, an agreement was made between myself and the company, Net Pay Advance, and the company has not followed through with their side of the agreement. They continue to seek payment for which they have stated is a closed account. " The account will be closed and no further payments will be required from the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-15 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MD

Complaint narrative:
I was reviewing my credit report and found unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have federal student loans on an income driven repayment plan which required annual recertification of my income to calculate payments. This annual recertification, as per my studentaid.gov account states that the recertification date is XX/XX/XXXX. As per studentaid.gov, any recertifications prior to XX/XX/XXXX shall be delayed one year ( XXXX XXXX XXXX ). My new recertification date should be XX/XX/XXXX, however my loan servicer MOHELA is refusing to honor this studentaid.gov policy. They are demanding I certify my income by XX/XX/XXXX. I have been on calls with them for approximately 3 hours today trying to rectify this issue, but they refuse to honor the law in place by our government. They are raising my payments to an untenable amount if I do not abide by their arbitrary recertification deadline which contradicts published information from the US government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year> XXXX XXXX COMMUNITY CREDIT XX/XX/year> EXP 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 2024-02-15 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: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-15 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: GA

Complaint narrative:
Unauthorized and Unverified accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
Unauthorized and Unverified accounts on 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 2024-02-15 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: TN

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 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I had requested to be removed as an authorized user on 3 accounts with Synchrony Bank, i was told that I would be removed and a letter would be sent to me. It is XX/XX/year>, I have yet to receive confirmation so I called them again and this time I was denied because I am not the owner. I have had no problems removing myself as an authorized user on other cards, for example XXXX had me removed and off my credit report within a day. Now synchrony is telling me that I have to wait until XXXX! This makes no sense and is totally wrong. I should be able to have this removed on my own with no problem, but it seems with Synchrony it is a problem.

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 2024-02-15 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: OH

Complaint narrative:
I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted 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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reel Time Capital LLC
State: OH

Complaint narrative:
I had received a voicemail one day that if i did not contact this company further action would be done to retrieve the debt. I ended up calling the number and it was a law firm that I have to resolve the debt with. I had informed them that Reel Time Capital LLC did NOT contact me one time about the debt, not through phone, email, letter, NOTHING. I ended up contacting Reel time capital llc and explaining how they had started a lawsuit against me without informing me about the debt or every contacting me at all. I have all of the emails of the lady I had been talking with. She " pulled '' the debt from the law firm so that I could pay it in full with her or set up a payment plan, and to which i set up a payment plan. I last heard from the reel time capital llc employee over three weeks ago and have not heard anything back from her, I have tried emailing the support email, have not heard back from them, tried calling them, i can not get ahold of anyone. I have half the debt paid off and now can no longer get in contact with them. OH I also forgot, after I had set up a payment plan with them, my debt card was hacked ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has had a settlement fund that they've been paying out to people, so I'm reaching out because i absolutely deserve reimbursement. To make a long story short, my bank ( XXXX XXXX ) said i had an account that i didn't actually have a few years back, so i pulled my credit reports which caused you to make like a dozen mistakes, the most recent being the face you just cost me {$300.00} and i want that money because you are literally the only reason why i didn't get it ( proof shown below ). Here are the complaint id numbers for the previous cfpb complaints in order # XXXX # XXXX # XXXX # XXXX The original complaint i sent in mainly focuses on the issues that are relevant now. You outright refused to help, so much so that i had to send in an additional XXXX  complaints afterwards and still never received an official answer. You did every but what you were supposed to, that being " helping me ''. I wasted at least a dozen hours sending in complaints on here, on the phone with you, pulling credit reports at XXXX and XXXX to keep an eye on my identity since you refused to help, etc. The actual time you caused me to waste is likely much higher though. For crying out loud, i was still pulling my credit reports a year after the first complaint because you literally refused to help me. About the only thing you actually did for me was place a freeze on XXXX credit bureaus, which leads to me loosing the {$300.00}. I recently tried signing up for a XXXX  checking account because they were offering a {$300.00} bonus if someone direct deposited {$500.00}, but i received a message after trying to make an account that i wasn't allowed due to a credit freeze ( XXXX  pulled a soft inquiry ), the credit freeze that you placed on my account more than 4 years ago and you never even gave me a way to unfreeze the credit either, but i managed to find a way. I then reapplied to XXXX  but i was denied again. They sent me a letter in the mail a few days later saying they couldn't verify me, which only happened because of the credit freeze you put in place because you refused to let me do anything else, even going as far as to refuse to let me have an actual credit report with you in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 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

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