vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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:
5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: CL Holdings LLC
State: GA

Complaint narrative:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score was XXXX 3 months ago. I obtained a new credit card and have XXXX dollars credit. I charged XXXX dollars on the card and repaid every dollar on time or before time. I have no late payments and my score went down to XXXX in 3 months. It should have gone up.

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 2023-09-08 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: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 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: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/2023 I received a random ACH to my personal savings account in the amount of {$17000.00}. I called every brokerage and online account I use and no one could account for this transaction. The bank provided a phone number of XXXX XXXX XXXX which was a recording requesting personal information which I was not comfortable providing as this seemed liked a phishing attempt. In XX/XX/XXXX I received an alert from XXXX XXXX stating my credit score had been critically comprimised due to a revolving trade grossly exceeding it's limit. I immediately logged on to my US Bank account to find a random credit charged to the account in the amount of {$17000.00}. My balance at the time was {$8000.00} which put my new balance at {$25000.00} well beyond my limit of {$17000.00}. I spoke to multiple people, managers, supervisors trying to rectify the issue to no avail. I have since paid the balance in full but US Bank had no right to damage my credit and authorize a charge over the limit. 
Please let me know if there was anything Illegal beyond the unethical way in which this was handled. 
Sincerely, 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 monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XXXX I NOTIFIED TRANSUNION BY CERTIFIED MAIL XXXX THAT DEBT TO XXXX XXXX XXXX AND XXXX XXXX XXXX  WHERE NOT MINE OR AUTHORIZED BY ME. I RECEIVED THE SECOND FORM FOR DISPUTING A CHARGE TO WHICH I ALREADY DID MONTHS AGO. MY CREDIT SCORE WAS XXXX AT THAT TIME AND THE PHONY CHARGE LOWER IT TO XXXX WITH ANOTHER COMPLETLY DEBT THAT I AM DISPUTING AT THIS TIME. AS I REMEMBER XXXX PLUS YEARS OF CREDIT REPORTING I DO NOT REMEMBER ANY BAD DEBTS ON MY 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 2023-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
This is a mail order magazine i never applied for. My information has been breached on more than 1 time. I did everything to inform company i never applied nor ordered from them. I provided notorized documents showing i have not lived at address where merchandise sent nor do i know the individual in question. They have destroyed my credit over this & refuse to remove derogatory payments & account from my trw.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were XXXX XXXX XXXX credit cards reported on my credit. I reached out to XXXX XXXX and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to XXXX XXXX XXXX XXXX but they didn't remove the account, they said they were not fraud. 

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with XXXX XXXX XXXX XXXX. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my Experian report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my Experian report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with XXXX XXXX XXXX XXXX and I want to maintain that great relationship.

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 2023-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
XX/XX/23 M.A. Kirkorsky.P.C initial introduction to me was by XXXX. delivering to my address a foregoing copy of a subpoena in a civil case with a case no.TJ2006. The subpoena disclosed misleading information about me. Kirkorsky 's listed local phone no. that is identified and named ; debt collector, the business address a po box denighing me reasonable communication. Kirkorsky did not follow-up with me regarding the subpoena Kirkordsky neglects providing me with a debt verification, has not given me the option to dispute the debt. XX/XX/23 Kirkorsky has court filed ( 2 ) consecutive affidavits under the case no.XXXX.seemingly a case that's expired Arizona statue of limitations. XX/XX/23 a second notice of subpoena to XXXX XXXX Bank collectively gathering my current to past personal banking records. I was not XXXX. mailed a copy of that subpoena the XXXX banker sent a copy of the ( 2nd ) subpoena. XX/XX/23 XXXX XXXX  complied with the order and Kirkorsky has been delivered those personal account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
For years, I previously had accounts for years with Wise ( previously TransferWise ) without substantial issue.

This year, however, Wise has for months failed to resolve and remedy several failings that have been both directly and indirectly damaging for me personally and for my business : 1 ) That Wise has repeatedly held business transfers for weeks without notice and with no responsive means to resolve these hold. In multiple cases these holds were well beyond the stated timeframes for release 2 ) That Wise has for months held one business account in a state of " sanctions review '' despite that business 's having already provided valid, unexpired, up-to-date documentation as required to open the account. Wise continues to exceed the completion times provided for its own internal review it states to undergo in connection with several unresolved complaints I've lodged through email and phone conversations with Wise.

3 ) That Wise has cancelled inbound transactions while also failing to provide timely response regarding this months-long purported internal review.

4 ) That during the years of my use of Wise as a verified account-holder, Wise has demonstrated absent public policy, absent documentation, conflicting documentation, and conflicting accounts between various Wise representatives regarding these matters : - How to create, join, or access a Wise business account when a Wise user already has a Wise personal or business account - How to access, own, or manage multiple business accounts when one or more of the businesses require ( per security & compliance requirements ) accounts be made using email account ( s ) and domain name ( s ) authorized by and specific to that company - To what extent and by what means Wise supports having multiple profiles ( user logins ) given the dearth of clear policy, clear user experience, and accordant systems design around supporting multiple account access that also meets extremely common compliance requirements of client businesses- Wise 's demonstrated inability and/or refusal to reflect validated, approved account changes consistently throughout its services and interactions with customers and third parties - Wise 's demonstrated inability and/or refusal to address customers by their verified legal name ( s ) and or expressed title ( s ) or means of address - Wise 's demonstrated and extended failure to address almost universal misgendering in its customer support operations- Wise 's demonstrated failure to acknowledge the above and other failings and related failure to protect customers from the time-consuming and financially devstating implications of the corporate gaslighting implicit in the failings taken together

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX and Transunion have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of COVID relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, XXXX and Transunion and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, XXXX and Transunions part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. XXXX and Transunions site does not provide and option to address the issue since the problem is not one of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, XXXX and Transunion in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me XXXX relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial XXXX relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, Equifax and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, Equifax and XXXX part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. Equifax and XXXX site does not provide and option to address the issue since the problem is not XXXX of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, Equifax and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.

Company response to consumer: Closed with explanation