vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : 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 2024-06-11 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : 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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, while on the phone with customer service rep XXXX. from Citibank N.A., I was offered the ability to be included into a short term rewards program. After listening to the disclosures I agreed to be included. The program is set to last for 6 months, from XX/XX/XXXX until XX/XX/XXXX where I am to receive 3 % back on 'ALL PURCHASES '. After receiving several monthly statements since the rewards program inception, I soon noticed the 3 % rewards did not coincide with my spending. Therefore, on XX/XX/XXXX I called Citibank N.A. to inquire as to the reasons for the discrepancy. On that call, similar to the previous call, I was told by the rep that I would receive 3 % back on 'ALL PURCHASES '. I pushed her on the details and asked if that meant bill payments for utility, cell phone, etc and she countered with 'ALL PURCHASES ( where the card is present ) '. This means NOT ALL PURCHASES! These Citibank reps are totally misrepresenting the terms of this rewards program and are deceiving consumers like myself. As a result of being included into this rewards program, I have diverted my spending on a consumer credit card that pays 1.5 % back on 'ALL PURCHASES ' just to start using my Citibank card to receive 3 % back on NOT ALL PURCHASES. This has forced me to forgo hundreds of dollars in rewards for such purchases as hotel/car rentals as well as all XXXX purchases made XXXX XXXX. I respectfully request the phone calls from both dates listed above ( XX/XX/XXXX and XX/XX/XXXX ) be pulled to confirm the merits of this complaint.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX put a credit request ( inquiry ) on my credit report on XXXX. I was in XXXX  during this time. I will upload the documents showing l was in XXXX. 
Please have them to remove the inquiry asap.

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 2024-06-11 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: WI

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-11 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and h
ave a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: DE

Complaint narrative:
Previous Complaint # XXXX HI Equifax HOPE THIS COMPLAINT FINDS YOU WELL BECAUSE IM NOT DOING WELL I AM STRESSED OUT I am verifying that THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE I DON'T KNOW WHERE THEY CAME FROM there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and THESE NEGATIVE ACCOUNTS account to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE ACCOUNTS & INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. The Unauthorized fraudulent Inquiries are listed here ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have already submitted an affidavit of identity along with a FTC report to Equifax.

You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { { {$1000.00} } } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. I will Not continue to request for you to remove this false information. The next step is for me to include your response and willful neglect in a Lawsuit going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
On XX/XX/year> I requested Auto Payment on my loans since the Auto Pay would decrease interested by 0.25 %. My request was not processed until XX/XX/year>. For 2 months, I was paying 0.25 % extra interest which I was not supposed to. I did not hear anything from Edfinancial. I paid off on of my loans ( Loan XXXX ) back in XX/XX/year>. Then, suddenly, on XX/XX/year>, I see that XXXX XXXX is reposted to my account for around {$7200.00}. I called Edfinancial and they said I have 4 payment reversals from XX/XX/year> to XX/XX/year> because they wanted to refund my payments that were not on Auto Pay. However, when I calculated the amount, the amount they were refunding me was {$7100.00}. This means that I have to actually pay at least {$100.00} more. This is really frustrating because I already paid this loan off and now I have to pay more for this loan unnecessarily. Furthermore, Edfinancial stated it would take 45-60 days for the payment reversals to deposit back into my bank account. This means for 45-60 days the interest will accumulate even more and I would have to significantly pay more. This does not make any sense. I should not have to pay for a loan that was already paid off. Edfinancial has been showing a lot of miscommunication and has been trying to scam me to may more than I actually owe. I have been very diligent about making my loan payments and have been paying even more than I should. I am very disappointed with this loan provider and will bring out the legal issues. This is highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are harming my ability to obtain credit

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed on my XXXX credit report a creditor, XXXX XXXX XXXX also know as Halsted Financial in collections in my credit report. I filed a dispute with all three credit report agencies, the FTC and Department of consumer affairs. As of today, XXXX XXXX I received an email from XXXX after their investigation that this XXXX XXXX, XXXX was removed from my credit report ( see attached documentation ). I received twice, SMS texts from Hasted Financial of the account with XXXX was placed with them and are trying to collect on this account thats been removed after an investigation. I opt in to ( stop ) communication on SMS and a response back was I successfully opt out of Text messages/ SMS text and would not longer receive such. That was on XX/XX/XXXX. Today, XX/XX/XXXX @ XXXX am I received another phone call to my cell XXXX which is also on the do not call list since XX/XX/XXXX. This company Halsted Financial , LLC is now violating, harassing and intimidating me for a debt that 1st I dont have with them and the original debt that they seem to have taken over from XXXX XXXX, XXXX was removed by XXXX XXXX XXXX directly from my dispute of not belonging to me. XXXX immediately after investigation, sent me a message in my email and experian credit report that the disputed item, XXXX XXXX also known as Halsted Financial, LLC was removed from my credit report. But, as of today, Halsted Financial LLC is still harassing me with phone call this morning @ XXXX am on XX/XX/XXXX. This is a direct violation and harassment by Halsted Financial, LLC and they need to be accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing a transaction that I did not make from last year, XX/XX/year> and while waiting for an update that is taking much longer than it should I have collected interest and fees.

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 2024-06-11 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
OLIVER ADJUSTMENT CONTINUES TO REPORT AND TRY TO COLLECT ON A DEBT THAT IS NOT MINE - AND HAVE YET TO RESPOND TO VALIDATE THIS ACCOUNT

Company response to consumer: Untimely response
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They keep stalling my credit letters i send to them, this is the second time and it is really pushing me back from getting approved for anything due to all inaccuracies 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They keep stalling my credit letters i send to them, this is the second time and it is really pushing me back from getting approved for anything due to all inaccuracies 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 explanation
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 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: Kovo
State: OH

Complaint narrative:
I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!

Company response to consumer: Closed with explanation