vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: MN

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT XXXX  XXXX  XXXX  IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX  XXXX  AT ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF REPORT ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. Citi closed all my credit cards without a reasonable reason. However, my Citi Premier credit card was charged a {$95.00} annual fee in XXXX just before Citi closed my account. Since you close my account I shouldn't be charged any annual fee. I am shocked Citi still charges my annual fee for my closed account and takes money from autopay on XX/XX/2023. I called Citi and been told I should see the refund on my account but until now there has been no refund on my credit card. Please refund the {$95.00} annual fee to me 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 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Im at just now receiving information from my employer about garnishment of wage for a debt I never had. I have never received any documentation in mail for any type of debt. Im disputing this claim because I have no knowledge of said debt being collected or created. If I have received any type of documentation in mail I would have disputed it as soon as found out. Im just now learning that someone has created an account under my name and stole my identity and created this debt. I am not the person who submitted any type of debt for this account. My identity has been stolen and someone have made fraudulent charges using my name and account. I want these charges dropped and account closed because they are trying to take money from me about a claim Ive never had knowledge of until now. Again this is the first Im hearing about any charges, only due to my employer sending me the case files and claims. Ive never received any information in mail, and want to dispute these claims and have them taken off my records. The only record I have is what my employer sent and its from Midland Credit Management for the amount of {$8500.00}. Apparently there was a case on XX/XX/2023 and I have absolutely no knowledge of it. Im just now hearing because of my employer. The address and company on claim Ive never heard of or resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-15 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: NC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have submitted a dispute regarding this information multiple times, but I keep receiving notifications to verify the accuracy of the information. Equifax has not provided me with any documentation regarding whom they have contacted or proof of documentation. I sent a dispute and a mail to Equifax in XXXX and XXXX of 2023, which was validated for not providing me with updated information on my dispute status. I had to submit information online, and they need to conduct further investigation to correct the payment on my XXXX XXXX auto loan. I paid this auto loan in XXXX, XXXX, XXXX, and XXXX, but my credit report shows late payment due to a law section, 15 U. S. Code Billing Error. According to the law, 15. U.S. Code 1681 A-A1, it is illegal to report payment transactions/experiences with creditors. I request Equifax to remove this late payment from my credit report as it is affecting my life due to inaccurate reporting. I am providing proof of documentation of payments in the picture and a payoff quote. I sold the car, and the payment was made directly to XXXX XXXX on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX ] [ Date ] [ DISCOVER BANK ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX UT XXXX ] Subject : Dispute of Inccurate Information Under 15 USC 1681b and Request for Blocking Under 15 USC 1681c-2 Dear [ XXXX XXXXXXXX ], I am writing to formally dispute inaccurate information contained in my credit report, as permitted by the Fair Credit Reporting Act [ FCRA ], specifically under both 15 USC 1681b and USC 1681c-2 . This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c-2. 

I recently obtained a copy of my credit report from your agency and have identified the following inaccuracies : Account Name : [ DISCOVER BANK ] Account Number : [ XXXX ] Date of Reporting : [ XX/XX/2023 ] Description of Inaccuracy : [ Describe the inaccuracy, such as incorrect balance, late payment account status ] Under XXXX XXXX XXXX, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Enclosed with this letter, please find copies of supporting documents that demonstrates the inaccuracies in the information being reported. These documents include [ list any documents you are attaching, such as payment records, correspondence, or statements ]. 

I request that you promptly investigate this matter in accordance with both 15 USC 1681b and 15 USC 1681c-2 and provide me with a written notification of the results of your investigation, including any corrections made to my credit report and actions taken under 15 USC 1681c-2 . 

Failure to comply with these legal requirements may result in further action to protect my rights under the FCRA. 

I appreciate your immediate attention to this matter and expect a timely resolution. You may reach me at [ XXXX ] or [ XXXX if you require any further information. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There is a bankruptcy reporting on my credit report by Equifax, XXXX, and XXXX. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is a bankruptcy reporting on my credit report by XXXX, XXXX, and Experian. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
XXXX XXXX and XXXX has not verified debt to me but are threatening to send negative information to my mortgage company as well as sue me for debt that I can not verify is mine. They gave me first four and last four of a credit card number which does not match any number I have. they have given me XXXX hours to submit signed documents and provide my credit card number to pay the debt on over the internet. This feels like a scam and I can not seem to find their business online. I am just trying to protect myself and determine if they are a real company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I appealed a disputed transaction for the amount total of {$4700.00} through my credit card company Chase. I told them I paid for services rendered to XXXX XXXX by check, and I would like credit back for my charges. They denied giving me credit back because I was beyond the time statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

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 2023-09-15 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: FL

Complaint narrative:
This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is completely inaccurate. 

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 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: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/2023, I noticed a charge off and many collection entries from XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX XXXX. XXXX XXXX, XXXX, Account XXXX. # XXXX and XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions. I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15
U.S.C. 1681.

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 2023-09-15 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: NJ

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS 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 2023-09-15 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:
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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:
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have previously applied for an XXXX repayment plan, as directed through the us.gov website and received email confirmation that my application was submitted on XX/XX/XXXX from fed student aid and request was received XX/XX/XXXX from NELNET. I then logged into my direct student loan provider ( Nelnet ) and became aware this was never processed. I attempted to call Nelnet and remained on hold for over 2 hours without ever speaking to a representative. I again, applied for my XXXX directly through Nelnets portal and received email verification on XX/XX/XXXX. I am scared that my application was lost again.

Company response to consumer: Closed with explanation