vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to identity theft and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Citi credit card : A check for a monthly payment was determined by USPS to have been lost. I submitted a replacement check, which Citi acknowledged on my XX/XX/year> statement. The Citi dispute system notified me after Citi deposited the check that the matter was closed. 

It was not closed : Citi then added the same amount as being owed on my XX/XX/year> statement. I started a series of some four calls to dispute this ; each time the agent told me that the problem had been resolved. My XX/XX/year> proves otherwise, and Citi continues to charge me interest on my own funds. 

I have not paid the current amount due, which was dated a few days ago, as I can not get Citi to continue to charge me for the money that they have, for a check that has cleared the bank.

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 2024-04-26 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: IN

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-26 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: CT

Complaint narrative:
I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND

Complaint narrative:
I current have a money market account with Citizens Bank. I realized I am not contributing to it anymore and it was becoming negative. I called them and asked them to close it. They said I need to pay the balance. I paid the negative balance and the account became positive with enough money for them to take care of the statement fee. However, they refuse to close the account. Now, they are charging me maintenance fee and statement fees. I called them and they want me to pay the negative balance again. That is not fair and I am the Government to take a look into this matter as tax payer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-26 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: VA

Complaint narrative:
On XX/XX/XXXX and multiple previous times before the item below has been inaccurately re-inserted back into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previous item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This must be updated and STAY current. The XX/XX/XXXX payment status for XXXXXXXX XXXX XXXX  account XXXX keeps reporting incorrect changing constantly from " Current '' to " 30 Days Late ''. Please update and KEEP XX/XX/XXXX reporting correctly as CURRENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
MY RIGHTS HAVE BEEN VIOLATED. 
Equifax HAS BEEN WILLFULLY NON COMPLIANT WITH THE LAW UNDER 15 USC 1681. 
I have been dealing with this since XXXXEquifax replied on XX/XX/24 with debt validation. I didnt dispute the validation of the debt I highlighted that Equifax had willfully Violated my. I will be seeking litigation after this final attempt to fix this. The account is a XXXX charge off. 
The following codes have been violated. 
15 USC 1681b-permissible purpose 15 USC 1681 Section 602A-right to privacy 15 USC 1681 Section 604A -written consent 15 USC 1681eb-maximum accuracy 15 USC 16815-2ala-reporting information with knowledge of errors 15 USC 1681 ( 2 ) ( a ) ( i ) -reporting information solely as a transaction OR experiences between consumer and the furnisher is PROHIBITED from being reported I have my lawyer ready to file the lawsuit within 15 days from receipt of this seeking litigation for XXXX XXXX  under 15 USC 1681n for defamation of character and this is hurting my livelihood XXXX 
see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 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: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
JD Byrider sold me a used car with a warranty package in XX/XX/XXXX. The loan was financed by their lending company CNAC. The warranty package was expensive but designed to keep the car on the road. In XXXX of XXXX, the car could not be inspected because the frame rusted through. This was determined by them ( JD Byrider ) via the warranty package and an independent dealer I paid for a 2nd opinion. The car was basically junk and after much discussion I offered a {$1000.00} to settle the loan. They ( CNAC ) accepted the settlement offer and reported the trade line to the credit reporting agencies as a CO ( charge off ) instead of SIF ( settled in full ). Had the frame not rotted through, this loan would have been paid in full. I am requesting they correct how they reported this to all the credit reporting agencies. On XX/XX/XXXX, I received a letter from CNAC stating they reported certain information inaccurately and made the corrections. The account status was listed as Charged OFF on the paperwork they sent. 

I am XXXX with limited income. At some point I will need to purchase a vehicle and their reporting will be damaging to me, possibly resulting in a higher interest rate, which I can not afford. 

Additionally, after I paid the settlement amount agreed on, they called me again demanding payment. This company runs on the premise of helping people, but based on my experience, this is just a front to sell junk vehicles with expensive warranty packages to people with limited incomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I opened a dispute for XXXX on XX/XX/2024. 

I received an email on XX/XX/2024 that they applied a temporary credit of XXXX to my account. 

The problem is I NEVER received the credit. 

XX/XX/2024 I was notified that my claim was denied and they took XXXX out my account. 

They took XXXX even though they NEVER gave me the credit in the first place. 

Nowhere on my statements or in the system states that I ever received this credit. 

I opened a dispute for that and they denied it! 

They stole the money I never received in the first place!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
This account was fraudulently opened in my name without my knowledge by an ex spouse vindictively. The address that was originally on file XXXX XXXX XXXX. has not been my address for close to 5/6 years. I never received any info. pertaining to this account until I noticed one day the derogatory mark on my credit report. I have disputed multiple times on mult. platforms. I have made an identity theft report and sent that to the companys po box . Yet, still getting hit hard for a collection that is not mine. It has really taken a toll on my credit/family. I would ask to please delete this account in good gesture.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My son passed away XX/XX/2024 suddenly. He had no money, will, estate or property. We provided Honda with a death certificate immediately asking for them to pick up his car. They sent an email back requesting me, his mother to fill out a 4 page form making me responsible for the car. I refused. Then they sent me a letter offering some options to pay off the car, transfer the car or drop it off at a Honda dealership. I explained to them that the car is stick and I can not drive it. They said they would get it picked up. The next day I started receiving phone calls. The unsympathetic person on the phone wanted all my information, which I was not giving her. Her response to this was to tell his grieving mother that they were going to contact us, every day, until you obtain all MY information. I am not their customers. The signatures on the documents signed for the loan were XXXX XXXX signature, no co-signer. I went to the dealership where he bought the car last weekend to try and get help. I was assured by the manager he would get back to me Monday, nothing. I contacted him this Thursday and he said he'd call me later that day, nothing. Honda is now contacting my daughters for their personal information. We are requesting, in accordance with Federal and NJ law, for help with getting them to pick up his car and stop harassing us. Every time they call us, it reminds us that my beloved son, and their brother, is NO LONGER HERE. The car is at the address listed on his loan. Ready and able to be picked up by the loan holder. I'd appreciate any help you can give me with this unbelievably unsympathetic company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF XXXX XXXX ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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