vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX. I did not open this account and have requested proof of signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: PA

Complaint narrative:
Experian is stating that my credit had to be decreased by XXXX due to some delinquency with some sort of payment. However, it's not showing and I can't find anywhere I've been delinquent with any payments at all so I need some assistance to remedy this matter. I feel as though there's some false information being reported on my Experian credit report since I've recently removed the freeze/lock from them. Please advise, Thank you.

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 2024-07-16 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: GA

Complaint narrative:
On XX/XX/XXXX I sent certified mail to Transunion. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because TransUnion has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that TransUnion deletes these items from my credit report. I also sent letters to XXXX, and XXXX and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.

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 2024-07-16 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: WA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX. I requested proof that I opened the account and proof of wet signature.

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 2024-07-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-16 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX 2024 I received a text from Citi bank asking if a few transactions were transactions I authorized. I immediatley called CITI and stated no the charges were not me and they were fraud. The agent then closed that card and assured me that they would take care of it. A few weeks later they stated that XXXX of the charges for the {$29.00} was going to be credited but the charge of {$290.00} was going to be charged to me because the merchant said it was a legit charge. I was very confused as per I did not make a purchase to an auto parts store in XXXX XXXX when I live in XXXX XXXX. CITI stated because the address was correct for the charge I made this charge. However, the charge was NOT in my name nor was the address fully correct. It was not my full address it was missing my apartement number. I filed a XXXX report and also submitted this to CITI stating I did not make this charge. I also got a letter from XXXX stating that they had a XXXX XXXX on XX/XX/XXXX and this card with the fraud charges was the card I used with XXXX. I am still fighting this charge with CITI. I did NOT make this charge. It was not my name only part of my address was correct and I would like to know if they just had the card number because I had the physical card in XXXX  XXXX. It has been months now and CITI just keeps giving me the run aournd saying they are not going to credit me for this {$290.00} charge when the other one was fruad they credited right away. I have been a long time CITI card holder NEVER late on my payments. This is beyond time consuming and frustrating.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 2024-07-16 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: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account XXXX XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear [ XXXX ] : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account XXXX XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least XXXX  days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within XXXX  days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : CFPB FTC States Attorney General

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 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Foursight Holding LLC
State: LA

Complaint narrative:
I have filed previous complaints primarily with the company I did not sign a contract with or agree to any transfer of contracts. I was not notified the contract was being sold and did not have the opportunity to decide if I wanted to stay with the company or go to a different one. 

I requested a copy of the contract from Foursight Capital and received a document I DID NOT sign, the printed signature is not my signature. I advised Foursight Capital it was not the contract I signed but was advised it was what they acquired during the transfer.

I reviewed the document and noted I was charged {$88.00} for recording the security interest with public officials, XXXX  state law says the maximum amount to be paid is {$15.00} for notary and {$35.00} for recording. I was also charged {$800.00} for GAP insurance I did not want. The lien filing fee paid to the lender of {$180.00} is also incorrect charge. The interest rate of 12.81 % was changed to 12.54 % on page XXXX of said contract. 

The contract further states I can not sell the vehicle without permission of the lender and if I go to XXXX in the vehicle it can only be for 30 days. If my job requires me to move, I should not have to ask permission to relocate the vehicle or for permission to sell/trade in the vehicle. 

The contract has several flaws but the most important is the fraudulent, printed name used as my signature on a legal document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: WA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-16 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: FL

Complaint narrative:
The current issue involves an incomplete and inaccurate credit report from TransUnion XXXX and XXXX, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from TransUnion 's XXXX and XXXX website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.

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 2024-07-16 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:
The current issue involves an incomplete and inaccurate credit report from XXXX XXXX and Equifax, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from XXXX 's XXXX and Equifax website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pay tomorrow and somebody took it out in my name and it was not me and theyre not paying on it

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 2024-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
Advertising as a " line of credit '' where the interest is charged on the front end. For Example : borrow {$100.00} get {$96.00} then you pay back {$100.00}, to get your full usable balance back. I've been making payments to them for months and essentially half my payments are just disappearing into thin air. The last 3 months I've paid about {$900.00} but my available credit limit is only {$470.00}. Total balance owed is about {$2500.00} max limit about {$3000.00}. The total interest fee 's owed should only be about {$130.00} total even when the " line of credit '' is maxed out, and isn't supposed to be recurring for holding a balance. When I talked to an agent they just gave me the run around and I asked to send the contract and they haven't yet. They were claiming there's " a separate thing '', and the additional contract " may have never been signed ''. It seems like they are charging an almost 50 % recurring interest rate, based on the math. Otherwise I'd have almost double the available credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are accounts and information on my credit report that is not accurate. 
They are unauthorized and show be removed from my credit report immediately. 

XXXX XXXX XXXX opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. 

XXXX  XXXX inquiry on XXXX XXXX  2024. This inquiry was done without my consent please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This account is from National Credit System a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now XXXX have resubmitted the account on my credit report and another account I have no knowledge of. 
National Credit System XXXX XXXX XXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-16 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
I have disputed this debt multiple times and I cant seem to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is not my debt anymore and it needs to be IMMEDIATELY removed from my credit report

Company response to consumer: Closed with explanation