vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I try to sign in to them and they keep saying I cant be identified. I never told them to put and freeze and a announcement that my report was reported fraudulent to where I cant get in to change it they keeping me locked out and they still havent allowed me to access my report that is being reported fraudulent. And how they offer me loans and cards that they know I wont get even tho they say its tailored to my low score to possibly be able to receive and I dont then they drop my score knowing Im not going to get 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I try to sign in to them and they keep saying I cant be identified. I never told them to put and freeze and a announcement that my report was reported fraudulent to where I cant get in to change it they keeping me locked out and they still havent allowed me to access my report that is being reported fraudulent. And how they offer me loans and cards that they know I wont get even tho they say its tailored to my low score to possibly be able to receive and I dont then they drop my score knowing Im not going to get 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 2024-06-27 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: NY

Complaint narrative:
There are fraudulent accounts and inquiries on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.

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 2024-06-27 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: NY

Complaint narrative:
There are fraudulent accounts and inquiries on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had XXXX XXXX XXXX credit card and when I originally made the purchase on the credit card but was declined. I then applied for a new credit card and was granted credit. I went to pay on the original balance of the card and somehow the payment went to the old account. I kept receiving statements, so I called to see what was going on with the card and they said I had not made a payment. I then paid the balance in full and the representative stated I should have received a refund of funds for {$160.00}. I let them know I did not receive funds for {$160.00}, so they requested a refund for me. 

I then received XXXX checks, XXXX that was cashable, the other is not cashable. I cashed check number XXXX. This check was due me and I cashed this check. 

I also received check XXXX which is not cashable and is over the 180 days in order to cash this check. This is what they are now charging me for on my credit card statement. I have spoken to them and they are stating it is too late to fix this and because I received funds, whether I cashed the check or not, I have to pay for this check plus late fees and it is going to collection ... and it is on my credit report. 

I do not know why they did not cancel the original refund or why I received both checks around the same time, however only XXXX check was cashed. The lady stated they do not have a way to check with their bank to verify if the other check was cashed or not, therefore, they assume I cashed it. 

I have attached copies of both checks and copies of statements including the one where it shows I am being charged for the refund. The check on the XXXX was the check that I cashed. The check dated XX/XX/year> was not cashed. I was originally due a refund for {$160.00} and I received a refund of {$160.00}. They never cancelled the original check. 

Can you please assist with getting this mix up resolved?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is a public record on my XXXX, TransUnion and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, XXXX, TransUnion and XXXX validate this debt and none responded to my letter. XXXX certfied mail # XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year>

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 2024-06-27 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am so deeply disappointed that to this day, I am still begging for these accounts to be removed. It's not like I just made up these accounts, but these are not 100 % verified and are uncertified. It affected me so bad mentally that I can not even afford my own therapy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: NC

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. 

XXXX XXXX accountt number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX acct number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX no account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX account number XXXX no account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX  XXXX account number XXXX no account number XXXX XXXX no account number XXXX XXXXXXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the accounts are still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
FCRA 605B obligates you to remove any incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in the reporting, amounts, and dates for some listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I moved to Texas in XXXX as I got married. I tried to get a bank account in my area with my new husband. I was denied through XXXX. When I got their report, I found out that Credit Karma has been putting in inquiries on me for probably a year. I have tried and tried and tried to contact Credit Karma via their webisite and help site and looking at off sites to try and get a phone number to reach them to find out why I have that many inquiries to attempt to dispute them and I absolute CAN NOT, to save my life, reach this company. How can I fix my credit with XXXX if I don't even know why I'm getting inquiries from them on my XXXX report? The latest inquiry shows XX/XX/XXXX and the earliest is XX/XX/XXXX. So they have been putting in inquiries on me from XX/XX/XXXX to XX/XX/XXXX monthly. And I have not given them authorization to do so. Please help me. I just want to find out why and fix it so I can get off the XXXX reports. I have a XXXX XXXX XXXX with all the other major reporting agencies. No credit card debt or private loans and I'm currently getting ready to start paying on my XXXX loans which is the only debt I have left to pay off. Please, please, please help me. I'm working diligently to be a productive and responsible person. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
These inquires listed are fraudulent unauthorized inquires. I have requested them to be removed and sent letters. There has been no response. Please remove these immediately as it is hurting my credit. 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 2024-06-27 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
Under FCRA 605B, you are required to remove any incorrect accounts from my credit report. Please review the documents as some accounts are inaccurately reported, with wrong amounts and dates.

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 2024-06-27 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:
In compliance with FCRA 605B, incorrect accounts should be removed from my credit report. Can you examine the documents? Some accounts have inaccurate reporting, amounts, and dates.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-27 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-27 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BR & CA Finance Corp
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid.

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you.

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete.

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Copy of identification

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation