vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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:
I am writing to file a formal complaint against Equifax for incorrect information recorded on my credit report, specifically concerning unauthorized hard inquiries that have potentially damaged my credit score. These inquiries are as follows : XXXX inquiries from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, dated XX/XX/XXXX, and XX/XX/XXXX ; and XXXX inquiries from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, RI XXXX, dated XX/XX/XXXX, and another at XXXX XXXX XXXX XXXX XXXX, CT XXXX, dated XX/XX/XXXX. I have not authorized these inquiries, nor have I engaged in any financial transactions with XXXX XXXX XXXX or XXXX XXXX  that would justify these hard pulls on my credit report. These erroneous entries have not only lowered my credit score but also may affect my financial opportunities. I request that Equifax investigate these entries immediately, correct the inaccuracies by removing these unauthorized inquiries from my report, and provide me with a revised credit report post-correction. I trust that the Consumer Financial Protection Bureau will assist in ensuring that my credit report is accurate and reflects only legitimate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: SC

Complaint narrative:
I'm a victim of identity theft I uploaded documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: SC

Complaint narrative:
I'm a victim of identity theft I uploaded documents

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted the disputes on XX/XX/XXXX and I still have no reply.

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 2024-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Branch I visited on XXXX XXXX XXXX XXXX on XX/XX/year> the branch manager and teller XXXX XXXX had the worse attitude and customer service. Teller didnt follow the due diligence and flagged my account without trying to verify with me. All because I brought an old debit card since I never used debit card. Then the manger lied to me told me its back Office fraud department that blocked my account. I believe I was treated differently and discriminated due to my race. Id be contracting the XXXX community and need to share this frustration I encountered I had at Citi bank I had to visited local branch 3 times to close account. along report this matter to the authority.

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 2024-05-03 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: TX

Complaint narrative:
Company refuses to give me a monthly statement. They put me on XXXX Statements but no longer offer a pdf of the statement. Only offer XXXX spreadsheet. I am entitled to a monthly statement.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account im asking you to verify as accurate : account name is XXXX and the account number is XXXX, also the inquiries on date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has cheated me every time I've used their limited cash back as account credit promotions. The most recent event was for a purchase made XX/XX/XXXX from shopping partner XXXX XXXX. 
They also tried to get away with not honoring similar promotions on purchases ( XXXX XXXX  ) made XX/XX/XXXX and on XX/XX/XXXX with a purchase from XXXX XXXX XXXX  XXXX. 

It is clear to me that this pattern of cheating customers is repeatable and predictable to the point where I now take many many screen shots and mark a future date in my calendar to call them back ( after 3 statement cycles ) when the cash back does not post on my account.

Over the years the customer service reps. have become less helpful, telling me on several occasions that the merchant only allows certain items, or trying to fault me for not meeting the requirements, even when I can demonstrate with screen shots that I did everything properly.

Clearly the executives who design and implement this program are aware that is fraudulent and they have worked with others inside and outside the company to make sure that they only pay out to stubborn customers who refuse to give up. In the latest experience the supervisor did not even bother to apologize. I am expected to write and print a letter, put it in an envelope and pay for postage to send my complaint to Corporate, where I can expect ( at most ) a form-letter reply at some distant future date. Here are my notes : XX/XX/XXXX cheat me phone notes phone call start : XXXX phone call end : XXXX XX/XX/XXXX 11 % cash back as statement credit offer After 20 minutes XXXX ID XXXX XXXX tells me I will be receiving a $??.?? credit in 7 to 19 business days on my account. 

XXXX transferred me to the wrong dept. before I got this XXXX who did not understand what a dashboard is, until he read me another long paragraph which used the word dashboard. 

Every time I use one of these 10 % cash back offers they cheat me. Holding now to speak with supervisor. XXXX can not issue a credit to me for frustration. I ask her for the corporate address to pursue this further. It is Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Include the last 4 digits of my credit card in body of letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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:
Ive been in communications with Transunion about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. They are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2024-05-03 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Experian.

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 2024-05-03 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: NY

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 2024-05-03 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on my credit file. 

XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES ACCEPTANCE NOW Account Number XXXX XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES XXXX Account XXXX XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX  XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXXXXXX Account XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX MI XX/XX/XXXX Please remove all non-account holding and unauthorized inquiries over 30-days old. 

Please send, via postal mail, the changes to my credit report that have been made or attempted within 14 days of this notice, the changes should be the removal of accounts and inquiries fraudulently placed on my credit report that are listed in this letter, my affidavit of truth, and my FTC report. Once again, this has not been sent in error, and is not a misrepresentation of anything. I am fully capable of settling disputes and informing the federal courts about my issues with XXXX, the credit reporting agency. 

Thank you for your cooperation Signature XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
XXXX XXXX contacted my spouse after finding his number through alternative sources. They would leave messages on both of our phones like 'Good afternoon. My name is 'collector ' and I am contacting you in attempt to confirm location information for 'my name '. '' On several occasions 'collector ' spoke to my spouse. XXXX time I spoke with on my partners phone with my partner in the room, not hiding anything from him, but not giving her permission to speak to him. On XXXX  XX/XX/XXXX, 'collector ' spoke confirming I have a debt with their agency, who the debt was with originally and that I had not set up payment arrangements. Even after being asked to not discuss anything with him, she kept calling him at all times of the day and night. I spoke today with the company and I demanded they remove his number from their system. I also was told that it is ok for them to talk about your account information with spouse and family members. I asked for information on their company 's policy and I was told I would have to talk to a supervisor who conveniently was in a meeting. I am not a happy person right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: MS

Complaint narrative:
Inaccordance 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2024-05-03 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: MS

Complaint narrative:
Inaccordance 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-03 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Concerning credit card XXXX XXXX XXXX XXXX XXXX Fidelity aka Elan Financial Services aka US Bank. 

Elan Financial Services is not reporting my correct balance information to XXXX or XXXX. The information XXXX has is incorrect as well, but more current than the other two agencies who still have my balance as {$15000.00} ( which it was in XX/XX/XXXX ) as opposed to {$14000.00}, which it has been since my last payment on XXXX XXXXXXXX XXXX. XXXX is at least reporting my balance as {$14000.00}, which would have been true as of statement ending date XX/XX/XXXX. My grievance is their reporting to XXXX and XXXX. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} and not {$15000.00} as they were reporting ( and are still reporting the same today ). On XXXX they responded to them on XX/XX/XXXX that XXXX confirmed my balance was indeed {$15000.00} and closed my dispute. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} ( which it is now ) not {$15000.00} as they were reporting ( and are still reporting the same today ). On XX/XX/XXXX XXXX reported results their information was confirmed by Elan Financial Services on XX/XX/XXXX that my balance was indeed {$15000.00} and closed my dispute. XXXX told me if I disagreed with their findings contact " the entity that originated the information. '' On XX/XX/XXXX I called Elan Financial and lastly spoke with a supervisor named XXXX who tried to argue with me that they were reporting the correct information on a monthly basis, and I needed to submit my complaint in writing. So, I am submitting my complaint in writing here.

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 2024-05-03 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief