vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
***ADVANCE FINANCIAL*** Whenever I ask for my remaining interest that is owed to me they always write it down in pen as opposed to showing it to me on a printout. So when I ask for an explanation as to how the interest is calculated Im not given that amount on the print out.

If I owe back interest based on the previous months activity I expect that to be detailed on the printout when I make a payment.

When they write it down the number appears arbitrary and leads me to believe there is something wrong happening.

Also it was never explained to me that I have two billing cycles per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NC

Complaint narrative:
I believe FCRA 605B mandates removing any incorrect accounts from my credit report. Could you please verify the documents? Several of the listed accounts have inaccurate reporting, including inaccurate 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 2024-05-29 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
The loan was setup through XXXX, a contractor of XXXX XXXX ; and the payments were setup on autopay to draft from our account. One of the autopay payments happened to bounce ; but we didn't catch it right away, assuming it would be re-tried. It wasn't. Ever since, we have been trying to figure out how to catch this payment up. They never gave us an account number, all the documentation had it partially X 'd out ; so we are unable to create an online account to update anything or make an additional payment. They started sending us past due reminders, again, with account number X 'd out. Any validation we try to do, asks for our account number... we try calling to get our account number, but they won't give it to us - someone even said that they can't give it to us, because our account is past due! We asked how are we supposed to make the payment then ; they ask a bunch of questions about the loan, then say they will contact us back- they call husbands number, go through all the questions, then say they can't provide because he is not " me ''. They call again, go through the run around, and then again say they can not give us the account number because account is past due! ( it is only behind one single payment ; a payment that bounced due to an unexpected expense and poor timing ... a payment that if they had re-tried again, would have gone through ). They say they can not take our payment info over the phone or give us the information we need to correct on our own ; but yet they are harassing us over this missed payment.

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 2024-05-29 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: GA

Complaint narrative:
A collection was placed on my credit report couple months ago, after calling the collection company I found out that an account in New Mexico was opened at a gym, Ive never ever been to New Mexico. I also found out that there were other fraudulent activities on my report. Ive filed Identity fraud theft at my local police department. I see that there is more inquiries on my credit report that I have no knowledge of. Inquiries from XXXXXXXX XXXX XXXX XXXX. I have no knowledge of these inquiries. Ive since placed a fraud alert on my report. There are XXXX inquiries that I dnt recognize. Also student loans reporting that is not mines. An address in New Mexico is being reported as my address, Ive never lived in New Mexico.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
A collection was placed on my credit report couple months ago, after calling the collection company I found out that an account in New Mexico was opened at a gym, Ive never ever been to New Mexico. I also found out that there were other fraudulent activities on my report. Ive filed Identity fraud theft at my local police department. I see that there is more inquiries on my credit report that I have no knowledge of. Inquiries from XXXXXXXX XXXX XXXX XXXX I have no knowledge of these inquiries. Ive since placed a fraud alert on my report. There are XXXX inquiries that I dnt recognize. Also student loans reporting that is not mines. An address in New Mexico is being reported as my address, Ive never lived in New Mexico.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. Account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I didnt open this. This is fraud See other complaints for reference number

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 2024-05-29 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: MD

Complaint narrative:
I didnt open this. This is fraud See other complaints for reference number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I didnt open this. This is fraud See other complaints for reference number

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Hard inquiry appeared from somewhere called CB Indigo. The # provided on the credit inquiry goes to a call center for Indigo CB/Genesis card services. It then transfers to another line stating it's a debt collector. I asked the agents what the place was I was calling and they kept asking for more information from me and would not confirm. I mentioned the hard inquiry and being unsure as I haven't applied to anything for CB Indigo. They all would then transfer me to a " fraud department '' and the line asks for some sort of agent code then disconnects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: WA

Complaint narrative:
I was told by Edfinancial on XX/XX/XXXX that I would need to make a manual payment on XX/XX/XXXX, but that autopay will withdraw your full next month 's payment. That would have been XX/XX/XXXX, Edfinancial did not withdraw that payment on said date. I was informed on XX/XX/XXXX that I had a delinquency notice because my account was 3 days past due, which caused {$730.00} of capitalized interest to be added to my principal balance on XX/XX/XXXX ( one day after my autopay was supposed to start ). I have asked for this to be reversed because I was told my autopay was supposed to start on XX/XX/XXXX according to Edfinancial customer service. They have not responded to this request. I have also inquired for my autopay XXXX % discount to be instated and reflected on my statement. I was told on XX/XX/XXXX that it activated on XX/XX/XXXX, but I still do not see any record of this discount being applied to my payment. I have also inquired about billing for this period XX/XX/XXXX to XX/XX/XXXX. My autopay amount is {$340.00}, however according to this statement only {$230.00} was due and one of my loans ( XXXX ) did not get a payment put towards it. I have inquired as to why and not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Opened and set up account with Marcus by Golden Sachs in XX/XX/2024 Account was locked in XXXX, unable to transfer money out to linked accounts The bank ( Marcus ) said its because it was funded wrong so all funds need to return to source account ( Chase business account ). I authorised them to do so, bank mentioned itll be 1-3 business days. Called back after XXXX business days as money was not transferred. 
Bank says the transfer was reversed because amount was incorrect, they can only approve the transfer if only the amount that was funded from the source account ( XXXX XXXX ) returns to XXXX and remaining to another link personal account ( XXXX ). The agent calculated the amount that needed to return to XXXX ( source account ). I authorised the transfer ( ACH ). Agent says 1-3 business days. 
Did not receive funds in account, Transfer reversed again, called again and asked for them to close account and have all funds returned. I authorised all funds to transfer to linked account ( XXXX ). Waited XXXX business days, Transfer reversed again. 
Called back XXXX XX/XX/2024, agent says we need to do wire transfer and only transfer parts of it to source account and remaining to linked account ( XXXX ). I authorised the wire transfer, waited XXXX days. Transfer request reversed. 
This has happened multiple time, I called to close account and have all funds returned to me. 
XXXX XX/XX/2024- called as transfer was reversed again. Agent said it was reversed due password change, this was incorrect as I never changed the password. Was on the phone with multiple departments ( security department, front line department ) escalated case to supervisor. The agent on the call keeps telling us that nothing will stop the transfer and is confident that it wont happen again. Requested a call back from herself, and agent refused. I offered options, but bank said they can only keep trying the wire /ACH transfer or send me a cheque, I am overseas, unable to do receive the check. Requested a case to be opened on my account and someone to follow up. Agent refused.

Marcus is holding onto my honey hostage and this has been going on for a month. I have not been able to pay for my bills, expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern I have these closed accounts with the following banks closed accounts. XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX closed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX closed on XX/XX/XXXX, XXXX Closed on XX/XX/XXXX, XXXX XXXX XXXX Closed on XX/XX/XXXX and XXXX XXXX Closed on XXXX XXXX, XXXX. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.

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 2024-05-29 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: NC

Complaint narrative:
I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief