vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: NC

Complaint narrative:
The debt collector has repeatedly " refused '' to comply with governing law and has ignored all my previous letters to them. So I am engaging the CFPB in the process so that it can closely monitor whether or not the debt collector complies with the law this time or continues to refuse to comply by ignoring my request fro information I have a lawful right to request. The CFPB must do 2 things in my case : 1 ) compel the debt collector to produce the validating information - certifed mail receipt that it sent notice within the timeframe the law requires, and 2 ) be expedient this time. The debt collector eith has the information I'm requesting as valid proof, or it does not. It only takes 24-48 hours for them to respond to my request, given its nature, not 60 days. The debt collector can not skirt the law this time and I urge the CFPB to pay close attention to the behavior of the debt collector and be prepared to sanction and penalize them, ans I as well will pursue legal action, as their nonsense has gone on too long. A refusal to ignore the law, and not comply is a very seroius matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
I am writing to formally dispute late payment remarks continuously appearing on my credit report. Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.

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 2024-06-24 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:
XXXX  XXXX has violated my privacy by posting false information to Equafax about a closed account by connecting a closed and settled account with a fraudulent account that has been disputed and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the credit companies about my address and name as well as social security numbers that are incorrect and still there has been no change. 
I also have late payments on accounts that has been paid in full.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to the credit companies about my address and name as well as social security numbers that are incorrect and still there has been no change. 
I also have late payments on accounts that has been paid in full.

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 2024-06-24 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: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: OK

Complaint narrative:
I scheduled to make a payment to Citi bank on line at the end of XXXX the current balance at the time was {$810.00}. When I received the paper statement for that month the balance was {$820.00} so, went on line and modified the amont on XX/XX/XXXX to {$82000.00}. Later on my bank acount I noticed that both amounts were debited from my account for the amount of {$1600.00}. I called Citi and was told that they will be mailing a check, as of today XXXX, I did not received a check. I called the credit card company and asked to be compensated for holding my money for a month, did not get a positive responce they did not even acknoleged the error in the software on the website. When I am late with a payment get late payment fees and interest fee but they can hold a customer money for a month without impunity. I am wondering some times if this progaming errors are not intentional.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I found a lot of incorrect information on my consumer credit report with Experian. They had 24 incorrect addresses and 5 incorrect names. They also only had a year for my birthdate.

I asked them to please remove the incorrect information and they refused stating that is was their policy to keep outdated information on their report. I told the the consumer laws state that they have to remove any incorrect information and they refused. Please help me in getting them to remove the incorrect information. Please see the attached document.

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 2024-06-24 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: TX

Complaint narrative:
I found out that my ex boyfriend used my infirmation to open up a XXXX XXXX. He had access to my information because we lived together.

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 2024-06-24 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: TX

Complaint narrative:
I found out that my ex boyfriend used my infirmation to open up a XXXX XXXX. He had access to my information because we lived together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother was being charged every month for a service she never needed, after 5 years we received a letter stating that her account was being charged a monthly fee, we received a letter stating that the check hadn't been cashed yet, however she never received the check. The amount was XXXX so I contacted Wells Fargo and they said they were going to reissue the check again, however never received the check still been waiting

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 2024-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX opened up a new CD online with Marcus Bank and funded from a Savings a/c also from Marcus. I then called to have this new CD made Joint Tenet as I have done in the past 18 months. The Customer Service Rep informed me that the joint tenet must be added at the time it is opened up. I told her that I was not prompted or saw any info regarding this new procedure which she said had just started. The rep tried to add the joint tenet as was unable. Then she told me to go back online and open up a new one. 
She walked me through it and I could not open it with a joint tenant. This one was not funded. 
The rep then opened a third CD on her end and added the joint tenet. She then asked me to fund it. I tried to fund it and was unable so she was able to fund it from my savings. 
However, when complete there was NO JOINT TENENT added. I told her to put my funds back to my savings account. She saids she would have to open up a special ticket so NO Penalties will hit your account. She said within 48 hours it would be rectified that there was some kind of glitch and a supervisor would contact me on XX/XX/XXXX. On XX/XX/XXXX at XXXX I called into Marcus the Customer Service Rep said he can add the Joint Tenant to the account. 
He was unable to add the information. Supervisor came on phone said my funds would hit the account on the XX/XX/XXXX. No funds have been retuned to my account. XXXX In the afternoon phone rings from an XXXX number no caller ID. I answered and it was Goldman Sachs on a recorded line. Supervisor returning my call from XX/XX/XXXX saying sorry for the confusion and your funds will be back in your account on XX/XX/XXXX. Everyone telling me this and to no avail. Just lip service. 
Either XX/XX/XXXX or XXXX I called got another Customer Service Rep and asked for a Supervisor. She read the log and said my funds would be back in my account on Saturday XX/XX/XXXX. As of this date XX/XX/XXXX NO FUNDS in my account. Called today Customer Service Rep got me a Supervisor who said they have no idea when the funds will be back. She opened up a new ticket for some internal department to handle this within on to three days. Asked for Corporate phone and email and was denied. 
Also, I asked for an email stating when my funds would be retuned and was told they are unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
already try to fix this issue whit colector and bureaus but they don't do nothing i sent them XXXX  times letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Phone : XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-06-24 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint against Affirm , Inc. and XXXX for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to Affirm, Inc. on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : Affirm, Inc. and XXXX are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. Affirm , Inc. has reported my information to XXXX without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to Affirm, Inc., as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. Affirm , Inc. has failed to honor this request, and XXXX has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require Affirm, Inc. and XXXX to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-24 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: CA

Complaint narrative:
i have been trying to remove these accounts from my credit report since last year. i did exactly what they told me to do and 6 months later im still working 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 2024-06-24 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: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-24 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 am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

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 2024-06-24 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: IL

Complaint narrative:
I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

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 2024-06-24 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 am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

Company response to consumer: Closed with non-monetary relief