vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is a liar. My account status is not 120 days past due. This account is paid in full. I will sue you you better fix what you messed up. Trans Union I am sending you receipts XXXX Im sending you receipts and XXXX. Im sending you receipts. You need to fix this or you will be fine for {$1000.00} per and fines. XXXX accordance  with the fair credit act XXXX XXXX card. has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NC

Complaint narrative:
HI I HAD EMAILED AND MAILED ALL THE PROOF, BUT AS OF XX/XX/XXXX, YOU ARE STILL ASKING FOR THE SAME PROOF I GAVE YOU 3 TIMES XXXX ARE YOU DISCRIMINATING AGAINST ME??? 
WHY DO I HAVE TO PROVIDE THE SAME PROOF OVER AND OVER??? 
I SPENT OVER XXXX A MONTH ON THAT CARD AND RARELY DISPUTED ANYTHING XXXX 
I'M SAD AND DISAPPOINTEDXXXX I PREPAID MY XXXX XXXX  USING POINTS AND CREDIT CARD XXXX  AT THE COUNTER, THEY REQUESTED A CREDIT CARD FOR INCIDENTALS WHICH I GAVE THEM MY CITI CARD XXXX  I WAS CHARGED AGAIN XXXX  I DISPUTED THE {$1700.00} CHARGE, BUT IN LESS THAN 24 HOURS, citi DENIED MY DISPUTE.XXXX .IT 'S NOT FAIR. I'M A GREAT CLIENT!! 
SEE ATTACHED PROOF of paid bill, duplicate charge THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )

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 2024-03-13 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: ID Analytics, Inc.
State: OH

Complaint narrative:
Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase Bank abruptly closed my XXXX XXXX XXXX XXXX account after accepting only XXXX payment transaction. They've withheld my funds and informed me that I would receive them within XXXX  days. Despite multiple attempts to retrieve the funds, Chase has denied my requests without providing any explanation or details. They have ignored my emails, letters, and even a communication from the customer involved in the transaction. This behavior is unacceptable, and I demand immediate resolution and reimbursement of the withheld funds. Furthermore, Chase 's actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) numerous times, exacerbating the severity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. XXXX XXXX Balance : {$13000.00}

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 2024-03-13 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
While reviewing my credit file, I noticed a fraudulent account.

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 2024-03-13 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-03-13 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : 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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
today i logged into my credit file to see KOHLS/CAPONE is reporting a debt of {$420.00} to credit reporting bureaus, i have never done business, signed any contract or documents with KOHLS/CAPONE or anyone they are collecting for, I do not wish to contract or do business with KOHLS/CAPONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
From the 2 previous compliant, I received communication from the bank ( TD Bank ) that the funds on hold needed to be claim by the maker XXXX XXXX XXXX ) of the check, therefore they wanted the maker to file a claim. Please see attached. And the maker of the check reply by stating that we needed to take it up with the bank ( Td Bank ) or the US treasury as the check had already clear their account and they could help me any further please find letter attached. Therefore we are still in a back and forward situation with no funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX regarding their handling of my loan account. Despite my payments being up to date, including any applicable late charges that were assessed and subsequently paid in full, XXXX XXXX  has inaccurately changed the payment status of my loan over XXXX times between XXXX and XXXX of 2022. This has resulted in significant and unwarranted damage to my credit report and score, which is extremely distressing and unfair.

The bank has repeatedly altered the payment status of my account, fluctuating between XXXX, XXXX, and XXXX  days late, then back to XXXX  days late, without any valid reason. Such practices are not only misleading and harmful to me as a consumer but also reflect a serious lapse in XXXX XXXX XXXX  responsibility and accountability in managing their customers ' loan accounts. 

I demand immediate correction of my loan account status to reflect its actual current standing, which is fully up to date. Furthermore, I request that XXXX XXXX  take immediate steps to rectify the inaccuracies reported to the credit bureaus, ensuring that my credit report is corrected to accurately reflect the true status of my loan payments. 

I believe these actions by XXXX XXXX  could be indicative of predatory lending practices, causing unnecessary financial and emotional distress to their customers. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and investigate these matters promptly. It is critical to hold financial institutions accountable for their actions and ensure they adhere to fair and transparent practices.

I am prepared to provide any additional information or documentation as required to support my case. I am seeking the CFPB 's assistance to rectify this situation and prevent further harm to my financial wellbeing.

Thank you for your attention to this matter.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance Corporation removed my active car loan account from my credit report on XX/XX/XXXX, while I'm still making payments and have another few months of lease. I've never been late, or missed a payment on my car loan. This has caused me a sudden " XXXX points '' drop of my credit score, and destroyed and ruined my credit, and caused me extreme distress and financial damages. I contacted them a numerous times and each time not only they were extremely rude and condescending, but also they kept passing me to different departments and none of them could tell me why they have removed my account, all they did was pretending that they have opened a case to reinstate my account and each time they gave me a different case number, which did not actually mean anything. They told me to wait maximum 30 days, for the account to show up on my credit report again. I waited and waited, and in the meantime I kept contacting them and requesting to talk to one of their supervisors, finally after I told them that I will file a lawsuit for the damages they have done, a woman named " XXXX '' who claimed to be a supervisor called me back. She also gave me some lame excuses for removing my account and told me that I am not the only one that they have removed their account, but she assured me that that they have reinstated my account and the latest the account should be back on my credit report by XX/XX/XXXX. All of them including her lied to me and it was a false promise. They have NOT reinstated my car loan account. Finally on XX/XX/XXXX, not only that active account with Honda was not added back to my credit report, but also they removed another account from XXXX, which was in good standing and caused additional drop of my credit score. From my understanding, Honda Finance Corporation has done this to many other people and from what I have heard, there is some sort of TAX BENEFIT for them when they remove people 's accounts. If you XXXX this issue and check the XXXX  site, you will find many complaints about the same issue with American Honda Finance. Some sort of action needs to be taken to hold these crooks liable for playing games with peoples ' credit, causing them financial loss and all sorts of damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : 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 2024-03-13 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: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation