vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This misinformation is not only damaging my credit score but is also causing undue stress and potential harm to my financial future. There are bunch of inaccurate information pestering on my credit report that were unacceptable.I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report, specifically the erroneous reporting of the accounts that is adversely affecting my creditworthiness. This situation not only jeopardizes my financial well-being but also raises serious concerns about potential identity theft. 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX- THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!!! 
XXXX XXXX, XXXX XXXX THIS IS FRAUD, PLEASE REMOVE!!! 
I demand an immediate and thorough investigation into the origin of this false and inaccurate information on my credit report. It is imperative that your bureau takes swift action to rectify this error and delete the inaccurate information entries from my credit history. The gravity of this situation can not be overstated, as it not only tarnishes my financial standing but also poses a serious threat to my identity. 
The inaccurate reporting of erroneous and incomplete information is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also an unacceptable breach of trust. 
The bankruptcy that is being reported to my credit report is inaccurate. The case that youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX  XXXX XXXX  XXXX  Reference : XXXX - PLEASE REMOVE!!! 
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXXXXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XX/XX/2022 PLEASE REMOVE!!! 
XXXX XXXX XXXXXX/XX/2022 PLEASE REMOVE!!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For more than a year now Equifax has been reporting a wrong credit score on my XXXX XXXX profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the Equifax site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on XXXX XXXX and doesnt even show on the actual Equifax site

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed that I had an account reporting that I did not give authorization to. XXXX XXXX is reporting that I owe them a debt. I can assure you I have never heard about XXXX XXXX, have for sure never signed any contract with XXXX XXXX to put my into debt with that company. I asked for proof of a contract I made with them regarding this debt and was provided none. I need this account removed asap or I will be filing a identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed that I had an account reporting that I did not give authorization to. XXXX XXXX is reporting that I owe them a debt. I can assure you I have never heard about XXXX XXXX, have for sure never signed any contract with XXXX XXXX to put my into debt with that company. I asked for proof of a contract I made with them regarding this debt and was provided none. I need this account removed asap or I will be filing a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I reached out to the original creditors as well as the debt collectors to verify the dates and the debt was never verified. Therefore, I would like to have this agency removed from my credit report immediately. I also reached out to all three bureaus and there was no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 sec 602 I have right to privacy15USC sec 604 states a consumer report agency may not furnish an account without written consent. 15USC 1681 ( a ) ( 5 ) no consumer reporting agency make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years please move this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian refuses to update my account balance with the correct information from XXXX XXXX account. The card company reported the balance to all credit agencies. My account statement and a letter from XXXX XXXX clearly shows that the account is closed and paid in full since XX/XX/, but Experian will not update the account, and are violating my rights to have accurate information reported to my account. This is unfair practices and I believe they have a personal issue with me and are retaliating via refusing to update the account. I have never experienced this before and is not sure what to do.

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 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Franklin Credit Management Corporation
State: MI

Complaint narrative:
They tried to collect on this loan after 16 years. I was told legally that we did not owe this and that we did owe.. I am so confused about this. I filed a bankruptcy 16 years ago and it was settled in court. Since then XXXX, Michigan in XXXX XXXX took over the house for 3 years and I went to court to get it back. How can they collect monies when they have been paid and this loan has transferred several times?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened up this checking account on XX/XX/2023, for the bonus promotion. The promotion I enrolled in is attached and states that I needed to deposit money within 20 days of account opening and keep that money in the account for 61 days from the XXXX day. However, I received an email stating different terms of the bonus than I signed up for. I contacted Citibank about this and was told that I was enrolled in the promotion which is attached. I fulfilled the requirements of the bonus and I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with Equifax for several months trying to correct wrong information on my credit report. Most of the information has been corrected except my information about employment. It was wrong, outdated, and they kept providing and disseminating it as valid information. They have excuse it by staying it was not considered for credit decision. It listed me as working for XXXX as a XXXX XXXX. XXXX went out of business and went into a receivership. Disputed this several times to no avail. Finally try to do it myself online but they require that CURRENT INFORMATION MUST BE PROVIDED. I feel I am not under any obligation to volunteer or give, or validate them any information, except my name, social security and birthday to access my file. At the point I apply for credit, I will provide that information to my creditor, not to them. If Equifax does not have any current or valid, verifiable information of my employment that field or piece of information should be in blank. Right now, it lists me as working for : XXXX, and in the position of XXXX. This does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a second-hand car with a loan from Toyota Financial Company through a Toyota dealer . I canceled my gap insurance. Toyota Financial Company customer service said the refund would be returned to my loan account, but I called today to inquire and they said the refund would be to Dealer, this is fraud. You said it would be refunded to my account, so I canceled it. Now I still pay for the loan, and you took away an extra amount of money,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within XXXX  System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the XXXX holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.

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