vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified XXXX, XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXXXXXX XXXX XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with XXXX on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine XXXX ID theft victims. 
I did more than XXXX calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed.

Account overview Credit Close-UXXXX XXXX XXXX XXXX XXXX Unsecured Loan {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy

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 2023-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX CONSUMER ADJ CO Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor.

* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

1. ) XXXX XXXX - XXXX # XXXX 2. ) XXXX XXXX XXXX XXXX- XXXX # XXXX 3. ) XXXX XXXX XXXX XXXX # XXXX 4. ) XXXX XXXX XXXX XXXX- XXXX # XXXX 5. ) 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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have fraudulent inquiries on my Credit Bureau Report with Equifax as well as XXXX. However, in this report we will address Equifax specifically. I've reached out to Equifax Credit Bureau in regards to XXXX XXXX Inquiries on my file. I have not applied to any of the following XXXX XXXX : XXXX. XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX Equifax refused to remove the Fraudulent Inquiries unless I submitted a complaint with you guys, but I called a couple days prior and the representative I spoke with advised the inquiries would be removed within XXXX hours, but they were not removed. The representative even provided me with a confirmation number to confirm they will be removed : XXXX Please advise and get the fraudulent inquiries removed off my Equifax Credit Report at your earliest convenience. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Equity National Title and Closing Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

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 2023-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a long banking relationaship with Citibank that includes a Checking, Savings and several credit card accounts. 

When I applied for a Citi Wealth Management I discovered that Citibank has my citizenship information recorded incorrectly. I am a XXXX XXXX who is a Permanent resident. Although Citibank has copies of my passport, they have me recorded as a XXXX XXXX. Citi Wealth asked me to contact the banking arm of Citibank to have this corrected in their records since they use the same identification database. 

On XX/XX/2023 I contacted the Citibank customer service line to request this correction be made. However, I was told by a CSR, and then by a supervisor, that they are unable to make such a change. Particularly : 1 ) I had to wade through a multitude of prompts and holds since none of the options on their phone menus were about updating or correcting account information. After about 10 minutes of holds and transfers I got connected with a CSR.

2 ) The CSR could not understand the difference between a resident and a citizen. After consulting his manager, he wanted to send me a W8 from to fill out. I pointed out that W8 is for non-residents, and that for US persons a W9 is used. He offered to send me a W9. I pointed out that they already have a W9. He confirmed. However, he was still unable ( or unwilling ) to make the correction. I asked to speak with a supervisor. 

3 ) A supervisor ( name given was XXXX, ID # XXXX ) came on the line and after I explained the situation he informed me that what I am asking is " not possible '' and that I would need to take my " XXXX '' passport to a branch. After explaining to him again that I am a XXXX XXXX who is a permanent resident of the XXXX, he claimed that my status as a " XXXX  '' in their system is correct and that there is nothing they can do about it. He claimed that making a change would amount to " lying ''. 
After about 5 minutes of arguing, I asked to be transferred to another perosn. He said his manager " XXXX '' is busy and will give me a call back soon. When I asked about how to report a feedback or lodge a complaint of this customer service experience, he said I need to write a letter. have it signed and notarized, then send it via registered mail to Citibank. Clearly making it onerous for me to report my dissatisfaction. After hanging up, I waited for 24 hours but never received a call back from " XXXX ''. 

The issue is still unresolved. Citibank is basically violating IRS rules by maintaining false data and refusing to correct the information in their system and their employees have no training to understand or apply these rules.

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 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Commenity Bank calls every day of the week including Sunday. They call all day long back to back. I have gotten in trouble at work for my phone repeatedly going off. I have had to silence all calls coming in to my phone unless the number is in my XXXX just so I can keep my phone on. XXXX cant record videos or take pictures as soon as I do, one of their calls comes through and stops it. I have told them before that calling that much is harassment. I know I need to pay and Ive apologized to them stating I extend to make payments and I do when I can I am just in a really bad spot financially and cant make the full payments right now. I dont know what to do to get them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have inquiries on my transUnion, XXXX, and XXXX credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve 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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have inquiries on my transUnion, XXXX, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief