vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I have recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( insert date. Always add month and year ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: OK

Complaint narrative:
In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXX name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX holder social number Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX ... ... ... ... XXXX XXXX. ..ALL ACCOUNTS ... ... ... ... ... ...... Has viola

ted my rights.

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2024-12-03 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: GA

Complaint narrative:
This is a formal follow-up to my previous dispute regarding inaccuracies on my credit report. Despite my efforts to resolve these issues, the following accounts remain inaccurately or fraudulently reported. I demand immediate action to correct these errors, as detailed on my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a formal follow-up to my previous dispute regarding inaccuracies on my credit report. Despite my efforts to resolve these issues, the following accounts remain inaccurately or fraudulently reported. I demand immediate action to correct these errors, as detailed on my letter.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
As a result of a federal injunction, my student loans were placed into forbearance as part of the XXXX program on XX/XX/year> ; I received a letter from my loan servicer that I would NOT be accruing interest while the loans were in forbearance. Today, XX/XX/year>, I received a notification that my loans would accrue interest during the forbearance beginning XX/XX/year> - and would account for the time I was placed into I was put into forbearance on XX/XX/year>. I shouldn't accrue interest in a forced forbearance and would like to have interest removed from my account until payments resume and forbearance ends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-03 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: LEXISNEXIS
State: MA

Complaint narrative:
I believe your actionsor lack thereofconstitute.

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Mass. Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
lam being taken advantage of by early warning and XXXX XXXX  these companies are violating my rights given to me by the fcra l did not open up any bank accounts these accounts were opened up fraudulent according to 15 usc 1681 ( b ) ( 2 ) my permission is needed for any person to access or furnish anything on my consumer report that permission was not granted by me not only are fraudulent bank accounts on my early warning and XXXX XXXX  being reported without due cause my right to privacy has been infringed upon due to these fraudulent and inaccurate accounts I demand that each fraudulent account be removed there is no way the banks can validate fraudulent activity due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a )

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Case number : XXXX Capital One froze my checking account on XX/XX/XXXX and closed it completely in XXXX. Capital One said it was due to fraud from an account that I had no knowledge of. They confiscated the balance in my account. I have called and requested information and was told they couldnt give my any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a CD account with Citi mobile. I have citi credit card and they were offering a CD for 7 months. I opened the CD and transferred money through the mobile app. I called in to let them know that I was not going to renew the CD and I wanted to transfer funds out. They told me that I needed to provide a security word, I never set up security word. They said it was my mother maiden name. It was not! They said that I needed to have a debit card in order to be verified. I don't have a debit card, I provided my social security # and credit card #. They said that won't work for CD 's you need a debit card. I don't have debit card, i only opened CD and want to transfer funds back to my XXXX XXXX XXXX account on record for transfers. I could not do anything. I sent the letter and they signed for it XX/XX/XXXX. The CD has 7 day grace period and it matured on the 27. I can not get anyone to tell me if I will ever get my funds. I am told that I need to drive to branch and show my drivers license. There is no branch in Arizona. 

I have no idea why they would allow people to open CD accounts, knowing that they can not transfer funds in the mobile app and if you call in you need a debit card in order be verified or have a passcode that can not be set up with CD.

I want citi to wire my funds to my XXXX XXXX XXXX XXXX per the letter I sent and they signed for.

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 2024-12-03 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: MO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number:XXXXAccount name XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX/account holder social number Account Name : XXXX & XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate

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 2024-12-03 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: OK

Complaint narrative:
In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number:XXXXAccount name XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX/Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXXaccount holder social number Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX a previous employee opened a CITI Bank Credit card in XXXX of 2023 While XXXX was out of the country. When he returned after he fired XXXX we did a forensic screening on the accounts and learned of additional fraud and the {$72000.00} paid to CITI Bank without knowledge. Reported in XXXX to close the account to Citi Bank and Citi Bank has left the account open for several month while XXXX continued spending on the card after we reported an issue. We have also sent a copy of the police 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 2024-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
My account was settled in full over 9 months ago XXXXXXXX XXXX XXXX ) with Credit Corp Solutions. At the time the account was paid in full there was an overpayment of XXXX XXXX I was told once the payment was received, I would get a refund for over payment with in XXXX weeks. I have been told multiple times the check was in the mail and also at XXXXne time it would be EFT back on my debit card during one call. To this date I have not received a refund after many attempts to try and collect the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-03 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : 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 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 XXXXXX/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