vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>, XX/XX/year> and XX/XX/year> I sent out letters on these days asking Equifax to remove inaccurate information from my credit file. They continue to report an address that has never belonged to me and continue to report a balance of {$12000.00} with a collection company XXXX XXXX that has been paid in full. I have submitted a letter from the company along with the receipt showing this has been paid on 2 occasions. They continue to ignore my requests and do not update/remove the information or send me an updated credit report as requested. I have also asked for the accounts that exceed the statutory time period of more than 7 years since opening the accounts be removed from my report. I have also asked for names of the sources that they received the information from and got nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was victim of a hostile account takeover in XX/XX/year>. My information was used against me in a fraud case and Citibank accused me of it being my fault. They took calls from someone who wasn't me and gave them my information so that they could get me to transfer them money. My debit card at the time was used at an office depot in Florida and fraudsters used this transaction against me. Since then, Citibank has refused to give me my money back and has blamed me for this incident. The amount of {$14000.00} was stolen from me and Citibank refuses to give me my money back.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX I made a payment of {$500.00} and it was never applied to my available balance. On XXXX I made a substantial payment in the amount of {$10000.00} via phone with a supervisor and confirmed the funds would be available immediately for use. The {$10000.00} was available via immediate use, but I was unable to use it because I found out that the {$500.00} had not been applied yet and was being held by CITI. I immediately called and asked to please release the {$500.00} from two weeks prior and they said they could not. A supervisor named XXXX XXXX ID # XXXX out of XXXX XXXX appeared to be assisting and said he called XXXX bank on the other end to verify that it had clear3ed my bank but that he was unable to XXXX way the call. I explained thrice it had cleared my bank on XXXX. He said not to worry that it was already automatically set to clear on XXXX. I explained to him I could NOT wait I needed the funds immediately and that the only reason I paid the $ XXXX was because I did not have my debit card and desperately needed to pay for material for repairs. I was currently and still am under a deferral with CITI bank through XX/XX/XXXX. They are also requesting payments and threatening me to be late. This was not to occur. 

I was NEVER able to use the {$10000.00} because when the {$500.00} was finally released they simultaneously reduced my credit limit from {$18000.00} to {$9100.00}! They completely took the $ XXXX I desperately needed for repairs! I truly suspect that the account manager XXXX had something to do with this because credit reviews and limit changes usually take place at the end or beginning of a new statement cycle and this just happened together with my payment and in the middle of the statement. This has never happened to me in 10 years and I have made chunks of payments here and there. I can not believe they did this during a hardship 60 days either. 

I called within XXXX hours of XXXX ask them to please cancel the payment and refund it. They said there would be an investigation and would take XXXX business days. On the XXXX business day XXXX I called and asked why I have not been refunded they said a letter was sent to me and that I had to respond. The letter asked if I still wanted a refund although doing so would result in me being over my credit limit. I said YES I desperately need the money for repairs. They said it would then take another XXXX business days and another investigation! It is now XXXX 6 days later and still not a refund. They said it would be refunded back to the original card. 

Please note I was promised multiple times my complaints were noted and never were.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have disputed this credit card account numerous times to no avail. They are fraudulently marking the account as delinquent due to payments being XXXX  days past due. I made a payment less than XXXX weeks ago on the XXXX of 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 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: MA

Complaint narrative:
Stupidly, in XXXX of XXXX I took out a business loan with BHG but never started the business. It was an {$87000.00} loan with a XXXX  month blackout period at {$1400.00} a month with XXXX due after 5 years. In XX/XX/XXXX I contacted them and they told me that they would release me from the loan if I paid $ XXXX, which I obviously dont have. At this point I have taken out a second mortgage on my house to help with the financial burden of this loan. I naively didnt realize that a blackout period was not standard in a business loan. XX/XX/XXXX I contacted them again about a negotiation and was told they dont negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I discovered inaccuracies on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this is negatively affecting my credit. I kindly request that all unauthorized hard inquiries be removed.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After going through my most recent credit report, I identified several accounts that I suspect were added without my permission and are wrong. I am requesting these fraudulent accounts be blocked and removed from my report at once.

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 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove these accounts from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am seeking your assistance regarding this incorrect account being listed on my credit report. This issue has negatively impacted my reputation, and I need your support to resolve it. Your mishandling of my report has greatly affected me, and this mistake has tarnished my reputation. You must take action to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause 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 2024-10-15 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CT

Complaint narrative:
After checking my credit report, I found some billing inaccuracies, including late payments that don't reflect my typical record. Kindly correct these issues and revise my account. 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexus with not allow me to update current personal information or delete false past inaccuracies on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: MI

Complaint narrative:
To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section.

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXX XXXX XXXX : * -- XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MI 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 2024-10-15 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-10-15 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I've found errors on my credit report related to 15 USC 16c-2. There are inquiries that I did not authorize, and this inaccurate information is affecting my credit negatively. Kindly remove all unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with non-monetary relief