vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
CBNA Account # 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello on XX/XX/year> I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I am following up on my recent complaints via the Consumer Financial Protection Bureau ( CFPB ) regarding my request to remove several negative accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Sent this collector a notice about not understanding why they are reporting to my credit if I have never had an account with them - I still have not received anything from them to explain this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
After reviewing my Transunion consumer report I noticed a collection that shouldn't be reporting. The collection is from XXXX XXXX XXXX collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing Transunion as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding XXXX XXXX XXXX has 48 business hours upon receiving my dispute to stop any form of communication within the 30 day validation period. Communication being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. XXXX XXXX XXXX HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. Transunion also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to XXXX XXXX XXXX along with certification it was sent and the return receipt showing it was received also. Certification of my Transunion letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.

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 2024-05-02 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-02 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and car collection bureau of a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2024 attempted to login to my Experian account. This account has not been used in the last 7 years. I now have a new phone number. My email is the same. 

If I try to login with email, it asks for phone. I can not give old phone number ( XXXX ) because a code will be sent to the random person who now has my old phone. If I choose " try another way '' and give my new phone ( XXXX ) and social security number, it fails to send a SMS to the phone with a sign in PIN. The website simply says that the code was sent. I pressed " RESEND '' link several times, as well as repeating the process over and over again. I have tried several times for 45 minutes and never received a SMS text or a voice call. I also tried with my business number ( XXXX ) and did not receive a text or voice call. 

I also tried to login using XXXX and that failed too. The website displayed a pink banner that said something went wrong. 

So I telephoned XXXX. I am given two options : 1, " report fraud '' ; and 2, " ask for credit report ''. I just want to reset my password, so neither option is correct. I tried the " report fraud '' option, and although I was able to unfreeze my credit report ( which I needed to do ) I was unable to get a password reset. 

I also telephoned XXXX and had similar results. There simply isn't any way to get a password reset or to get a person. If asked if I want " something else '' the phone cycles back to " report fraud '' or " ask for credit report ''. It is maddening.

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 2024-05-02 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: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was not notified of any action or balance against my loan account. I was not provided with any communication ( Email, Call, official XXXX mail ) explaining that my vehicle was to be repossessed and that my account had gone unpaid on their side. I had used their provided payment portal through their phone number to process payments up to this point. I had only even been notified that my vehicle was repossessed after my roommate noticed it was not where it had been parked, and I called my financing company The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
XXXX- Account # XXXX This account should not be on my 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 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a loan for a bathroom remodel. The company is XXXX XXXX, but I believe they utilize XXXX Bank. I make the monthly payments. of {$150.00} until loan paid off. I received notice that IF I continue to receive paper statements, the company is going to add a charge of $ XXXX payment. I believe this is not justified : reason : I have visual impairment so I always use paper statements so I can track my expenses. I can not do online payments, or text via cell phone because of my poor vision. That is why too, you see the size of this font???? I need to continue to receive paper statements @ no charge so my impairment can be accommodated! Please intervene. XXXX ( because of my vision I do not know IF file I choose to upload is correct bill. Yet it has my account info.

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 2024-05-02 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:
The account that are in the file below along with the inquires that were made was not by me. I would like a specialist to analyze my report & to reach back out to this complaint in regards of the fraudulent activities that were made using my name. The addresses that are listed on the files isnt my address. I listed a proof of residence in the file below. I would like for me report to be investigated 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 non-monetary relief
Consumer complaint received 2024-05-02 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: AZ

Complaint narrative:
Dear : Credit Bureau Immediate Cease and Desist Demand for Identity Theft info Blocking - Under FCRA 605B, as the consumer demand the blocking of identity theft-related info of credit report, pertaining to All negative derogatory remarks, All. Unauthorized Inquiries, All unauthorized collections and " Student Loans '' pertaining to TRANSUNION, effective ASAP.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: GA

Complaint narrative:
While conducting my background check, XXXX vendor Checkr discovered the below case ( s ). In order for XXXX to evaluate my eligibility to provide services to XXXX customers on behalf them as my employer, they were reaching out to request additional information from me. Please note, XXXX follows all applicable federal, state, and local laws when reviewing background check reports. 

However, Checkr did not provide the accurate information to them as my employer and did not due any due diligence in providing my employer with the correct information nor did they confirm the social security number of the data file regarding a alleged XXXX  case. 

I have no XXXX  convictions on my record. I have a clean record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Ive never had a late payment. I filed a dispute to have this corrected and every time each credit bureau say that items are accurate and true. Please remove late payment from my credit 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name, date of birth and addressses and employment info are not correct on all XXXX credit reports.

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 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal Credit Union embarked on a website upgrade in XX/XX/year>. While I found the website to be less user friendly than it was before, that was not my major issue. I noticed a number of issues with all of my accounts ( I do the majority of my banking with them ) and immediately started calling and emailing them to correct the issues. Some were minor such as sometimes labeling interest as dividends or vice-versa and some were more serious and worrisome such as documenting a transfer to an outside company and documenting it to a totally unrelated and different company ( the only similarity was that they both had the word XXXX in the company name ). Other issues were labels that in my many days and years of having bank accounts I had never seen and when I called for information no one at the institution could tell me what these labels were either. There were duplicate transactions, transactions that showed as pending when they had already occurred and completed transactions that were pending. I have been reaching out through all of their communication channels since the first errors cropped up in XXXX and have documented each of them on multiple occasions. I was told last week once again that the errors would be corrected by XX/XX/XXXX and when I queried again that no changes had been made I was informed that they had no plan or intent to correct the errors that have been adding up since XXXX and would only correct errors going forward. Given that this is a financial institution and all of my banking information should be accurate and complete and the need for such impacts my financial well-being, taxes, etc., I am shocked that they are unwilling to correct their errors. When I have gone to XXXX of their branches, their employees just take down notes and tell me the problems are rampant and many customers are complaining ( I have heard the same thing from their customer support personnel and others who work there ). I would like NFCU to fix the problems the website has generated not just for me but for all of their customers and members. This is their business. I have started to gradually work to close my accounts and move my financial business elsewhere but NFCU is the largest credit union in the world and at the very least the information they provide to their customers and members should be accurate. No one seems to care or be willing to fix these issues and I would appreciate any assistance your agency can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation