vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-26 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

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 2024-05-25 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I want to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00}

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 2024-05-25 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I want to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$570.00}

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 2024-05-25 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: TX

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank made an unauthorized debit from my bank account in the amount of over {$9000.00}. Records show that I make payments of amounts under {$20.00} per day, and have never authorized a payment that exceeds the amount in my bank account. Citibank reps said their records showed that I had authorized it via my mobile app. Turns out, Citibank has access to my account and can make activity logs look like I authorized the payments ( most centralized banks do ). 

Citibank decided to abuse these privileges of being a centralized bank and debit money from my bank account such that it went down to XXXX dollars and went into thousands of dollars of overdraft. Thankfully my bank XXXX XXXX did not immediately release the payment to Citibank, and I was able to request a stop payment in time. XXXX XXXX also approved of my claim that the amount was not authorized by me because they saw the consistent daily payments to Citibank in the amounts of under {$20.00} per day, which didn't match the behavior of authorizing a payment of $ XXXX that would set my account to XXXX dollars and into overdraft. 

Per XXXX XXXX, Citibank 's actions constitute fraudulent unauthorized access and payment request, and the public should know about it. No bank is perfect, but at least XXXX XXXX was more organized and quick in its handling of the situation and restored my bank account by returning the funds back to my account. Citibank 's representatives are also badly trained to not care about the customer. Some of them do not transfer to the correct department and are very lazy and unethical, which is reflective of high up management. 

Even with AI, the organization, security and ethics will get worse, and I can how Citibank and other banks too might become lazier and more despondent as the people who work there depend more and more on AI, thereby getting XXXX XXXX XXXX adding to the increased entropy of disorganization, dysfunction, and corruption -- all AI assisted. 

Dependence on technology and AI without considering security and access controls from the inside of the bank may very well be the cause of the downfall of Citibank. Citibank deserves their fate and its impending doom, as NY attorney general XXXX XXXX and the hundreds of thousands of customers who lost money ( and have not been made whole ) through Citibank 's data breach ( probably from lack of insider access control ) and people like myself who have experienced unauthorized activity from Citibank itself are all aware that Citibank is the most unethical big bank of them all. Citibank is set to blame itself and they are now receiving tenfold of payback of the amount of nastiness, corruption, greed, and abuse they have committed against customers.

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 2024-05-25 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
Unauthorized inquiries appear on 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 2024-05-25 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: PA

Complaint narrative:
Kindly remove and block the incorrect accounts reported on my credit file. This needs to be addressed as soon as possible.

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 2024-05-25 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: LA

Complaint narrative:
I sent dispute letters XX/XX/year> and XX/XX/year> and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-25 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: SC

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them 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 2024-05-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them 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 non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
XXXX dispute XXXX of events XX/XX/XXXX XXXX from XXXX received. I called them and was told that my account was paid in full and that this was possibly a scam. I was directed to destroy the bill and disregard. Thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that my account was paid in full and that this was a possible scam. I was directed to destroy the bill and disregard thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that they didnt know why I was getting the bill that my account was paid in full was directed to the bill and disregard thats exactly what I did. 

XXXX XXXX XXXX from XXXX for {$110.00} received. I called XXXX and they told me that I did but they can not tell me what it was for. I paid the bill in full. They closed my account. After several calls, trying to find out what account was open for me and who opened it. I was told that it was for a service from a laptop that I purchased from XXXX store in XXXX. XXXX representative at the store place a {$15.00} reoccurring fee onto my laptop. I did not sign up for this charge. I never used it and they verified this once I called the XXXX store. XXXX acknowledged and told me I would receive the service. They told me at that time that I would receive a credit for the {$110.00} of which Ive never received. 

XX/XX/XXXX XXXX XXXX dropped from XXXX to XXXX. I was turned down for a construction mortgage by town bank in North Carolina. 

Over the course of the last 10 months I have spent over XXXX hours attempting to repair my credit and get this issues resolved. I asked XXXX XXXX attorney-at-law to get involved. He told me he sent XXXX a letter of which they never responded. I have called the credit bureau XXXX XXXX and they told me only XXXX can remove this disparaging report. Upon several calls to XXXX they told me they can not remove it because they can not find my account. 

According to XXXX XXXX and XXXX, my credit scores were XXXX with XXXX XXXX XXXX with XXXX and XXXX with experience on XX/XX/XXXX. But unfortunately, after applying with a different bank XXXX bank XXXX North Carolina, they told me that my scores were in the XXXX with XXXX XXXX and XXXX and XXXX with experian. 

I was told by XXXX XXXX at XXXX Bank to reach out both to XXXX XXXX and XXXX and have them remove the disparaging reports. I plan to do this today. 


This is XXXX. 

XXXX Bank report XXXX Bank report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Today on XX/XX/XXXX, I had a chance to look at this report and there ARE MANY INACCURATE things on this report that I DEMAND TO BE REMOVED BY XX/XX/XXXX OR I WILL SUE FOR {$100000.00} INCLUDING LEGAL FEES!!! THIS SITUATION HAS PREVENTED ME FROM GETTING A JOB, A PLACE, A VEHICLE AND I HAVE BEEN JOBLESS ALONG WITH HOMELESS SINCE XXXX WITHOUT ANY SUPPORT FROM ANYONE OR ANYTHING. I DO NOT ASK FOR MUCH BUT THIS INFORMATION IS NOT ACCURATE AND NEEDS TO BE REMOVED XXXX DOCUMENTATION HAS BEEN PROVIDED IF IT HAS IT WAS SHREDDED DUE TO MY EVICTION AND HOMELESSNESS!!! THIS HAS TO GO!! OR PAY {$100000.00} INCLUDING LEGAL FEES

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 2024-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Back in XXXX I was let go from and thus unemployed for the first time in my life and made sure to contact Navient to update that I could not pay my school loan. I was told by a Navient loan agent XXXX XXXX ( if thats even her true name ) that I could apply to the XXXX XXXX Loan forgiveness. I did exactly what I was told. I was then informed that I was approved and had to apply for Loan Forgiveness & Consolidation Application ( I have the paperwork for this ). I was informed that if I made a first payments of {$380.00} XX/XX/XXXX and make {$59.00} payments for XXXX months through that my loan would completely be forgiven. XXXX XXXX gave me her direct line and the number to get in contact with any concerns and questions. I was also informed that the payments would not show up in Navient until my last payment. My last payment was supposed to be XX/XX/XXXX. Since XX/XX/XXXX to XX/XX/XXXX, I have been making automatic payments from my bank of {$59.00}. I received monthly emails and text when I made payment and reminders from XXXX I can print and scan those documents if needed. Back in XXXX I received email form Navient that I was to be transferred to XXXX, I had made multiple calls to them and was never able to reach anyone. I wanted to ensure that my forgiveness loan was ok. I had reached out to XXXX XXXX whom I thought was from Navient through her direct line and was informed that my forgiveness loan was safe. To continue to make the payment until XX/XX/XXXX. I called this week on Tuesday and there was a weird voicemail and the other numbers from the emails that I had reached out and it sounded like a marketing voicemail. Which had me worried. I reached out to XXXX and Navient, XXXX and finally was able to speak to agent someone and was informed that is sounded that the payments made was a XXXX party and that they do not utilize XXXX parties and that I was most likely scammed. I was informed by Navient that there has been a significant amount of scams using their logo and even creating websites looking like their websites XXXX XXXX. I was advised to report this to Consumer Financial Protection Bureau and to reach out to Federal Student Aid and report this matter. I have communicated to my bank to stop any further automatic payment and hopefully get compensated. I am currently working on printing and scanning documents to be able to send to Federal Student Aid and to CFPB if you need more information ie., bank statements, emails, etc I can send to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: PA

Complaint narrative:
Kindly remove and block the incorrect accounts reported on my credit file. This needs to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting Under the Doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-05-25 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:
Victim of Identity theft. 
Defamation of Character & Failure to properly investigate

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 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/year> I opened a Fraud claim to my bank for some transactions made in XXXX I noticed fraud on my account for transactions made with my XXXX debit card XXXX, I noticed this on XX/XX/XXXX and I proceed to lock the card at the same moment through the online banking. The total amount for the claim was {$65000.00} On XX/XX/year> the bank sent me a letter saying that they cant process the fraud claim saying that my card was present. 
This was fraud due " card lost '' so its impossible that the transaction were authorized using the pin. Also I never set up a travel alert to XXXX on the app or calling the bank. 
The bank didnt follow the rules for the transfer act and regulation E and Z.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks 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 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly remove and block the incorrect accounts reported on my credit file. This needs to be addressed as soon as possible.

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