vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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 have discovered inaccurate, unauthorized, unverifiable information on my credit report, I have asked Equifax according to my rights from the FCRA to remove this information and they have refused. Further I spoke with a supervisor on XX/XX/23 who advised me to file a complaint with the FTC.GOV and they would remove as soon as I uploaded the report. I uploaded my original complaint, and they immediately sent me a dispute letter stating that inquiries are factual information, and they will remain on my report. They are all liars and give consumers the complete runaround are of no help with helping the consumer maintain a true and correct credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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, 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 non-monetary relief
Consumer complaint received 2023-10-05 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: CA

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

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 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, 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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank aaadvantage credit card. Applied for the citi credit card, application declined but still receiving statements from citibank for annual membership fee for the card which was never issued. 

Tried to work with customer service, fraud dept and other departments in last two months. Still the issue is unresolved.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : 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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NC

Complaint narrative:
Below attached is my common law Copyright notice and lien for the straw affidavit received from the XXXX XXXX XXXX XXXX that I previously published in the legal section. My Certificate of Authority from the XXXX XXXX Department of State, My Copyright number, and affidavit. Both Parties are wilfully in violation of my Private American National, and Constitutional Rights. My Rights to privacy are first, I never consented, contracted, or agreed written or orally with either party, yet they continue to violate my rights and neglect the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MD

Complaint narrative:
I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus method of verification. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. 

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the 15-day timeframe. 

It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. 

I request this account to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other two inquiries. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: NJ

Complaint narrative:
XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other XXXX inquiries. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
TransUnion, Please see below and attached - there was a fraudulent hard credit inquiry pulled due to identity theft that needs to be removed as soon as possible : XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
XXXX and Transunion are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}

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 2023-10-05 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: IL

Complaint narrative:
Equivax and XXXX are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX SS # XXXX CELL PHONE : XXXX XXXX XXXX LOCATION XXXX XXXX XXXX XXXX XXXX CA XXXX SYNCB/PPC ACOUNT # XXXX. 
SYNCB/XXXX  ACCOUNT # : XXXX I SHOW THE DOCUMENTS WHERE PAYPAL ACCEPTED THE PAYMENT WITH THE OBJECTIVE OF REMOVING ALL INFORMATION SUCH AS 30,60,90, DAYS LATE PAYMENTS, CHARGES OFF AND COLLECTIONS OF MY CREDIT LINE OF XXXX, XXXX , AND XXXX... SINCE THEY HAVEN'T BEEN ABLE TO HELP ME WITH ANY OF THIS... I LOOK FORWARD TO HEARING FROM YOU IN 30 DAYS. AND I HOPE THEY SEND ME THE CORRECTION AND UPDATE. 
Note SYNCB/PPC ACOUNT # XXXX. 

SYNCB/XXXX  ACCOUNT # : XXXX THESE TWO COMPANIES ARE PAYPAL AND THEY ARE REPORTING THE SAME IS THE PAYPAL COMPANY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has a rather annoying process for their help center. I have had problems verifying my identity which you must do in order to do anything on the help line. I called multiple times on XXXX and XXXX but failed to speak with an agent each time as you have to verify your identity first. I tried emailing on XXXX since calling about this issue has not worked, but it was not resolved by them. They sent me an email on XXXX with a link to log into my account, but I can't do so as I have to verify my identity. I just want to verify my identity so that I can unfreeze my credit report. They make it very difficult to verify your identity and they don't provide enough support services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have tried to remove fraud alerts via phone with no luck. I keep getting the run around when trying to remove these fraud alerts by the phone agents. I'm unable to remove them online and this is making it impossible for me to apply for a car loan to provide for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have tried to remove fraud alerts via phone with no luck. I keep getting the run around when trying to remove these fraud alerts by the phone agents. I'm unable to remove them online and this is making it impossible for me to apply for a car loan to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NE

Complaint narrative:
I have tried repeatedly to close out the secured credit card with Discover and each time I am met with opposition. They allege that I owe money on it. I have asked for a bill to be sent to me and to have the payment options included and everytime I ask I can not get it. Now I check my credit score today and they closed my account and charged it off as bad debt. This is beyond unacceptable. As the cherry on top of the cake they put very derogatory remarks on my credit report and my credit score went from a XXXX to a XXXX. 

Discover refuses to help. They wont let me pay my balance off and close it. So now Im still stuck between a rock and a hard place. I dont want to get an attorney involved but I am afraid if they don't help me with removing the derogatory remarks and let me close my account for the past due balance that I have been trying to pay for literal months I will have to retain one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
Trans Union is obligated by the FCRA to report accurate accounting. I have advised ALL the inquires reported was fraud. Said company had 4 days according to LAW to remove such items. I am now requesting Trans Union to provide the documentation used to determine inquiry was indeed authorized by the consumer, Trans Union has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If Trans Union does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certian rules. Trans Union Commission file number : XXXX I will be filing form 211 treasury omb forms to audit my account. Trans Union is securitizing my data yet refuse to provide a copy of my CONSUMER FILE NOT CONSUMER 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My account is negative due to a charge off account XX/XX/XXXX never received notice of this account. The banker was very rude and mishandled my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
What led me to start filing these complaints is that I was mailed a collection debt from a law firm. I'm not computer savvy to apply for any credit cards online. If I were to apply for any it would be in person at my local bank. So I filed a complaint such as this one with the Law Firm. Moving on as I was able to check my credit report and noticed more collections. On XX/XX/2018 a collection was opened and to make a record I never got any notice in the mail of the debt from LVNV Funding LLC for a XXXX XXXX account in the amount of XXXX. I'm almost positive that my half brother was the one that applied for these cards in his name. I'm XXXX and my health isn't all that great and I'm XXXX XXXX XXXX and going through XXXXXXXX XXXX and not able to work nor take care of myself. I rely on my youngest son XXXX XXXX who I'm giving permission to speak on my behalf. I'm not able to deal or handle the stress this has caused me. Understand there are multiple accounts for LVNV that I have another XXXX XXXX for XXXX, XXXX account for XXXX and XXXX XXXX XXXX  for XXXX that I didn't apply for. I've attached a ID theft report that I filled out. Also attached my front and back driver license 's number for verification. And not proud of this but my son has a trouble past and attached an old mugshot. And attached an income verification form. As you can see I'm below the poverty level and don't make much money while being sick.

Company response to consumer: Closed with non-monetary relief