vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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:
After reviewing my credit reports I noticed that your company are alleging that the following accounts ; XXXX, XXXX, XXXX are accurate without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remarks. These companies are reporting a certificate of indebtness which the IRS considers income and income can not be on a consumer report. Additionally, as your company know it is against the law to report any information not proven accurate, I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts ; XXXX, XXXX, XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the accounts ; XXXX, XXXX, XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: AZ

Complaint narrative:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-15 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:
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.

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XXXX 's bank issued XXXX credit cards to e and my husband with XXXX different numbers. My complaint is related to my card. It appears there were issues related to payments on those cards and some confusion when payments made to my account were credited to my husband 's account which had no balance. In the beginning of XXXX I visited the local branch, talked to the customer service representative who told me that the problem would be resolved within XXXX to XXXX  days. Then I received a statement due on XX/XX/XXXX, with a balance that included {$320.00} of interest. It was to that particular statement that I visited the branch and got assurances that the problem would be resolved. Then I made instructions on line to pay the remaining balance ( i.e., balance of {$750.00} less XXXX, less {$12.00} credited to my husband 's account = XXXX {$730.00} ) on a due date of XX/XX/2023. That payment recorded under confirmation # XXXX was not deducted on that particular date ( i.e., yesterday, Tuesday ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Credit Bureau, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Account name : XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements. 


Sincerely.

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 2023-11-15 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: NY

Complaint narrative:
My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. XXXX XXXXk never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from XXXXXXXX XXXX. The balance was paid immediately after notification of the charge off and should be rectified 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 explanation
Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose In addition, it states everything on my consumer report is supposed to report to maximum possible accurancy under 5 USC 1681 e ( b ) as well as transactions, experiences, authorizations and approvals of credit are not included in your credit report under 15 USC 1681 a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It has been 2 months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per 15 USC 6802 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.

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 2023-11-15 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: IL

Complaint narrative:
I recently pulled my credit reports and saw fraudulent accounts that I do not recognize.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received notification via electronic mail. In a call to Amex at XXXX on XX/XX/XXXX XXXX PM [ XXXX mins, XXXX sec ] in speaking with Fraud Division I verified that this was fraud, I was told the account was closed, and that the applicant would not be able to re-open the account. Because I inquired as to how a fraudulent entity was able to get so far as to open the account with credit alerts in place for XXXX, XXXX and XXXX [ for which I have credit monitoring ]. I was advised that Wednesday XX/XX/XXXX, I received the credit card in the mail despite that I was advised it would not be issued. When calling again at XXXX on XXXX AM [ XXXX mins, XXXX Sec ] the XXXXraud division again advised me the account could not be activated and that it was under 30 day investigation to determine how the account was opened. When I began to inquire as to how the account was opened I was transferred to the new account Bureau. The initial agent confirmed the call was being recorded and I asked how they were able to get this far without asking for verification of my identification by physical ID. The person then proceeded to read my fraud notation from one of the credit Bureau ( s ). I then asked why they did not do it. They said the called the number on file. I asked what they used to verify my identification? The agent said that all of that was destroyed. I asked if the call was being recorded [? ] to which the agent said yes. I then asked how then would you destroy information or discard that the Fraud department said it would investigate or use to investigate? He Said he followed the process which was to " call the number ''. I asked for him to produce evidence that the number was called. He then stated he could not because I closed the account. I asked to speak to a manager at which time I was sent to XXXX. I verified XXXX was recording our conversation. I again asked him to take me through the process and he gave me his assurances that Amex followed the process and then XXXX proceed to tell me I did not have XXXX Alerts on my account. He implied there are fraud alerts and their are [ implied ] separate fraud alerts. I asked whom is used in the verification and ha said XXXX. I than advised him [ as of the XXXX ] that two days after [ XX/XX/XXXX ] only XXXX XXXX had a record of the inquiry. SO if you use XXXX XXXX, how did did they not have the inquiry and XXXX did? He explained what their process was again and i asked him to repeat it for their recording. So we have XXXX Amex employees caught in lies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
I recently submitted a complaint against TransUnion and XXXX regarding collection accounts from XXXX XXXX that are listed on my credit reports. TransUnion and XXXX consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it May concern. I have a credit card with the XXXX company and they are reporting my credit incorrectly, they reported me a late payment. I have made all my payments on time. This is seriously affecting my credit report. Please request that you remove this late payment from my account.

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I noticed a fraudulent collections account for {$680.00} on my XXXX Credit Report. I called the company, claiming this is a fraudulent collections account due to Identity Theft. They claimed they couldn't do anything about it until I filled out the packet they would send to me in the mail. This packet was never sent. Today is XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX Bank, Account # : XXXX, Account Name : XXXX  XXXX, Account # : XXXX, Account Name : 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

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 2023-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX Bank, Account # : XXXX, Account Name : XXXX  XXXX, Account # : XXXX, Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
So I filed a dispute on a unauthorized charge on my credit builder side I have chime so I made the police report and chime put it bacjk in my credit builder but there saying its close now due to stuff made by identity theft Chime is telling me that I am not eligible for refund the transaction was XXXX something dollars with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: VA

Complaint narrative:
Sallie Mae claims I owe money in private loans that have expired past the date of collection. They are also claiming my cosigner is liable ; but my cosigner has already been released via bankruptcy. They are claiming I made payments to them; but I have not made any to them. They are calling extended members of my family as well for debts that they can not collect and need to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I was not informed that my vehicle was being reposted until a tow truck showed up to my house without prior knowledge. When asked about why he was there I was told he was doing his job. Twice prior a car drove by as if it was recording me or my neighbor 's houses. After the tow truck which was months later another car drove by recording and taking pictures of our houses. On XX/XX/2023 acar came pulled up in front our houses and set. As a XXXX XXXX, XXXX XXXX  of XXXX and a XXXX XXXX  survivor, I became weary and anxious so I called the police. The police informed me they were repo people and made them leave from sitting on the corner for an hour. Today XXXX XXXX a weird truck sat out side my house for over an hour. When I asked if I could help him, I was again told I'm just doing my job that he was a utility worker. But it looked as if it was the same driver of the tow truck. I get XXXX to XXXX calls a day whether I talk to them or not and now I'm being stalked outside my house. I'm scared to leave because I don't know who the individuals are. Only thing I've been told is I'm doing my job. This should be considered predatory and dangerous practices. I really hope you can help me rectify this situation.

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