vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: CT

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CT

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}

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 2024-10-11 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: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cedar Holdings, Inc.
State: WA

Complaint narrative:
They wont work with me. They said I took out XXXX and now I owe over XXXX. They now are facing my job and trying to do a wage assignment garnishment and I cant have this. I tried to tell them I declined this and they are still contacting my work. I would like to just pay it off. I also dont even know if I really owe them a I have asked for the paper work and the electronic IP shows XXXX and I live in XXXX XXXXXXXX XXXX So Im not even sure if its what I owe. Help!!

Company response to consumer: Untimely response
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
I previously disputed the improper reinsertion of a fraudulent account from XXXX XXXX XXXXXXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report. However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Experian. I received a letter from XXXX confirming they removed the account, but Experian is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Experian 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Experians actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Experian confirming the account was removed before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX Texas, XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : XXXX XXXX XXXX : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute. 
XXXX XXXX XXXX ( XXXX ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( XXXX ) in question do not comply with this standard. 
XXXX XXXX XXXX ( XXXX ) : Specifies my right to dispute information I believe to be incorrect or misleading. 
XXXX USC XXXX : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report may be due to identity theft, which would be a violation of this statute. 
XXXX USC XXXX : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXX point : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXXXXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. XXXX a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I tried for the last 2 days to switch my email address that is registered from One bank to another. This is never a problem as stated in the app for Citibank in the process it states that it is currently registered with this particular Bank. Would you like to switch it and confirm having it registered with Citibank? Upon choosing? Yes it should set up and configure just like it does on my other five Banks. But this isn't isolated incident as I explained to the CSR and his supervisor at a call center and that I can in the matter of 5 minutes which both my email and phone number which are registered with other Banks in XXXX to other banks with no problems and that this is only occurring with Citibank. He tried to blame it on the other bank which is baloney and it even tells you in your app that it's registered with the other bank. Would you like to switch it and you hit yes and then at that point they fails and then they try to tell you to call and I called and wasted my time and they helped me with nothing. This is not the first time I've called Citibank and gotten bad information. Since this account has been opened and I continue to be told things that are not true, they should not be allowed to waste the customer 's time like this and leave people hanging while your money is sitting in their accounts and can not be used

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Checkbook Inc
State: FL

Complaint narrative:
Checkbook Payment Holdings DBA Checkbook purports to be a Payment Service Provider ( PSP ). I attempted to use their service to send money to satisfy an account payable for my business. On the XXXX XXXX XXXX XXXXXX/XX/year> I used their service to send {$1200.00} to an individual. Upon scheduling the remittance, this company has, without explanation, frozen my account without explanation. I contacted this company on XXXX XXXX XXXXXX/XX/year> because the intend recipient alerted me that the transaction failed. This company failed to alert me of the issue in a timely manner, has deliberately evaded inquiry as to why my account was frozen, has failed to respond to my petitions for redress despite providing requested documentation, and has been grossly negligent in the resolution of this issue, which has opened by business to suffering financial harm. This company now has access to my business ' financial data and personally identifiable information with no remedy or recourse for me to revoke access or terminate use of their services and no assurances that the information I handed over won't be used in perpetuation of a crime or other fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRIES : 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 2024-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My PENNYMAC LOAN Loan - XXXX. I an having a problem with paying this account. I sent in a partial payment for my XXXX monthly payment. Instead of them using it on my monthly payment the applied it to my princple. It is against the law to change someones payment. 
Penny Mac stated I can not make any partial payments. I have to pay in full or not pay at all. This was not a late payment. My account is two months ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CT

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}

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 2024-10-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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  I was involved in ID THEFT I HAVE NO KNOWLEDGE OF THESE 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 explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My Experian account got hacked, and beyond notifying me that my account information had changed, Experian themselves has been totally useless. I've called many times and they won't help until they've confirmed my identity. I submitted my documentation weeks ago and they maintain that they can't find the documents. Meanwhile whoever accessed my Experian account has all the information they need ( my entire credit report ) to repeatedly gain access to my account in the future as Experian " verifies '' identity over the phone via the information found on your credit report. Because Experian 's security is poor I feel like an unauthorized party has permanent access to my credit report and I can't even get Experian to let me back into my account to try and secure/delete it. Also it's impossible to get any humans on the phone at this 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 2024-10-11 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Here is the updated list of bank accounts with the close dates and current statuses removed : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance : {$1800.00} XXXX XXXX**** Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 explanation