vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-12 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX Company called XXXX XXXX had taken {$310.00} out of my account with. my knowledge. when asked to refund the unauthorized amount. they agreed and said they would refund it back to my account. It was not. refunded to my account. and I they had sent me an email stating that they were going to refund it. I do not owe this company any debt and have requested again that they refund it They declined to refund it still. even though it was an unauthorized amount. and they pulled the money from my account that my XXXX gets direct deposited to so They illegally. garnished money from a non-garnishable income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV purchased an assumed debt ( {$800.00} ) and attempted to collect it since XXXX, XXXX. I exercise my right to opt out of any contract they or any previous holder of said debt may have had or attempt to have with me per 15 USC 6802. LVNV sent my personal information to XXXX, XXXX and XXXX, without my written, unwritten, verbal or non-verbal consent violating my right to privacy per 5 USC552a The Privacy Act of 1974. It is illegal for them to report my transaction history ( not excluding late payments, fees or otherwise ) per 15 USC1681a and 16 CFR 433.2. When I had disputed their fraudulent attempt at debt collection, they did not comply and recently illegally reported more of my personal information as recent as XXXXXXXX XXXX to credit bureaus without my written, unwritten, verbal or nonverbal consent. Further violating my rights to privacy per 5 USC552a The Privacy Act of 1974. Ultimately XXXX, XXXX, and XXXX are violating 15USC1681 which requires the removal of all items currently in DISPUTE, of which all accounts under LVNV associated with me are currently disputed.

In LVNV 's own privacy policy they state : Consumers have " Right to Opt-Out of the Sale or Sharing of Personal Information '' and yet have not done so.

Last but not least LVNV is falsely representing themselves as the debt collectors when they state on their own privacy policy they are in fact a financial institution that purchases and sells consumer information for profit. This is in violation of USC 1692e..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

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 card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I worked very hard to get my credit score to a XXXX only to have the same company constantly give derogatory marks on my report to wheee my score is now down to XXXX. 
I have repeatedly let this company know that the account is not my account but it was reopened by my sister who is now deceased. My sister used my name and social security number to apply for numerous credit account which lead to hard pulls and inquiries destroying my credit. This company has made no effort to look into this situation at all. I have disputed it with XXXX XXXX several times to no avail. XXXX XXXX is the account owner and before death had a ID with her face on it and my name and I am guessing this is how she was able to obtain credit in my name. The company is XXXX XXXX XXXX XXXX XXXX  and the collection company is NCA National credit adjusters. The account was opened in XXXX  and they are reporting a different date and Im not sure weather this is a loan or a credit card bc it is not my account and this company does not care about that. They keep reporting it on my credit when it should be reported on XXXX XXXX credit report. I have reports that are different with the 3 bureaus but its the same NCA company and XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WA

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2024-02-12 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was charged {$980.00} to my credit card account on XX/XX/XXXX, from XXXX XXXX # XXXX XXXX, XXXX. 

The charge is in error because I returned the purchased item, but the merchant instead charged me an additional {$980.00} instead of issuing a refund. 

On XX/XX/XXXX, I purchased a bracelet from XXXX XXXX for {$980.00}. I returned the item on XX/XX/XXXX, and the seller promised to issue a refund. Despite repeated requests and attempts to resolve the issue directly with the merchant, I have not received the refund to date. 

Additionally, I filed a claim with XXXX on XX/XX/XXXX regarding this transaction ( XXXX XXXX XXXX XXXX XXXX. Despite the Bank stated the issue resolved, the disputed amount of {$980.00} remains outstanding on my account balance.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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 am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My debit card was compromised. I filed a dispute. I emailed the company that was responsible for the charges. The company stated " as the orders have been processed, we are unable to process a refund. Please reach out to your financial institution to file a dispute regarding these transactions actions. We have also notated in our systems that these transactions were not authorized by you '. However my claim was still denied.

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 2024-02-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I paid my automatic XXXX  payment with my Chime debit card. The funds went through in chime and XXXX. The transaction disappeared. I called to make sure it still went through because it disappeared from my chime statement, they denied it. Then I paid my other bills then the payment went through when I didn't have enough funds. I believe someone is intentionally ruining my credit on chime 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-12 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: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
On XX/XX/year>, a total of XXXX unauthorized transactions were debited from my Cred.ai account, depleting it almost to its entirety within minutes. I contacted the XXXX Police Department and filed an offical report. I also filed a dispute with Cred.ai and provided them with a copy of the police report. 

The way Cred.ai works, is you have a credit card and you have a deposit account with a bank. I make deposits into the deposit account, and Cred.ai automatically makes payments, as needed, in a timely fashion. This system is meant to help establish a credit profile with fiscally responsible habits exhibited. 

The bank marked the associated charges to my credit card as not needing to be paid until the conclusion of the investigation. The funds are currently residing in the deposit account, but is not available for me to access. 

Cred.ai provided the following explaination : -- -- -- - " The Dispute Team actively manages this process to ensure resolution within the timeframes required by applicable law ( no more than 90 days ), and they may contact you if additional information is needed. 

To ensure the disputed balance is excluded from your credit card interest and payment calculations, a balance adjustment in the amount of the disputed balance has been added to your credit card statement. This adjustment will be listed as Other Credits in the Account Summary details on your credit card statement for the month in which your dispute was made. 

To ensure your Safe Spending Services function as intended, the funds in your deposit account associated with the disputed balance will not be made available in your Available to Spend balance during the investigation of your claim. '' -- -- -- The issue at hand is : I have requested several times for Cred.ai to make these funds available to me, either through credit availability or by refunding my deposit. I live paycheck to paycheck and can not pay my rent or my bills due to this. Although I did give Cred.ai permission to apply payments to my credit account on my behalf, I did not give Cred.ai to move money wherever they want to, for whatever reason the think is fit. The intent of the provisional credit is to not hold me responsible for the unauthorized charges, and to mitigate harms that it may have caused. This is being circumvented by Cred.ai illegally misappropriating funds that they have no right to be accessing. 

Cred.ai refuses to remedy or respond to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NY

Complaint narrative:
Its me again, my name is XXXX XXXX XXXX, I have been reporting issue for half years already, and today I just confused about the privacy issue that should I opt in or opt out since the difference explanation about advice from different people, they told me I should sell my information because otherwise other people cant find me, today they told me I shouldnt because that protect my information that I dont get scam, so should I? Im very confused who should i trust. Also I saw on my credit report their are some problems but I also dont want make mistake that I dispute the right information, so Im afraid that I made mistakes again. Now I even afraid to touch any of my phone settings. Please help me and also I dont have any credit card or debit card to use, I dont know why the issue keep happening on me and then its been a recycling problem. Also I read all the post and make me more confused, please just give me a clear explanation and not a big paragraph that make me more confused and same problem the link take to me far and far away. In the end I dont know what Im doing. Please I dont know what to do

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief