vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I attended a Wyndam resort presentation in XXXX XXXX, they used my personal information to apply for a credit card without my authority. I specifically told them that I did not want there rewards credit card. I was specifically said that I did not want to apply nor did I want it. I received a credit card in the mail today, it says that is was applied the same day of my attendance at the presentation.

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 2024-08-01 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: PA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
I sent letters to Trans Union, XXXX and XXXX regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to XXXX XXXX, Equifax and XXXX regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to XXXX XXXX, XXXX and Experian regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.

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 2024-08-01 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: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : lt also states a consumer reporting agency can not furnish 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth :XX/XX/XXXX- **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.

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 2024-08-01 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXX - **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against Equifax for the unauthorized disclosure of my non-public bankruptcy information, which I believe violates the Fair Credit Reporting Act ( FCRA ). The agency furnished this sensitive information to unauthorized parties, contravening Sections 604 and 628 of the FCRA that protect the confidentiality and accuracy of consumer data. Furthermore, I have received a letter from the bankruptcy courthouse confirming that they do not furnish bankruptcy-related matters to credit reporting agencies, supporting my claim of improper disclosure. I have formally disputed this matter with the agency and am seeking corrective action to ensure my information is secure. I request the CFPB 's assistance in resolving this issue and holding the agency accountable for this breach of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has denied me because of FALSE INFORMATION claiming to be on MY credit report. Stating that I do not have any credit history, that I am delinquent on more than XXXX account, too few accounts paid as agreed. This information is not true. I have been with XXXX services for over XXXX years never missed a phone payment never was late, I owe no debts, I have no credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
DELETE ADDRESSES XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX GA, XXXX DELETE CREDIT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-08-01 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: GA

Complaint narrative:
DELETE ADDRESSES XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX GA, XXXX DELETE CREDIT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DELETE HARD INQUIRIES 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 2024-08-01 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex System Report was shared without prior knowledge and consent to XXXX XXXX XXXX XXXX and it contained errors that kept me from being able to open a deposit account. 
( ( ( Errors include the XXXX items below with the - symbol in front of them : : Score : XXXX Score Date : XXXX The principal reasons that influenced this decision are : - PROPERTY OWNERSHIP HISTORY - NON-DEROGATORY PUBLIC RECORD HISTORY - ASSET OWNERSHIP HISTORY To contact ChexSystems, you may use one of the following methods : ) ) ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the information they report. Additionally, consumers must be informed when their information is being shared.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Reports -- Have requested many times for them to remove the account of XXXX in the amount of {$440.00} which has been on my account since XX/XX/year> and they absolutely refuse to do so. It has been on my credit report for XXXX years now and they refuse to remove it. I would like to have it remove immediately. Plus, I was a co-signer on this, not the original person who took out this loan which is not and was not stated either.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove these fraudulent inquiries from my credit report. They are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
My mortgage was sold to PHH Mortgage from XXXX XXXX XXXX and Im trying to cancel my escrow account. My XXXX on this conventional loan is about 76 %. XXXX says they cant do it because theyre not servicing my loan anymore and PHH Mortgage says they require an escrow account to be established for 12 months before closing the account. PHH mortgage is violating my original loan agreement that doesnt state any limitations on closing an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-08-01 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2024, my credit union bank account was charged {$3800.00} by Citibank for my new credit card account with Citibank. This was a new card for a XXXX % APR balance transfer. I did not authorize a payment in this amount and I don't think any payment was even due yet, as it was a new card. I would have only authorized the minimun due at this time if there was a minimum amount due. I called Citibank and asked for the charge to be reversed. They said that I have to call back after XX/XX/XXXX because there is a hold on the payment. I called back same day to speak with someone else who might be able to explain to me why there was a hold. I was told by the XXXX person that it was still in processs and I have to wait for it to clear before they can reverse it. I told the representative that it has already cleared my bank account and my account is now overdrawn. I have automatic payments and bills due that will not clear my account because of this unauthorized charge. I called my credit union to dispute the charge and was told that because CITIbank said that they will reverse the charge, I have to wait and try to resolve this with them directly before I can dispute the charge on the credit union side. I am also wondering if the reversal of the payment might cause some complication in the zero % balance transfer APR, if they may consider it a transaction since it is now a payment reversal and this might be a bait and switch scam to charge interest. I am paid monthly and so my account will remain overdrawn until this is resolved and I will not be able to pay any bills or expenses from my checking account. I was not given any satisfactory explanation as to the reason this payment/charge occured and why they can not reverse it right away. They claim it is still processing but it has already cleared my bank account. It is not a pending charge on my bank account, it is a full charge. This is a CITIbank XXXX prefered credit card, XXXX % APR balance transfer, last XXXX digits of account XXXX. CITIbank 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 2024-08-02 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: Milliman, Inc.
State: GA

Complaint narrative:
Milliman for inaccurate info about my medical records and credit history to several entities. The medical info was not accurate, the employment info it contains has some errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
Items that have resulted from fraud which I never benefitted from are being reported on my credit. These are already reported to the Federal Trade Commission but are not deleted from my 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