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: 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: MO

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 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 — Account information incorrect
Company: Bridge IT, Inc.
State: IL

Complaint narrative:
I signed up to build credit with " Brigit Credit builder '' requiring {$5.00} per month for a total of 24 months. 7 months later XX/XX/year> they inaccurately added a missed/late payment when I have paid on time direct debit from my account. In most cases I even paid early but I never missed a payment. I contacted Brigit via email and got an automated response from the robot. Stating my obligations to pay on time and develop responsible payment history and their obligations to report. I have proof that I paid on time and I'm asking that this missed payment be removed from my credit report immediately Hopefully without getting a lawyer involved. In addition to this I also saw a late payment from over 7 years ago that I am asking be removed as well as I don't recognize or recall what is was for and because it's older than 7 years. Brigit was unclear that I would be trapped into this program after signing up especially because they have done more damage to my credit report than good and I wish to cancel. However they are requiring me to pay off my fictitious loan that I never received off in order for them to cancel.. I have never received a loan from Brigit in exchange for building credit. It's a monthly billing service that charges me {$5.00} per month in exchange that they report accurately on my credit report which they haven't and after disputing this this still refuse to accept that it's some sort of computer error.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX 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/scrub> XXXX XXXX, 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 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian 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 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: IL

Complaint narrative:
The personal information is incorrect and I've requested this inaccurate address shown me as residing in Michigan be removed

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: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to express my extreme dissatisfaction with the recent events concerning my credit card account with your company. Despite previous assurances that a {$190.00} interest charge would be removed from my account since I paid the balance to zero, I am dismayed to find that the charge still remains. I remind you that charging interest on a {$0.00} balance is illegal and unacceptable. 

Furthermore, I am deeply concerned about unauthorized charges that have appeared on my account. Despite freezing my card and canceling subscriptions with XXXX XXXX, you company " authorized '' a {$50.00} charge that I did not authorize have to go through. In addition, your card company also " authorized '' a {$15.00} charge from XXXX XXXX that I did not authorize. It is evident that your company is allowing charges without proper authorization, while my card is frozen, which is both unethical and potentially illegal. 

I want to emphasize that you have never had my permission to authorize XXXX XXXX  and XXXX XXXX or any other charges on my behalf. My card is frozen and I am considering closing my account as a reseult of your illegal predatory practices. These unauthorized charges not only violate my trust but also cause significant harm, compounded by your high interest rates and fees. 

Please be informed that I am currently in the process of acquiring legal representation to pursue a lawsuit against your company for these unauthorized charges, as well as the failure to remove the interest charge as promised. I am prepared to take all necessary legal action to rectify these issues and ensure that my rights as a consumer are protected. 

I demand immediate action to rectify the situation, including the removal of ALL charges currently on my card, including the {$190.00} interest charge, the reversal of all unauthorized charges, and an explanation for the negligence in allowing unauthorized transactions to occur. Additionally, I expect compensation for the inconvenience and financial harm caused by these actions. The balance on my card should be {$0.00}. I have not used my card since paying it off last week AND I froze the card so it could not be used, and yet you still are charging me fees, etc. 

I urge you to take this matter seriously and address it promptly to avoid further escalation. Failure to do so will result in legal action being taken against your company. 

I expect a response within 24 hours confirming the resolution of these issues. Failure to respond or adequately address my concerns will leave me with no choice but to proceed with legal action. 

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 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: MS

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: EQUIFAX, INC.
State: OH

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

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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: GA

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please correct my name and address across all primary and secondary credit bureaus So that the old read the same, I would like all other missspellings of my name and address, delete it from all records across all primary and secondary bureaus as it is in accurate in violation of like consumer rights to furnish it accurate information. I demand this be corrected immediately. All other spellings or interpretations, invalid addresses, aside from the one listed on my drivers license must be deleted immediately across every bureaus and reporting agency. Any damages, denials financing, or financial hardships resulting from a failure to verify my information will be pursued legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

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: CA

Complaint narrative:
Please correct my name and address across all primary and secondary credit bureaus So that the old read the same, I would like all other missspellings of my name and address, delete it from all records across all primary and secondary bureaus as it is in accurate in violation of like consumer rights to furnish it accurate information. I demand this be corrected immediately. All other spellings or interpretations, invalid addresses, aside from the one listed on my drivers license must be deleted immediately across every bureaus and reporting agency. Any damages, denials financing, or financial hardships resulting from a failure to verify my information will be pursued legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2024-02-12 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: MS

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: EQUIFAX, INC.
State: MS

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUESTED AN ADDTIONAL RESOLUTION TO MY NAME ON MY CREDIT FILE BECAUSE IT IS NOW INCORRECT AND NOT MINE AFTER MY IDENTITY THEFT COMPLAINT FILED I RECEIVED DOCUMENTS TO UPDATE MY CREDIT FILE, BUT WITH THE NAME XXXX XXXX XXXX XXXX. 

THIS IS NOT MY LEGAL NAME, THIS IS THE LEGAL NAME OF MY FATHER AND IS NOW BEING REFLECTED ON MY CREDIT FILE. 

MY LEGAL NAME IS XXXX XXXX XXXX XXXX AND I DO NOT HAVE ANY ALIASES, NOR HAVE I EVER HAD ANY ALIASES. EQUIFAX HS CONSISTANLY REPORTED INCORRECT INFORMATION ON MY FILE AND HAS NOW AGAIN MERGED MY NAME WITH ANOTHER PARTY, THAT PARTY BEING MY FATHER I WANT ONLY MY LEGAL NAME REFLECTED ( XXXX XXXX XXXX XXXX ) ON MY CREDIT BUREAU , ALONG WITH ONLY MY ACCOUNTS LISTED ON MY CREDIT FILE

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, I sent an Identity theft letter to CAPITAL ONE, and despite more than 30 days passing, I have not received a response nor has CAPITAL ONE complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on On 12/19/2023 and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet CAPITAL ONE has not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.

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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
THE TOTAL VISA/XXXX XXXX XXXX ACCOUNT WAS FRAUDULANTLY SET UP BY ANOTHER PARTY USING MY INFORMATION AND I WANT THE FILE REMOVED FROM MY CREDIT FILE THE FRAUDULANT PARTY USED MY ADDRESS THE FRAUDULANT PARTY USED MY PERSONAL INFORMATION I DID NOT APPLY FOR THIS CRDIT CARD, I DID NOT USE THIS CREDIT CARD, I DID NOT BENEFIT FROM THIS CREDIT CARD. 

I HAVE PROVIDED ALL INVESTIGATION MATERIALS RELATED TO THE CYBERCRIME COMMITTED AGAINST ME AND THE FACTS CLEARLY SUBSTANTIATE SOMEONE ELSE HAD ACCESS TO ALL MY INFORMATION AND USED IT TO GAIN CREDIT TERMS WITH TOTAL VISA/XXXX XXXX XXXX AND I DEMAND IT BE REMOVED AS IT IS NOT MY ACCOUNT

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account closed and never late.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive used experienced faithfully. Here recently it keeps saying use my credit card to view reports I never signed up for a different membership when I called to ask whats going on they said they had to cancel my membership now I cant see scores. At this point these credit companies work together Im convinced I just had this issue w XXXX now when I log in to experian its a blank page so I guess I have to pay to see scores now????

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: GA

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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