vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
This account has caused me significant XXXX, to the point where it's affecting my XXXX. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/24, I received an email from 5/3 Bank regarding an unauthorized debit card transaction in the amount of {$300.00} by XXXX XXXX. I immediately contacted the XXXX number to report an unauthorized transaction and was put into the dispute area of 5/3 Bank. Today, I followed up because I was unable to access my online account on my phone app and was told by the representative that they don't know how long their investigation will take to place the {$300.00} back into my account for the unauthorized transaction. I have the debit card used ( XXXX ) in my possession and have never allowed anyone access to same. The debit card has been closed as of XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
This my third a final complaint against Experian and it seems as they do not have to follow the CFPB or FCRA rules. All they do write the dispute matters will be investigated and we will respond. No responses and now I can not even get an updated credit report or credit score, which I know is against the law.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX, XX/XX/XXXX, I called AAdvantage by Citibank to change the credit card type I had applied for. I having been trying to get a credit card that would give me airline mileage. I have excellent credit. XXXX turned me down twice ( after telling me to reapply again after being denied the first time ) so I obtained XXXX ( Platinum ) from Citibank but realized it was not the one I wanted. I called Citibank back after being accepted and asked them to upgrade the card to Platinum Select. They said I would have to cancel the first card and reapply for the Platinum Select. I asked them to cancel the card ( which I had not even received yet ) and told them I would reapply. Once I did this, I reapplied for the Platinum Select Citibank card. They denied me and told me I had applied too many times and would have to wait 48 months!!!! What the XXXX? I reapplied when they told me to, then my score was downgraded I and I can't get their XXXX credit card! Everything works against the consumer with these credit card companies and no one is overseeing them properly.

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 2024-02-09 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: TN

Complaint narrative:
I sent a request for valid verification of certain items Im unaware of on my consumer report that are saying belongs to me. I sent a letter to Experian on XX/XX/2024 certified requesting an investigation and proof bearing my signature and knowledge of these accounts. Experian is in violation of : Under 15 USC1681 ( a ) ( 1 ) ( A ) subject ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency of any item of information is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice from the consumer.

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 2024-02-09 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
There was a fraudulent inquiry on my report and would like it removed XX/XX/2023

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 2024-02-09 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: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
There was a fraudulent inquiry on my report and would like it removed XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: OH

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX, by phone to cancel my membership in XX/XX/XXXX, as I had moved out of state. My membership was eligible to be cancelled because it was past the XXXX term. I was informed that the only way I could cancel was to come in person to the gym to cancel. This was not reasonable for me and did not make sense to me. They refused to cancel my membership. 

To stop the withdrawal of funds, I blocked them from charging my debit card. 

In XXXX of XXXX, I noticed a new account and a negative remark on my credit report in regards to {$130.00} owed to XXXX XXXX, aka XXXX XXXX. My attorney reached out to resolve the matter, requesting that they cancel the debt and remove this from my credit report immediately on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX, their corporate controller, responded by saying that they could only cancel my membership by receiving a written notice. I provided such notice on XX/XX/XXXX. 

XXXX also said that I would need to reach out to their XXXX location to arrange payment. However, she made no mention of removing the negative, unjust, and harmful information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
For the past XXXX  months between the dates of XX/XX/XXXX - XX/XX/XXXX I received phone calls and emails claiming that I owed money to this XXXX party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My daughter is on my checking account. I receive SSA benefits and XXXX  retirement benefits. She has been taking the electronic payments out of my checking without my consent and or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I ordered items from XXXX to a business address. Package never arrived, I didnt sign for it, neither did other employees. Signature wasnt my name or my signature. Attempted to work with the merchant but they wouldnt investigate further. Filed a dispute with Chase but they denied my claims saying and all they told me was that because someone signed for it and closed my case. Requested proof that used on their investigation, never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MD

Complaint narrative:
I've been a victim of identity theft since XXXX and have been fighting to keep my report updated and accurate. 

Please review the attached dispute letter for reference.

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 2024-02-09 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that XXXX, EQUIFAX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IN

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IN

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have already contacted XXXX. They say that in XXXX  2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XXXX 2023. XXXX says to file a complaint with StudentAid.gov. I did that today also. XXXX says it is impossible for them to update the XXXX credit reporting agencies that my balance is XXXX. XXXX XXXX shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe XXXX this amount of money, when in fact I do not. I have worked in public service for XXXX years and much of my XXXX loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe 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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I have received text messages and phone calls from XXXX Harris & Harris for over two years. They say in the texts it is for debt collection for XXXX XXXX ( {$5700.00} ) over XXXX XXXX XXXX. No messages are ever left on my voice mail. I dont even know where this is, nor have I to my knowledge ever crossed this tunnel. The texts are brief and include a link to click on, but I have not clicked on this link for fear of stealing my data. I have never received anything in writing. There is also a direction to enter STOP if I want to be removed from the texts, but that also makes me nervous so I have just ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-02-09 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: TX

Complaint narrative:
This is a formal complaint for XXXX, TRANSUNION and XXXX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If XXXX, TRANSUNION, XXXX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given XXXX, TRANSUNION, and XXXX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems XXXX, TRANSUNION and XXXX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer 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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
This company calls at least 4 or 5 times daily and leaves the same message. I finally called them back on XX/XX/2024 to see what was the debt and he told me. I told him that I was going to pay it on my next pay date or when I received my tax refund which would be sometime in XXXX and I tried telling him to stop the calls but he started yelling at me and did not want to listen to reason so I hung up on him. The company name is Sequium Asset Solutions. Unfortunately I did not get the persons name. I would like for this company to quit calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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