vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Caine and Weiner, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer report agency can not furnish in account without my written instructions 15 US C61666B a credit may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
I recently checked my credit report and noticed an inaccurate account reporting.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-07 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: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan with XXXX XXXX entry on 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 2024-03-07 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: NV

Complaint narrative:
Provided personal information to 3rd party affiliates against, XXXX XXXX XXXX was contacted on multiple accounts to no avail or response. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.

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 2024-03-07 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: NV

Complaint narrative:
Provided personal information to 3rd party affiliates against, XXXX XXXX XXXX was contacted on multiple accounts to no avail or response. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.

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 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I borrowed {$1000.00} from this company and they are trying to make me repay {$7100.00}. I made 6 payments of {$270.00} totaling {$1600.00}. And now they have sent a letter to my company to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
To whom it may concern, I am writing today as I have encountered an issue with the Experian Credit Bureau. I am a XXXX  individual who went through the legal name change process to update my first and middle name through New York State Courts. My last name, social security number, date of birth, address, phone number and email address all have stayed the same. I have updated my legal name on all my creditors, bank accounts, employment, Social Security Administration, NYS License and Birth Certificate. I called Experian who I pay monthly to monitor my credit as I have their app and inquired about updating my legal name with them. The Experian Supervisor instructed me to upload my updated my legal name documents to Experian/upload. I uploaded my court order, my updated Social Security Card and my updated New York State License. After 3 business days I received an email that they have updated my Experian account to reflect my updated first name. I logged into my Experian app today as I do daily to check my credit report and it showed that I no longer have a FICO score. I called Experian customer service and received no help. I escalated the inquiry to an Experian Supervisor who told me they can't help me resolve the issue, that the creditors need report with my updated name. I have updated my name with all of my creditors and they have been reporting my legal name to Experian. I am XXXX XXXX XXXX and have worked hard to earn a good credit score of XXXX. I pay my bills on time every month. I need this problem rectified as soon as possible as it is causing issues with my ability to run my credit for purchases.

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 2024-03-07 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: PA

Complaint narrative:
When going through my credit profile I seen hard inquiries on my report that is not mine.

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 2024-03-07 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: IL

Complaint narrative:
Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.

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 2024-03-07 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I asked the representative of Early Warning Services who gave them authorization to have my personal information in their reports? He said that XXXX XXXX XXXX gave that authorization for them to have my information. 
So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
This debt is more than XXXX XXXX XXXX, and this collection company used to be called Zion debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of XXXX XXXX XXXX XXXX XXXX XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan XXXX XXXX entry on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

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 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JNR Adjustment Company, Inc
State: PA

Complaint narrative:
I sent letters trying to fix this. I never had a contact with the debtors it was with a previous company that I already settled with and I send multiple letters and they are continuing to harass me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
This is extremely urgent. 

I have been working on these items since XXXX : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  ( the same as the above XXXX XXXX XXXX XXXX This issue is causing a serious problem with me closing on my mortgage loan. I requested all 3 credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX 3rd party credit company. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/year> and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.

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 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
On XX/XX/2023 I completed an online registration for a new savings account with Citibank in response to an offer for XXXX points. The following day I mailed a check for {$12000.00} for DEPOSIT ONLY to the new account number ( XXXX ). 
Then I left for XXXX for a XXXX week stay. 
XXXX weeks later I received a voice mail from an investigator for Citibank who directed me to Citibank Fraud, who informed me that Citibank could not do business with me, my account had been closed and they were not allowed to tell me why any remaining funds would be returned within XXXX to XXXX  days. 
On XX/XX/2023 I sent a letter to Citibank Client Services requesting an explanation. I have never received a response.

I have never received correspondence regarding this account other than a welcoming letter confirming receipt of my deposit and an ATM card, which I destroyed as directed by the Fraud Department.

I have spent hours attempting to contact someone from Citi only to be frustrated by their voicemail system that requires either an Account Number or my SSN. I have tried both only to be told that they could not find either and that in order to serve me better, I had to provide XXXX or the other. 
Citi sent me a 1099 INT which I assume is for this savings account as I have no other interest-bearing account with them. There is a number at the bottom of the report for questions '' but that number also requires an Account or SSN to serve me better.

Bottom line : I dont have access to my money, and Citi has made it impossible to contact them.

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 2024-03-07 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: NY

Complaint narrative:
The following inquiries were made without my authorization. Please delete from my credit report. 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 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
XXXX XXXX filled XXXX  XXXX in XXXX of which no notification via email or regular mail was received by me. I have a Retail Installment Contract with XXXX XXXX XXXX XXXX the Creditor. They use a 3rd party payment processor ( Healthcare Finance Direct, LLC ) which it specifically states in the agreement that they are not a lender. Simply a payment processor. I found out that XXXX XXXX ceased all Operations and is now defunct. I contacted HFD because I saw that they continued to debit my account and I called to question on why and asked them to cease and desist in doing so since the Creditor ( XXXX XXXX ) has not only closed their doors, but also is in Breach of the Medial Service Agreement in the promised services they would provide and at this point will no longer honor. I have also filed a complaint with the XXXX  and sent emails to HFD asking them to cease and desist their attempt to debit my account. I have since gone into the HFD portal and removed my primary billing information. It would not allow me to remove the " back-up '' account and I am concerned they will continue to debit through that account. Again, I am asking for your help in asking this 3rd Party Service provider ( HFD ) who is NOT THE CREDITOR, to cease and desist from making any further debits and threats to send the account to Collections if I don't continue to pay them as they their Representative stated to me when I called to ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
Complaint Regarding Unauthorized Promotional Inquiries by TransUnion.

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against TransUnion for their failure to address my concerns regarding multiple unauthorized promotional inquiries listed on my credit report.

Despite my efforts to resolve this matter directly with TransUnion, I have not received any response or acknowledgment of my inquiry, which was sent on XX/XX/XXXX. 

Details of the Complaint : On XX/XX/XXXX, I sent a detailed letter to TransUnion expressing my concern over multiple unauthorized promotional inquiries on my credit report, obtained on XX/XX/XXXX. These inquiries raise significant privacy concerns and potentially violate my rights under the Privacy Act of 1974 and 15 U.S. Code 6801, which mandates the protection of nonpublic personal information. In my letter to TransUnion, I requested detailed information on each entity that made these inquiries, clarification on how these entities were permitted to access my credit information, immediate removal of these inquiries from my credit report, and a financial remedy for these violations. To date, I have not received any form of response from TransUnion. Desired Resolution : I am seeking the CFPB 's assistance in obtaining a prompt and thorough investigation into these unauthorized promotional inquiries, the removal of these inquiries from my credit report, detailed information on each inquiry as previously requested, and a financial remedy for the violations identified. I expect TransUnion to adhere to federal laws regarding the protection of consumer information and to implement measures to prevent such unauthorized access in the future. Enclosed with this letter are copies of the correspondence sent to TransUnion, and copies of the credit report showing the unauthorized inquiries. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and assist me in resolving this matter satisfactorily. Thank you for your time and attention to this issue.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
They started charging a monthly service charge to my CHECKING account of {$6.00} per month, and not reversing it, on XX/XX/XXXX. I am supposed to have the monthly service charge waived, based on their policy/criteria. The criteria I qualify under is " having a US Bank credit card ''. I have a US Bank credit card, which they have confirmed numerous times, but they can't get this fraudulent charge off my account. I have called many, many, times and visited a branch once, but almost every month I have to call them again. 
This is outrageous and sometimes the customer service reps are rude and uninformed. Below is a list of how many times I have called to complain about this and attempt to have it " fixed ''. 
It appeared to be " fixed '' on XX/XX/XXXX, but started all over again in XX/XX/XXXX. 
Contacted customer service @ XXXX on the following dates : XX/XX/XXXX - no name ; refused to provide credit for {$6.00} service charges on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX- visited XXXX XXXX XXXX & spoke with XXXX ; she issued credit for {$6.00} x XXXX XX/XX/XXXX - XXXX - issued {$6.00} credit for XX/XX/XXXX fee & said she would research problem XX/XX/XXXX - XXXX ( supervisor ) - issued credit for XX/XX/XXXX fee & said " someone '' didn't do what they were supposed to, to fix it XX/XX/XXXX - XXXX XXXX reversed XX/XX/XXXX & XX/XX/XXXX fees of {$6.00} each On XX/XX/XXXX, the {$6.00} fee was charged and then apparently reversed automatically. 
On XX/XX/XXXX and XX/XX/XXXX, I was again charged the fee of {$6.00} each, which were reversed on XX/XX/XXXX, after I made another call. Then on XX/XX/XXXX, I was charged another {$6.00}. I just don't have the energy to call yet again and explain the entire thing AGAIN.

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