vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: AR

Complaint narrative:
There are inquiries on my credit that should not be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-19 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: LA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is a rental debt from XXXX that was first placed on my husbands credit, weve requested and received paper based evidence in XX/XX/XXXX. The charges placed on us is not supported by the contract/paper evidence, its a bogus charge after our contract was terminated. Weve talked on the phone for 30 min without the representative offered any evidence to justify the additional rent charges of {$400.00} which more than covers the debt theyve claimed. Therefore the debt was removed from my husbands credit. However, this debt was placed on my name XX/XX/XXXX, which Ive also successfully appealed from my credit union. This is the 3rd time theyve put the same debt under my husbands credit 2 days ago. XXXX is clearly harassing us with this debt that they dont have credible evidence of. Please help us and fight for the consumers right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: VA

Complaint narrative:
Regarding agreement # XXXX This was marketed as XXXX interest freefinancing for a total term of 48 months. The materials the dentist showed me were clear, as was his explanation. I recently checked the payment schedule and realized they are charging the full interest during the 12 month grace period so I contacted my bank to dispute the most recent payment and turned off all future payments because of this material misrepresentation by Sunbit. After several weeks of complaining, they finally reached out with a nonresponse and said it was final, though it does not resolve the underlying dispute. 

I have now learned that, despite a documented articulation of my dispute over this debt, they are NOT credit reporting that this is a disputed debt. They are just ignoring my words and manipulating the the credit reporting process to leverage against me. 

I will say it again to the XXXX now : this debt was not to carry interest in the initial 12 months but Sunbit is doing it anyway so I will not be paying anything further until they unwind all the interest to date and reapply all payments on the interest toward principal as originally represented. They need to report this accurately to the credit agencies. 

On the other hand, I may as well just let the damage mount and then sue them for fraudulent reporting under the FCRA, but it's probably more efficient for them to honor the original agreement and we can all live happily ever after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX sold and assigned this alleged debt to a collection agency, and that alleged debt has been resold and re-assigned several times. Each time I respond with a dispute, and request records. Then, without sending the records, the allged debt is then sold and re-assigned. This has happened FIVE times. It is abusive.

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 2024-03-19 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Timely payments on this account have always been my priority, ensuring that they never fall behind schedule. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be applied.

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 2024-03-19 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:
i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all XXXX credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.

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 2024-03-19 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: DC

Complaint narrative:
Good day to I am not sure as to what dates the incorrect information was on databased but i have incorrect inquires on my credit report that I have not assigned to be there.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed on XX/XX/2024 that my Citibank checking and savings accounts were inexplicably and suddenly closed by the bank, causing some recurring ACH transfers to fail. I logged in to my Citi account online and saw that there was a letter addressed to me on XX/XX/XXXX stating that my account was due to be closed, and the " decision was made following the results of a review of bank information and records. '' There is otherwise no substantial reason given for the closure. I immediately tried to call the customer support number on my debit card but I was unable to get through to a human agent. I then went to my local Citibank branch office, but the staff there expressed puzzlement about what happened and were unable to help me or give me any explanations for the decision. I then called Citi 's Executive Response Unit and talked to an agent, they claimed that the decision was made by the Know Your Customer department at Citi and gave me a number to call. I called the provided number and got through to a second agent, who then told me that they were not responsible for the decision and claimed it is the branch office that conducted the account closure. But I have already been to the branch office, and they had no idea what happened! 

This is a nightmare. I am locked out of access to XXXX of dollars that I need to pay my bills, and I am not given any information on when I should expect to be paid back my balance amount from Citi. No one at Citi seems to take responsibility or can give me a reasonable explanation for why this is happening and what recourse options I have. I have been banking with Citi for almost XXXX  years and it is absolutely unacceptable that this is how they treat their most loyal customers.

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 2024-03-19 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: IN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-19 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: IN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1900.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$2000.00}, which brought the account to a XXXX balance. The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1300.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$1300.00}, which brought the account to a XXXX balance. Both these credit cards still show on my credit report even after 7 years. These accounts charged off on XX/XX/XXXX but the original delinquency that led to the charge off was in XX/XX/XXXX which is when first payment was missed. The original delinquency date is not showing up on the credit report and which is the reason 7 year rule is not applied and removed. According to FCRA the chargeoffs are removed after 7 years from the XXXX delinquency that led to charge off. If you can not remove it update the payment history from XXXX for the both credit cards that way I can work with credit bureau

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 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: RI

Complaint narrative:
I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw XXXX XXXX accounts and disputed on XXXX as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is killing my score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: RI

Complaint narrative:
I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on Experian site. 


saw XXXX XXXX accounts and disputed on Experian as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX XXXX this is not my charge Experian send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX.. .the delinquency is killing my score ....

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I have received correspondence from an unknown debt collector by the name of Diversified Adjustment Services , Inc. claiming I owe a debt from a company I have no affiliation with. I am requesting a debt validation from the company to provide ALL information requested in my letter in order to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The company is reporting XXXX late payment on my consumer report which is damaging to my worthiness. 

Can you please get these late payments 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 2024-03-19 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: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I have been trying to get an approved employer verification form approved by Mohela for over a year. My previous employer had made an initial error in paperwork which I didn't catch unfortunately until after I submitted and got denied the first time. I spoke to a representative in XX/XX/XXXX and they said to simply resubmit the application with the corrected information and signature from employer. Since then I've had the form denied and canceled 2 times because they considered it " duplicate '' once in XX/XX/XXXX and another in XX/XX/XXXX. I spoke to a " specialist '' at Mohela in XX/XX/XXXX regarding the particular situation and they put in a " request to review, recalculate, and update my payment tracker '' because he saw that it was a corrected form and indeed not a duplicate and confirmed it was an approved employer. He told me I wouldn't get any notification until the information was updated. When I called today, XX/XX/XXXX to check on the status since I didn't see an update to my tracker, the representative today said the request to review was " canceled, '' but could not tell me why. After waiting on hold for an hour they put in a request for me to speak to a supervisor, but wouldn't hear back for at least XXXX hours. When the call was transfered to confirm my contact information the call dropped and I did not receive a call back. I never speak to the same person and seem to not be able to get this information corrected despite the representatives confirming that the information I am providing them is accurate. The representative either puts in " notes '' or requests that are never completed nor am I given written documentation of the request or updates even though I request for it. I am not given a direct line to call to get this fixed and spend hours calling about the same issue. 

I have also submitted screenshots of the correspondence I have received from Mohela on XX/XX/XXXX that confirmed this employer is approved- as well as the employment period. However, I am told by representatives otherwise and payment counts do not reflect this information I was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: WY

Complaint narrative:
These collections agencies are not bonded, or licensed in my state, and are trying to collect a debt, please remove these from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation