vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: PA

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-29 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was an FTC report filed in XXXXXXXX XXXX XXXX and last month I sent an updated letter to Experian informing them that the unauthorized inquiries that were included in the FTC report over 9 months ago are still reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following inquiries immediately : 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 2024-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank of America approved by loan modification to avoid foreclosure on my home residence and future hardships for me in my old age with limited income social security income. The application documents were sent and approved on XX/XX/year> and I was sent new terms to start on XX/XX/year>. I signed and notarized and sent the documents through the bank directly. The loan servicing center of the bank objected that the original documents were not sent and asked to be sent again, so then I sent the original copies to the bank in the mail. Then they said they were not signed appropriately by the bank branch and then directed me to go to the bank branch XX/XX/year> ( today ) and execute the documents again but the bank manager of the XXXX branch, called the loan servicing center on the phone and she was told that it is the last day of the 1 month completion date of the documents so they directed me to send a new application starting with a new request/application. this application has already taken me 3 months to get the approval and I made efforts to collect almost {$90000.00} from different sources to reduce my current balance that is i.e. {$260000.00} from {$500000.00} which the bank is not properly debiting through the new terms effective XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct 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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am an authorized user of my father 's Home Depot credit card. However, the card is used primarily by me to purchase building supplies for my business in XXXX Michigan. 
The card expired around the summer of XXXX  and new cards were requested. However, in late XXXX or early XXXX of XXXX, several of our mail was stolen/missing, which included the Home Depot replacement cards, a check for {$17000.00}, and other important pieces of mail. 
We immediately noticed the post office, Home Depot, and the bank that issued the check. 
In XX/XX/year> Home Depot sent out a monthly bill. I immediately noticed several charges that were unfamiliar to me and were done at the local XXXXXXXX XXXX XXXX Home Depot. These purchases were done on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, totaling {$1400.00}, all on the cards that were stolen. 
I have tried on several occasions to clear these charges with Home Depot but to no avail. I also pointed out that I do not use this card for purchases in any other state but Michigan, yet several months later I am unable to resolve 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 monetary relief
Consumer complaint received 2024-04-29 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE.

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU.

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 2024-04-29 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: MI

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-04-29 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-04-29 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-04-29 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: CA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY 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 2024-04-29 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: NY

Complaint narrative:
I am submitting this report to address the severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Equifax, XXXX, and XXXX. Unauthorized accounts opened with XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX constitute identity theft. Moreover, numerous FDCPA violations, including harassment, false representations, and failure to validate the debt, have been committed. Despite being informed, Equifax, XXXX, and XXXX have failed to correct this misinformation on my credit report, damaging my financial reputation. I demand immediate action to rectify this injustice. 

Equifax, XXXX, and XXXX are in violation of FCRA 1681 ( 2 ), mandating the immediate removal of fraudulent accounts. Furthermore, I have not given permission for XXXX, XXXX XXXX XXXX, XXXX, and XXXX  to furnish false information. Their unauthorized dissemination of inaccurate data violates my privacy rights. I urge prompt investigation and enforcement actions to correct these violations, uphold consumer rights, and prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
I am submitting this report to address the severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX, XXXX, and Experian. Unauthorized accounts opened with XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX constitute identity theft. Moreover, numerous FDCPA violations, including harassment, false representations, and failure to validate the debt, have been committed. Despite being informed, XXXX, XXXX, and Experian have failed to correct this misinformation on my credit report, damaging my financial reputation. I demand immediate action to rectify this injustice. 

XXXX, XXXX, and Experian are in violation of FCRA 1681 ( 2 ), mandating the immediate removal of fraudulent accounts. Furthermore, I have not given permission for XXXX, XXXX XXXX XXXX, XXXX, and XXXX to furnish false information. Their unauthorized dissemination of inaccurate data violates my privacy rights. I urge prompt investigation and enforcement actions to correct these violations, uphold consumer rights, and prevent further harm.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX is reporting inaccurately and in violation of several FCRA statutes including code 15 US 1601. 

Account number XXXX is reporting the following inaccuracies. 
Credit Limit Date of Last Active Date of Last Payment Last Reported Reporting Status Late Payments No Payment history on Transunion

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 2024-04-29 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist bank denied me access to our joint account that my name is on and am a signer on the account with my wife. No logical reason was given for their behavior.

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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've had a Home Depot card for almost 4 years. I've made every payment on time except for the last one. I made the XX/XX/XXXX payment 10 days late. A late {$29.00} fee was assessed on the day the payment was due, and they pulled my credit report, without my permission, and sent me a derogatory credit letter. They also lowered my credit limit to {$800.00} from {$6000.00}. After calling on XX/XX/XXXX to rectify the situation, I was transferred 4 TIMES- with each person telling me that they weren't going to transfer me. Their customer resolution system is broken, and the final rep was rude. I want my credit limit rightfully restored, and the bs {$29.00} late fee credited to my account. I also want a written apology from Home Depot Credit " Services '', as their treatment of me recently was condescending, rude, insincere, and inept. I was treated like a worthless person for paying one payment, out of forty two, ten days late. Customers deserve better than that!

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 2024-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I haven't kept paper records of my loans ' principal and interest amount because I can check them whenever I want on studentaid.gov, but the last time I looked at my loans I had around {$38000.00} total debt about 6 or 8 months ago. Back in XXXX or XXXX when I first got finished with school. I owed like {$19000.00}. Over the last 19 years, I have reached up {$19000.00} in interest. But NOW, right when the interest was set to be forgiven, my interest amount on my loan is {$5000.00}. 

How can that have been reduced by {$14000.00} unless Nelnet. My new loan servicer, refinanced my loans without my knowledge or unless they are showing an incorrect amount. My husband has the same problem. His student loan interest amount went from like XXXX to {$1000.00}. 

Someone needs to look into this company. 

Also, every single month they send a bill with a different amount under the past due amount. My husband and I both signed up for the Save plan in XXXX either when the loan payments were set to start back. We had to end up filling out the application three or four times before they, Nelnet, finally responded that we had been signed up and by that time, we both had a month of payments due. It was my understand that that amount should've been reduced to XXXX  now that our payments every month are XXXX dollars, but we get a bill one month saying we {$350.00} or some odd Dollars and the next month is says XXXX dollars owed and then next it's back to {$350.00}. I don't have the documentation to prove it but something fishy is going on with this company. 

We never had this problem when we dealt with Great Lakes Loans out of California, but ever since we were stuck with this company back in XX/XX/XXXX, we've had problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
XXXX has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!

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 2024-04-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I reviewed my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

[ XXXX XXXX XXXX XXXX XXXXXXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not 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