vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Dear Sir or Ma'am, I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth Is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, 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 explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
Several companies checked my credit report without my permission, negatively affecting my credit and credit score. I spoke with XXXX, and they promised that these entries would be removed, but they are still visible on my report. These unauthorized and fraudulent inquiries are causing me significant concern, as Im anxious that I might be dealing with identity theft. This is adding unnecessary stress and further damaging my credit 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There's still a XXXX on my report that should've been deleted along with some inquiries and i see no way to dispute. Of course you can not reach a human being, oh where's the number to even call

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 2024-08-30 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXX/XX/year>

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 2024-08-30 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: NY

Complaint narrative:
XXXX sure my payments are always on time, so its confusing that XXXX marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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 2024-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I DO NOT OWE THIS DEBT : I would like to file a complaint against CREDENCE RESOURCE MANAGE. I received a notification through XXXX on XX/XX/XXXX that CREDENCE RESOURCE MANAGE has placed a collection on my credit report. I immediately contacted XXXX and informed them that I had no CREDENCE RESOURCE MANAGE or on which company 's behalf were they trying to collect a debt. I haven't received any notices from CREDENCE RESOURCE MANAGE this was the first time that I heard of them. XXXX informed me that the original debt collector was XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX any money. I purchased a phone from XXXX back in XX/XX/XXXX at XXXX. XXXX is an authorized dealer for XXXX XXXX XXXX. I returned to the store within 8 days to return the device because it was glitching, and I requested a new device. XXXX requested that I let their technical support team look at the device and I declined I wanted a brand new device because it was clear that the device that I purchased was having some issues. XXXX stated that they did not have the same device in the color that I purchased. At that point, I requested to return the device which I did. In XX/XX/XXXX I received a final bill from XXXX XXXX XXXX for XXXX which I called in and disputed because I returned the device XXXX  days after I received it because the device was defective and XXXX XXXX XXXX credited the {$160.00} charge. 

Around 6 months later I received a charge from. XXXX XXXX XXXX for XXXX I contacted XXXX XXXX XXXX immediately and I informed the customer service representative that the amount was inaccurate. I did not owe XXXX XXXX XXXX any money, I was told that the charge was from an equipment charge. I informed XXXX XXXX XXXX that I returned the device to XXXX. I requested to speak with a Supervisor and I was transferred to XXXX. The Supervisor was able to trace the device and she stated that she saw no usage on the device. The Supervisor stated that if I had the device or if someone else had the device there would be some sort of usage, The supervisor stated that she did not believe that I had the device in my possession and she informed me that she was going to credit the account the XXXX and XXXX out the account. This occurred over a year ago. I called in later that month to verify that the charges were cleared of my account and I was told that my account had a XXXX balance. Now over a year later, the charges are back. I just notified XXXX XXXX XXXX to correct their error. I am requesting that CREDENCE RESOURCE MANAGE remove all derogatory remarks from my credit report. I CREDENCE RESOURCE MANAGE will not remove the derogatory remark I will take legal action. This is a notice of dispute and a request for all documents about my account because I have not received any documentation from CREDENCE RESOURCE MANAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a text from phone XXXX XXXXXXXX, which appearedto be Citibank asking if I had used a card for {$1200.00} XXXX the XXXX XXXX & to reply yes or no. I replied no. I was thanked for confirming this activity & that customer rep would be contacting me soon. Shortly after, I did get a call from what appeared to be a citibank rep from XXXX ( this is the XXXX that is on the back of my citibank debit card ) offering to help secure my bank account to prevent any scams. Subsequently, I was directed to XXXX XXXX XXXX where I was manipulated & scammed into making a domestic wire transfer of {$17000.00} USC to perpetrater account number XXXX with wire number XXXX. I was told that money was placed in XXXX XXXX XXXXXXXX. This was done without my consent, knowledge & was not authorized. I did go to local Citibank branch XX/XX/XXXX & filed a report, spoke to fraud personnell via telephone. On the same day I went to XXXX police precinct & filed a report.As far as I know neither Citibank or XXXX XXXX XXXXXXXX questioned this transaction. I have banked with Citibank for years & never dealt with any huge transactions. I did contact executive team at Citibank, they claimed to done an investigation, but my claim was denied 3 times. I was advised to file a complaint with FTC & FBI internet fraud complaint center, which was done XX/XX/XXXX, Complaint was sent to XXXX XXXX XXXX XXXX XXXX XXXX. They could only act as mediator. 
I have heard from a few people that Citibank is known for denying claims. It is very hard to find an attorney. most dont want to deal with Citibank XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: DISCOVER BANK
State: AL

Complaint narrative:
I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.

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 2024-08-30 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -BALANCE {$5000.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX XXXX {$160.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$3900.00} XXXX # XXXX -BALANCE {$4200.00} XXXX XXXX # XXXX -BALANCE {$510.00} - DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$220.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$21000.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$3700.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$2400.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX -BALANCE {$7800.00} - DATE OPENED XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX {$5800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$61000.00} - DATE OPENED XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX -BALANCE {$14000.00} Unauthorized Inquiries : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX # XXXX -BALANCE {$5000.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX XXXX {$160.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$3900.00} XXXX # XXXX -BALANCE {$4200.00} XXXX XXXX # XXXX -BALANCE {$510.00} - DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$220.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$21000.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$3700.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$2400.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -BALANCE {$7800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX {$5800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX XXXX # XXXX -BALANCE {$61000.00} - DATE OPENED XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$14000.00} Unauthorized Inquiries : XXXX XX/XX/XXXX

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