vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 opened a XXXX XXXX XXXX XXXX  years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TN

Complaint narrative:
I was contacted by this company who stated that I owed them for a washer and dryer rental/purchase. This account does not belong to me. I did rent a washer and dryer from XXXX over a decade ago. However, that up account was paid off in less than a month. I do not know anything about this current account or who opened it. I spoke to two different people at this company and asked them to provide verification of this debt but they refused and were very rude and threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I don't know why these inquiries are on my credit report. Experian refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and Experian doesn't even give the full name of the company. So how am I supposed to contact all of these companies? 

Here is a list of all the inquiries that are incorrect : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX Important dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights.

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

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 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I refinanced this vehicle with XXXX XXXX XXXX XXXX. The sent me a payoff check to forward to NMAC. They claimed they never received the check. XXXX XXXX stopped payment on that check and sent me a second payoff check which I forwarded to NMAC this time via XXXX  with tracking. XXXX tracking shows the check being delivered to NMAC. As of today, XX/XX/XXXX  NMAC again says they have received no such payoff checks. This Is 2 payoff checks that they have now lost while my late payments are accruing and my credit score is taking a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I submitted a complaint again dated XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I submitted a complaint again dated XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company was dishonest as to stating they were following all guidelines required by the FCRA. Company is still in violation of Sec. 1681a. Definitions ; rules of construction which states The term Consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments consist of experiences between cras and consumer which are prohibited by the FCRA as provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am looking to purchase a Home and once I looked on my credit I see XXXX accounts that I never seen before

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am looking to purchase a Home and once I looked on my credit I see XXXX accounts that I never seen before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every XXXX XXXX 

I have provided evidence that BSI did not process my XXXX payment as required by law, and never applied the funds to my balances. BSI showed on my account that they would not process my XX/XX/XXXX XXXX autopay and demanded an entire additional mortgage payment to bring my account back to current after taking my payment and refusing to apply it.

After the additional one time payment I made was processed, BSI took an extra payment on XX/XX/XXXX that I did not authorize for the amount of {$1200.00}. This is the amount that I initially set up for autopay but BSI refused to process, choosing instead to skip to the XX/XX/XXXX payment. 

In taking this payment without my consent, they overdrew my bank account and made my balance negative. BSI falsely put my current account in past due status, lied about the payments they were taking, and demanded payments they were not owed. Most egregiously, they stole more than {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Unknown Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, DEPTEDXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, has violated my rights. 

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 an account without my written instructions

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
there are credit cards on my credit report that ii have no knowledge of that i never used or authorized

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have been with Citi Financial since XX/XX/XXXX. I've had one credit card ( 2 accounts ) and have never had a payment go 30 days late in the 10 years I have had an account with them. Never! XX/XX/XXXX I received a notification that Citi Financial was decreasing my credit limit by XXXX  XXXX from {$19000.00} to {$8000.00}! First, any company that would reduce an on-time loyal customer by {$11000.00} is just bad business! Secondly, my balance with Citi at the time was {$7800.00}. Because of this abrupt and unwarranted decrease, it has also caused my credit scores to drop by almost XXXX points because my utilization instantly increased to 95 %! Have I made payments after the due date? Yes! Have I ever went 30 days late? No! Have I ever been negligent in paying Citi financial? No! Even when I went through a temporary hardship, I called and asked for help. Asked for a pay deferral! They advised they couldn't help! So because I valued the relationship and my credit history, I still paid them on time even when it was a sacrifice to me! But for them to drop my credit limit by {$11000.00}. This is unfair and unethical! It is also an unfair practice under XXXX and XXXX XXXX! It's unfair and deceptive! And to also do this without warning adds to the 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Earlier today I reported experian for not reporting payments to accounts on time now they retaliated by dropping my score when they are suppose to raise the score because the debt is paid. Experian retaliation efforts is just going to make me keep reporting until they go out of business. They are breaking every law imaginable.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
After recent review of my Credit report ( s ), I found that there are numerous Hard Inquiries on my report that I did not authorize. The following are those inquiries I am referring to. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief