vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7400.00} Payment Status : Repossession

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: PA

Complaint narrative:
As late as yesterday and today and in the past, Structured Settlement, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV. XXXX phone XXXX has left messages about an attempt to collect a debt from a XXXX XXXX. I have had this phone number for over XXXX years and have received phone calls concerning this debt collection numerous times in the past. No one here has any idea who this XXXX is. I called the company in the past and as recent as yesterday and spoke to a woman and advised her to remove my number from their list. The person who leaves the messages is an unknown male.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX appears on my credit report. It shows I am an authorized user. I called this XXXXXXXX XXXX and they had no record of me in their system. 

I called and had XXXX XXXX and experian remove this from my credit report. 

However I am having difficulty getting equifax to remove. I am being told different things by equifax. Can you please help me get equifax to remove this from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MD

Complaint narrative:
I wanted to consolidate ALL of my XXXX loans, I submitted an application on XX/XX/XXXX and it was processed by XXXX. However, XXXX says XXXX only consolidated XXXX of XXXX loans. On XX/XX/XXXX, ( after verbally telling me all my loans were consolidated ) XXXX  say they have no record of my loan consolidation and will not accept my email to verify that I submitted an application. I need all my loans to be consolidated in order to qualify for XXXX XXXX XXXX XXXX ( XXXX ) program. Please help. The deadline to consolidate was XXXX XXXX, but I was never informed that my loans were not consolidated. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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.

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 XXXX 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSAACTIONS DONE BY ME.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I have asked for a debt validation letter I did not get XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX, me and my business partner decided to start a company he invested {$31000.00} in the form of a check made from his company. we decided to keep funds in my account until our new company 's filing was done and company account was opened- I opened a Chase savings account attached to my Chase checking account and deposited the check - The check was deposited in pending status and showed the funds would be available on XX/XX/XXXX - On XX/XX/XXXX chase restricted my account citing, suspected fraudulent activity and to call them urgently - I called chase and they stated they need to verify that the check was issued by the creator to me. I gave them the number of the check issuer chase declined to use that number. Chase stated they can only call the number in their system, at the same time chase they do not have any phone number in the system of the check issuer and thus can not call anyone. Chase basically stated we can not take their office number, and stated at the same time they do not have any number to contact ; therefore permanently freezing the matter. 

- Chase stated to tell the issuer to put a stop payment on the check have the check returned. and re deposit as cashier 's check. this will also remove the restriction. 

- I contacted the check issuer to do so. their bank informed that the funds have already left their account therefore they can not do a stop payment - the check issuer went to their nearby chase branch with the receipt of the check to verify ; they indeed wrote the check to me and that it was legitimate. chase denied to accept that as a resolution- Around XX/XX/XXXX, chase closed my checking and savings account. We were waiting for the funds to be returned to the issuer but almost XXXX weeks has passed and there ar eno funds -The issuer contacted their bank ( truist ). XXXX stated they can not do stop payment they can only dispute the check with chase as if it was a fradulant check and therefore have it on my record that i deposited a fraudulent check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
XXXX Equifax and XXXX continue to violate my rights as a consumer both FCRA and The Privacy Act of 1974 by furnishing items to my consumer report without written permission from me or without conducting there due diligence to make sure the other party provides us the Consumer a Privacy Notice before they are allowed to place items on my consumer report none of these XXXX where done. Non compliance can also be proven as these XXXX credit reporting agencies have all brought back my disputes as verified when I am the customer and I am saying I didnt authorize it so why are there hard inquiries on my report when there isnt and account tied to it. Why are there Charge Off/ Collections accounts listed on my reports when a charge off is a certificate of Indebtness which makes it income to me which according to law cant be place on my consumer report against me, niether have none of there verified corporations send me a XXXX for the Cancelled debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
XXXX XXXX and Experian continue to violate my rights as a consumer both FCRA and The Privacy Act of 1974 by furnishing items to my consumer report without written permission from me or without conducting there due diligence to make sure the other party provides us the Consumer a Privacy Notice before they are allowed to place items on my consumer report none of these two where done. Non compliance can also be proven as these 3 credit reporting agencies have all brought back my disputes as verified when I am the customer and I am saying I didnt authorize it so why are there hard inquiries on my report when there isnt and account tied to it. Why are there Charge Off/ Collections accounts listed on my reports when a charge off is a certificate of Indebtness which makes it income to me which according to law cant be place on my consumer report against me, niether have none of there verified corporations send me a 1099C for the Cancelled debts.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed the account of XXXX XXXX XXXX with the three credit bureau on XX/XX/year> and on XX/XX/year> and I havent received any information still unverified I asked for a contract signed and how are the verified documents signed I have been trying to fix my credit to buy a house and this unverified account hurts my credit score thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
On XX/XX/year> my wife and I booked flights with XXXX XXXX to fly from XXXX, XXXX XXXX XXXX XXXX and return flights from XXXX to XXXX. We used my wife 's American Express credit card to book the flights so that we wouldn't have baggage fees. The credit card statement shows all legs of the trip are with XXXX XXXX. We flew from XXXX to XXXX with no baggage fees. Upon arriving at XXXX for our return trip we found out that XXXX had changed our flight to XXXX XXXX. The attendant at XXXX XXXX would not issue our boarding passes unless we paid her {$150.00}. I explained to her the relationship that XXXX and American Express have regarding baggage fees. She didn't care. I put the baggage fees on my American Express credit card so that we could get our boarding passes. 

Upon returning to XXXX I filed a complaint with XXXX asking for reimbursement for the baggage fees. XXXX refused, so I filed a complaint with the XXXX XXXX XXXX XXXX I am waiting to hear back from the XXXX I disputed the charge with American Express to no avail, even though I told AX about my complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I sold the car. My next loan payment was due on XX/XX/scrub>XXXX XXXX XXXX but in XXXX, a late payment appeared on my credit report. This is incorrect, as the car was sold, and I informed the bank about it. They assured me that my notification was recorded and that no late payment would appear on my report. I do not know why the transaction took so long. I request that the late payment be removed from my credit report. I can provide the car sales contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal complaint against Equifax for failing to properly address my identity theft claim regarding fraudulent accounts that appear on my credit report. The fraudulent accounts in question are : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have been a victim of identity theft, and I did not authorize anyone to use my personal identifying information to open these accounts. As required by the Fair Credit Reporting Act ( FCRA ) 605B, Equifax has a legal obligation to block and remove fraudulent information from my credit report once I provide sufficient documentation. 

I submitted all necessary supporting documents to Equifax, including : A government-issued photo ID An Identity Theft Report filed with the Federal Trade Commission ( FTC ) A detailed statement of unauthorized use of my identity Despite this, Equifax has failed to act within the legally mandated four business days to block the disputed accounts and has not provided any confirmation that the accounts were removed. This failure to comply with the FCRA has caused ongoing harm to my credit file and has impeded my ability to secure financial stability. 
Violations of Federal Law : FCRA 605B ( c ) ( 2 ) ( A ) : Requires Equifax to block and delete fraudulent accounts from the credit file within four business days after receiving evidence of identity theft.

FCRA 605B ( b ) : Prohibits Equifax from re-inserting disputed information without providing written certification of its accuracy. 
Desired Resolution : The immediate deletion of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts from my credit report. 
A written confirmation of the deletion of these accounts. 
XXXXssurance that no reinsertion of the fraudulent accounts will occur unless Equifax complies with all requirements under FCRA 605B ( b ). 
Equifaxs lack of timely action has violated my rights under federal law and caused unnecessary stress and financial damage. I request the CFPBs assistance in holding Equifax accountable for their noncompliance and ensuring that my credit report is corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX XXXXXX/XX/year> I accidently made a balance transfer to my Citi credit card. I called Citi bank right away to ask " don't accept this transfer because I send it accidently. Citi bank rejected this my request. Because I overpayed the credit card balance I used that money to make a credit card balance {$0.00}. In 2 biling cycles XX/XX/XXXX, I've seen a transaction " Refund procces '' on exact amount my rejected request on XXXX. Citi bank told me they sent " the check '' to me on XX/XX/scrub>XXXX XXXX XXXX I did not get any mails from Citi. I religiosly call to Citi bank every 2 days and I get only 2 hours or my time and non any adequate response. I asked Citi to make a deposit to my checking account and also could not get the rsponse and money on my account Already, 1 month passed anf only by XXXX I will get only the result of their own mistake. Please, could you direct me to some one who can help me.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief