vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 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: NY

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
Dear Equifax Consumer Dispute Center, I am writing to address a concerning issue regarding the handling of a dispute regarding identity theft inquiries on my credit report. I have raised this matter with Equifax on two separate occasions, yet the inquiries remain unresolved, significantly impacting my ability to obtain credit and manage my financial affairs. 

IDENTITY THEFT INQUIRIES : XXXX XX/XX/XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Equifax Mortgage Services ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

As per the requirements outlined in the Fair Credit Reporting Act ( FCRA ), particularly in Section 611 ( a ) ( 2 ), it is the responsibility of consumer reporting agencies to conduct a reasonable reinvestigation of disputed information upon receiving a consumer 's request. In my case, I have provided Equifax with a valid FTC report detailing the identity theft incidents, along with additional documentation supporting my claim. 

Despite providing all necessary documentation, Equifax has failed to adequately address the disputed identity theft inquiries, citing an " Invalid FTC report '' without providing any explanation for this determination. This response is deeply concerning and does not align with the obligations outlined in the FCRA. 

Under the FCRA, Equifax is mandated to promptly investigate disputed items and ensure the accuracy of information on my credit report. Furthermore, if the disputed inquiries are found to be inaccurate or fraudulent, Equifax is required to remove them from my credit report. 

Given the urgency of this matter and the impact it is having on my financial well-being, I kindly request that Equifax conducts a thorough and proper investigation into the disputed inquiries. I expect Equifax to adhere to its obligations under the FCRA and take immediate action to rectify this situation. 

If Equifax requires any further information or documentation from my end to facilitate the resolution of this dispute, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I anticipate a prompt and satisfactory resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] 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, not later than 4 business days after the date of receipt. I contacted Transunion by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. Transunion failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, Transunion failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested a refund due to receiving spoiled food that posed a safety risk. After just one bite, it was evident that the food was spoiled, making it inedible. Unfortunately, my children experienced stomach problems and vomiting for days after consuming it. Despite multiple attempts to contact the merchant and resolve the issue, I was not received automatic response saying it had to be resolved by the store because it was purchased through a 3rd party. No one has solved my issue. The bank refused to refund the {$86.00} spent on the spoiled food. This situation not only resulted in wasted money but also left my children hungry and unable to eat.

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 2024-05-15 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: NY

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address 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 2024-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX I used the federal student aid loan simulator to determine if i would save any money on my monthly payment using the new SAVE program. My payment was estimated at $ XXXX/month, which I determined would not help me. So I did not enroll in the program or submit any further information. 

My student loan servicer then enrolled me in the SAVE plan ( without my consent ) and increased my monthly payments from {$87.00} a month to {$300.00} a month on XX/XX/XXXX. Shortly thereafter I lodged a complaint with Aidvantage stating that I never requested this change. I made the {$300.00} payment in both XXXX and XX/XX/XXXX. 

XX/XX/XXXX I received notification that I was placed back onto the Graduated extended plan and my monthly payment would be {$160.00}, with my next payment being due XX/XX/XXXX. 

XX/XX/XXXX I received another document saying that my interest rate reduction for auto pay would be suspended during forbearance, which my loans were then placed in. 

Between XX/XX/XXXX and XX/XX/XXXX I received three different documents saying my autopay amount was changing ( to a different amount each time ). 

XX/XX/XXXX I paid off one loan account in the amount of {$1300.00}. This reduced my total loan amount to {$21000.00}. 

My account now ( as of XX/XX/XXXX ) sits at {$21000.00}. I have spoken with six different people at aidvantage to no avail. I was told by one agent that i " applied for the SAVE program '' and they were unable to provide documentation. Another agent then told me they have no record of me submitting an application through them so I " must have accidentally applied through Federal Student Aid. '' I know for a fact I did not. The department of education specifically named Aidvantage in a press release on XX/XX/XXXX, stating that anyone placed in forbearance due to servicer billing issues will not gain interest during the time of the forbearance. My account has now gained {$330.00} in interest despite my attempts to fix the issue with my servicer. They said they were going to " research my account '' and that I would heard something back by XX/XX/XXXX. I never heard back. I was then told yet again my account would be researched, and the response I received was a generic document explaining how interest is calculated on student loans. Additionally, the interest was accrued at a higher rate ( XXXX % per loan ) due to my " unenrollment from auto pay. '' I never unenrolled from autopay, the servicer did that for their own gain while I was in forbearance. My accounts have always been enrolled in autopay. 

My forbearance is now over, and I have made my required payment. However, I want the appropriate amount of insurance removed and my student loan servicer to be held accountable to guidelines set forth by the department of education due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-05-15 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: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-05-15 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX  Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.

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 2024-05-15 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX  Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AK

Complaint narrative:
XX/XX/year> my wallet was stolen and my card was used without my authorization for the amount of {$2200.00} my wallet was found in an alley way and someone returned it to me I disputed the charge made on my account and Citibank said I was responsible for the charges I told them I never made the charges that my wallet was stolen they opened a fraudulent charges complaint and issued a new card then they decided I was responsible for the charges I never made they allowed an unauthorized person to make an {$2200.00} purchase with my card

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I have multiple charges from XXXX and XXXX on my chime account. I noticed that someone hacked my account and was charging these different amounts on my account. I filed the dispute last night and this morning, not even 24 hours later they said that they denied it. No real investigative work was done to even determine the validity of the claim.

Company response to consumer: Closed with explanation