vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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:
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.

has violated my rights. Or a list of inquiries : 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 seven 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 non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-22 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: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NV

Complaint narrative:
Incorrect inquiries on my credit report : XXXX ) XXXX XXXX XXXX XXXX XXXX DATE / XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX ) XXXX OF XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX XXXX/ XXXX XXXX XXXX DATE / XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY XXXX / XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/year> ) XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/year> ) XXXX ) XXXX XXXX, XXXX ( INQUIRY DATE/ XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have tried and submitted everything with amex and they refuse to work with me and keep saying the credit card someone else applied for is mine and I have to pay it. 

I have fought with them and provided evidence and police reports for over a year now and they still keep jerking me around. 

Fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-22 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: DC

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 seven 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 2024-02-22 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: NJ

Complaint narrative:
To my complete and unbiased knowledge ( * XXXX XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction.

I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete these evictions from my report 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 2024-02-22 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: FL

Complaint narrative:
I recently viewed my credit report and see inaccurate information

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 2024-02-22 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: NC

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. Macy 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by Macy 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from MACYs. 

I called MACY 's and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. Macys never sent me monthly statements via mail or email too. I have asked Macys to close this account since I wasn't aware of this credit card account. 

Based on my simple google search, It looks like there are a lot of people affected by Macys by creating credit card accounts without their knowledge. This is very concerning about Macys and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past 5 years of my stay in XXXX and this one fraudulent activity by MACYS is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Recently checked my profile and realized that personal and confidential information including my social has been compromised. This hinders me from opening bank accounts which is needed to handle day to day activities. My life have been heavily impacted by this and something needs to be done. I've read according to Federal Consumer Reporting agency that all consumers must be protected in case something like this occurs. In my name there are 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  As you can see there are multiple banks that used my personal information. Need to be cleared from these institutions.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NV

Complaint narrative:
Inaccurate inquiries on all my credit report : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I keep getting calls from a key locating service from Arizona, thats how they explained it to me. They call, sometimes, several times a day with different phone numbers. When I confronted the caller she said, oh its different services, they use. Most times, when they call and I answer, they just hang up. When I do get an answer, they are abrupt and aggressive about me identifying myself with personal information, so they can continue the conversation, is what they tell me. When I do not provide personal information they become almost threatening saying Ill be hearing from them in this litigation matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: NM

Complaint narrative:
In XXXX, I closed my XXXX XXXX credit card XXXX With XXXX balance. 

Four years later, I found out through XXXXXXXX XXXX monitoring that the above account was open and late by several payments. 

I immediately contacted XXXX XXXX XXXX They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXX, FL. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXX, FL. 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by XXXX Now XXXX four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : Hayt, Hayt & Landau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX I never owed any money to XXXX XXXX I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, 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 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, Synchrony Bank lowered the credit limit on my Lowes credit card from {$20000.00} down to {$1500.00}. Then on XX/XX/year>, they closed my Lowes credit card. Both actions were done without any warning and in a span of just 3 days from each other. 

When I called Lowes on XX/XX/year>, spoke with supervisor XXXX, ID # XXXX, and asked him why first slash the credit limit like that and then close the account 3 days later, he told me that : 1 ) Both decisions ( to lower credit limit and to close the account due to inactivity ) were fully automated, without any human review, decision or approval ; 2 ) These decisions can not be reversed no matter what.

I feel that the practice of lowering the credit line due to inactivity and then closing the account due to inactivity 3 days later with no warning, is highly deceptive. This is because, after I saw the credit line decrease via my own credit monitoring, I was deceived by it into thinking that the " action due to inactivity '' has already been completed, and that now I have a few weeks or months to use the card again to show activity. I was in fact planning to use the card in a few days to purchase some filters for my furnace. I could not have possibly expected that my account of 13 years with perfect payment history would be abruptly closed 3 days later. 

I also feel that it is not right to entrust such decisions that can result in damaging one 's credit history to an automated system- without any human review! - and then to advise that the decisions taken by said automated system without any human review can not be reversed no matter what.

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 2024-02-23 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: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$55.00}

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
After verifying if your company is licensed in the State of California as a collection agency, NMLS consumer access states Sequium Asset Solutions , LLC is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the XXXX Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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.

Complaint narrative:
While checking my credit score, showing missed payment of XXXX XXXX  of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies equifax, XXXX, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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.

Complaint narrative:
While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/2023 on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, XXXX, Experian credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.

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