vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
Too much inquieres that make my credit score be low Please I need to dispute all the I quiere stray is like 34 inquieres.

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 2024-06-27 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-27 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and 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 2024-06-27 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never been so furious that my complaint has been continuously ignored. I kept trying to reach out to the company and every time, they never fail to disappoint me. This inaccuracy in my credit report has taken me off of my privilege to apply for many things. It has negatively affected my score and I'm sure no one would be happy about that.

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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
someone trying too get credit cards in my name and not getting accepted or approved.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX i filed a dispute to transunion about incorrect balane on my XXXX credit card. To date they have never responded to the dispute, nor will they reply when i ask about 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 2024-06-27 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry 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
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-27 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Care credit/ synchrony bankclosed my account without prior warning that they were going to close it. They closed it without any reason to close it. It was in excellent standing. The only valid reason they claimed was " not spending/using the account in 6 months. '' But the account was XXXX balance with all R1 payments, meaning excellent standing. When they closed this account it dropped my score XXXX points in a single day in the middle of me trying to qualify for an apartment for my family to move into. I have sense been denied this apartment based on my credit report coming back failed. I have filed a dispute with the leasing company to change this result. I am now in the process of this dispute. I requested the credit company send me a letter stating my account was in excellent standing when they chose to close my account. They did not do so. I asked that it be noted on my credit report. They did not do this. They noted that the customer is disputing this information. Now I am dealing with another hurdle do to their wrongful termination of my account.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A Department of Justice attorney on behalf of the XXXX has issued a settlement check in the amount of {$28000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. The DOJ has proof of the deposit and the amount being cashed that has been shared with XXXX settlement attorney by the DOJ on XX/XX/XXXX. Paid date from the DOJ is XX/XX/XXXX. Check number is XXXX. Status : reconciled. However, Citibank has opted to block XXXX account and has notified him they are severing the account. On XX/XX/XXXX, Citibank XXXX ( XXXX ) instructed XXXX and his lawyer to contact his local Citibank branch to withdraw the transaction and give back the check. XXXX XXXX of the Citibank branch on XXXX XXXX XXXX in XXXX would not answer if her bank would do so when speaking with XXXX and his legal representation. Instead, she hung up on both of them even though they were merely following the direction of Citibank Fraud, of which XXXX was advised. The DOJ has asked that if the bank can not withdraw the transaction and give the check back immediately then to provide a statement so the DOJ can issue a new check to XXXX. XXXX would not answer and again opted to hang up on the callers instead of taking professional and reasonable action by investigating the matter and finding a solution. As of know and because the money has been deposited and cashed with proof from the DOJ, XXXX and his legal representation would like Citi to refund him the money with the interest they have accrued from holding the Federal governments money, immediately. The above is also being shared with the DOJ attorney on XXXX settlement case.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : On Money, XX/XX/2024, I noticed there were two transactions at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas XXXX in the amount of {$200.00} each ( meanwhile I was at work during this time ). I proceeded to contact the XXXX XXXX to inform them that I had not received any money and that it was incorrect. I was advised I needed to contact Capital One to dispute the charges. I contact Capital One and advised I wished to dispute charges and was told that I would receive another card. I felt confident that my dispute would be won since ever time I have had any issues it has been positive. 
Last night I contacted Capital One to inquire of the status and was advised my dispute had been denied and was told I had been sent an email. I check my email every day, check my spam and always review my trash to insure I am not deleting an important message and I had not received anything of such nature. Feeling very discouraged by your lack of investigation, I requested my account in the remaining balance of XXXX or XXXX dollars be closed. Although this is/was not my primary account it is used for emergencies and the loss of XXXX is a large amount for someone trying to survive in this world. 
I have since done research and have discovered that CAPITAL ONE did not follow procedure and that my REGULATION E. RIGHTS were violated because no proof or evidence was ever provided to me regarding my denial. I do recall someone I spoke with last night say or it is because the user had the correct pin. We all are aware that hackers get into computers, stealing identities, holding companies as yourself hostage and requesting ransom because they know how to crack codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Kindly check the documents ; some accounts have inaccuracies in reporting, such as incorrect amounts and dates.

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 2024-06-27 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but Columbia Debt Recovery refused to and continue to further violate me and my rights. I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. I have attached my police report and dispute letters that I have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I realized that my credit was stolen when I got a call from XXXX card services requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX of XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, Capitol One, XXXX XXXX and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), Capital One XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXt XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate information in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, the civil court Summons was left under my apt door. The person who was sued was spelling same name as my name but the address was located at XXXX XXXX XXXX XXXX NY XXXX. I checked XXXX XXXX websites the wrong address, PNC Bank account and XXXX XXXX XXXX account with debt of {$7000.00} was listed. I was shocked because that debt had nothing to do with me. I live in XXXX with Zip code XXXX since XXXX and nerve move out. I nerve know PNC Bank until I saw the Summons. I nerve know that address until listed on the Summons. The XXXX XXXX at Fraudulent Dept reported that the person in XXXX used my SSN and personal Identities to opened credit account and check account in PNC bank. Therefore I reported ID Theft and called PNC Bank Fraud Department with Refence # XXXX and reported to XXXXXXXX XXXX XXXX with Reference # XXXX. I wish the Lawsuit could be dismissed and my credit history could have a clearance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-27 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: LEXISNEXIS
State: MD

Complaint narrative:
I contacted the XXXX ( XXXX ) major credit bureaus ( XXXX, XXXX, and XXXX ) to dispute two ( 2 ) entries regarding a Bankruptcy. The courts stated they do not report to any of the credit bureaus. The credit bureaus stated the entries were verified by LexisNexis. I requested the entries be removed and was directed to LexisNexis. I contacted LexisNexis seeking deletion from all XXXX ( XXXX ) credit reports. LexisNexis refused explain the process they used to verify the bankruptcy entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief