vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX 's XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681- 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. the information is, in fact, inaccurate.

15 Usc Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX XXXX, or both.

15 Usc 1681n- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-04-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have reviewed my credit report and I see several issues.. it's reporting open and reporting a balance. and also it's fraudulent. I am a XXXX vet that's trying to obtain credit. im not sure if they got it mixed up with my twin our info is very similar. social security is only one number different. not sure what happen. but I never received proof that this is accurate or the original contract from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CT

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-19 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: CT

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, equifax, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer 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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
I wrote a check on XX/XX/XXXX for {$110.00}. It was cashed on XX/XX/XXXX and available funds after. They even told me it showed available funds after. It bounced anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am trying to pay my lawyer his {$150.00}. I opened a checking account with Discover and they do not let me use XXXX for 90 day lawyer uses XXXX XXXX too. The app said Discover declined and to call them. I did and they said nothing was wrong on their end. Tried again, declined. Called back and the rep told me not to yell at her and I was not. XXXX up and called someone else who finally told me Discover doesn't allow XXXX XXXX anymore because of their security update and to find another way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-04-19 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:
I have reviewed my credit report and I see several issues.. it's reporting open and reporting a balance. and also it's fraudulent. I am a XXXX vet that's trying to obtain credit. im not sure if they got it mixed up with my twin our info is very similar. social security is only one number different. not sure what happen. but I never received proof that this is accurate or the original contract from this 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 2024-04-19 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: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX  XXXX REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY XXXX, XX/XX/24, XX/XX/24. I HAVE NEVER BEEN LATE. 
I CONTACTED XXXX  XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. XXXX XXXX AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF XXXX  XXXX FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was made aware that i was scammed by XXXX  XXXX XXXX  XXXX for my {$450.00}. deposit. I immediately called XXXX and found out about this scam from one of their workers and called my bank Santander as well as the XXXX. XXXX XXXX XXXX XXXX and filed a report. Santander put a permanent freeze on my debit account as well as my checking account. A claim was filed with Santander which put a freeze on all my funds. I was told by Santander that I could close my account with them however not until my fraud case was closed. I was told to write in a request to close the account as well as put in my claim number as i was a victim of identity theft. After waiting over 3 weeks and no answers I called Santander to find out the person who filed my claim entered it incorrectly which in turn was going to extend the wait another 10 days. I had called the bank numerous times and spoke to numerous people who were giving me incorrect information which i found out the next time i called. I have been hung up on by managers, put on hold for people not to pick up after waiting over 30 minutes on hold. No one will help and answer what is happening. After four weeks of no money and no answers I finally got the check in the mail. I called Santander to find out why my account was closed with the fraud case still open they said because of the request to close my account. I explained that I was told to submit that letter and the account would not be close until the fraud claim was closed which they said they closed it because of my request. I called Santander over ten times in the span of the four weeks and everytime I spoke to someone I was told different information. Yesterday over a month since this all started i received a letter saying my claim was closed and I was not receiving the {$450.00} i paid which was a fraud. I tried to call the bank and get answers and no one wants to help me. They can not authenticate me when I call because I had to freeze my credit with all 3 credit bureaus. I have had no access to any money for over a month and was denied a claim that was 100 % true due to being a victim of identity theft and no one will take my call and help me. They just closed out my account and said you are not getting your {$450.00} back that caused all of this

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 2024-04-19 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: CA

Complaint narrative:
The following accounts I wanted to be disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a true identity theft/ Fraud Transunion has once again refused to remove these account and they are violating the XXXX  credit report act law and leaving them on 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 non-monetary relief
Consumer complaint received 2024-04-19 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: CT

Complaint narrative:
I just checked again my XXXX, XXXX and Equifax credit reports and I can see account reporting inaccurately. Please see attached file below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
After I tried to use XXXX XXXX to pay my lawyer and they told me find a different way. My lawyer also accepts XXXX XXXX. XXXX also declined XXXX XXXX. They said there is nothing they can do it's their security and find another way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the removal of these inquiries. I am not familiar with them, and the company conducted them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Shell Credit Car, Sunoco Credit Card and Meijer Credit Card all issued by Citibank recently increased rate to 34 % +. When trying to reject the change the firm makes it very difficult. Called on one and would not do it unless something was updated on the website. Why not allow rejection via website. 

When asked about the increase I was told it was caused by the increase in costs. While we have all been faced with inflation, at one time 34 % was considered usury,,,,,, I suspect they want to eliminate these products. In some cases these are the first credit cards for people. 

While I traditionally pay off the amount owed every month I need to make sure it is understood those who dont will be significantly impacted. 

THIS NEEDS TO STOP

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 2024-04-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CT

Complaint narrative:
Upon reviewing my Equifax, XXXX and XXXX credit reports, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I opened a credit karma spend account through XXXX XXXX as a way to get my tax refund quickly. I had about {$700.00} left in the account when on XX/XX/XXXX I noticed a " XXXX XXXX '' transaction alert come through the credit karma app. It appeared my account was hacked so I froze my card, called and immediately changed my password. I received my new card and still ( as of today XX/XX/24 ) have not activated it. The XX/XX/XXXX amount was for {$89.00}. I put in to dispute it and thought everything was fine. On XX/XX/XXXX there was an attempt to transfer {$5000.00} from my bank account to the credit karma card, which was declined by my bank. On XX/XX/XXXX there were three fraudulant transactions- a XXXX XXXX transfer for {$190.00}, another XXXX XXXX transfer for {$280.00} and a XXXX XXXX XXXX XXXX for {$100.00}. On XX/XX/XXXX I called credit karma and asked to file a dispute and spoke with a representative. I couldn't figure out how money was being transferred as the new card had not been activated. It wasn't until we got into the conversation that I realized that the MOBILE CARD hadn't been changed and it appeared whoever had hacked my account still had access to it. I also asked to unlink my bank account at that time as I couldn't have a potential threat to my actual bank account. The representative assured me it would be taken care of and helped me through the dispute process. On XX/XX/XXXX I received a notice that all of my disputes were denied and that " no error occurred. '' This is not the case as the mobile card should have been changed when I Called in the first time stating my account was compromised. How can I dispute this further?

Company response to consumer: Closed with monetary relief