vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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 am rewriting to complaint to EXPERIAN about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-05-30 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: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I am in a divorce and my soon to be ex-wife has been changing all my personal information to her email and address on various credit cards using the below information. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX and various email addresses ending XXXX I have not autorized her to use any of my accounts and she is using the cards in my name.

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 2024-05-30 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This debt was sent to collection by XXXX  an auto insurance the balance was {$170.00}. 
i contacted the debt collection agency and i told that if i pay XXXX, i will be removed from my credit and i would not have to worry about it anymore. 

I paid the amount required but it is still being report of my credit while i do not owe them any money. 
They lied to me saying that it will be remove within 30 days but they have not respected their statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reported companies and affiliates Equifax, XXXX XXXX XXXX  XXXX  al are in possession of my stolen credit card ( social security ) 15 usc 1602, absent knowledge, consent or agreement. 15 usc 1692c ; 15 usc 6802. Companies refuse to cease and desist usage of identified theft accounts which I have identified in the attached identity theft report. 15 usc 1681 c-2, 4 day block. I have demanded block of usage of these identity theft accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 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: CO

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-30 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: CO

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 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: NJ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-30 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: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-30 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: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A cash deposit in amount of {$350.00} was made on XX/XX/year>, bringing my account balance to - {$41.00}, below the overdraft threshold amount of {$50.00}, set by TD Bank, Please note, the deposit showed as " pending '' even though it is cash and made with a teller at XXXX, CT branch, the pending status may or may not have to do with overdraft fee charged ... An overdraft fee appears to have been charged for a paid item in amount of $ XXXX XXXX XXXX. As far as I understand, the overdraft amount, - {$41.00}, is below the threshold and a fee should not have been charged, unless I am mistaken. I attempted to reach TD Bank corporate office in re, unable to reach a live XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid this account in full and it showing negative on my credit report XXXX XXXX has been paid in full I already submitted a dispute and also a complaint XX/XX/24

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid this account in full and it showing negative on my credit report XXXX XXXX has been paid in full I already submitted a dispute and also a complaint XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by XXXX of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX Transunion and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great strife and many financial setbacks. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this XXXX 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by XXXX of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX XXXX and Equifax told me. Basically the XXXX balance statement is worthless.This has cause me great strife and many financial setbacks. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for XXXX XXXX I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by one of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what Experian XXXX and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great XXXX and many XXXX XXXX. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this one 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 2024-05-30 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 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: NV

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-30 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an inaccurate 30 day late payment that I wont remove from my credit report immediately. Please report all payments paid on time.

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