vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : {$35000.00} XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: TX

Complaint narrative:
When reviewing my income reported to the IRS for tax year 2023, I noticed a 1099-NEC was filed with the IRS from XXXX with my name and SSN, but my address was an address I've never lived at. I've also never worked for XXXX. Victim of identity theft. My SSN was used by someone to gain employment with XXXX. When asking for records associated with this fraud, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MO

Complaint narrative:
I sent the attached letter to equifax to dispute my bankruptcy. They have sent stall letters and a letter claiming my identification was not legible. I sent it back but still havent received a Responce. I demand immediate removal of my bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-10 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-10 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 hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to correc the late open accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the accounts remains on my credit reportas late payments, adversely affecting my creditworthiness. I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by correcting the late open accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.

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 non-monetary relief
Consumer complaint received 2024-06-10 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 hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to correc the late open accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the accounts remains on my credit reportas late payments, adversely affecting my creditworthiness. I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by correcting the late open accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : 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 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

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 2024-06-10 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: NY

Complaint narrative:
I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I tried to fix this issue and they keep charging me interest. I was charged {$900.00} of interest and now {$76.00} each month of interest thereafter. 

They are still charging interest on the same item. This is extremely predatory

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NY

Complaint narrative:
Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I would like for these hard inquiries to be removed because I did not authorize these companies to run my credit. That's fraudulent

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail XXXX reiterating my previous communication and resubmitting the documents. To date, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I signed up for school at XXXX XXXX and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

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 2024-06-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-10 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX Account XXXX : {$32000.00}

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 2024-06-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Spoke with Citi bank about late fees that occurred due to Citibank taking me off autopay. When I spoke to the rep they advised me that my late fees would be refunded to me within 5-7 business days. After that no refund was given and I was told they were unable to refund the {$150.00} in fees that they originally promised. No reason was given for the company refusing to fix their error. They then proceeded to contact me from morning to night every day. In a month I estimated they called me nearly XXXX to XXXX times. Even after requesting that the harassment stop I was called. I have requested multiple times to speak to someone and have the harassment addressed and the main office continues to intentionally ignore my requests. I've since spoke with the XXXX and CITI continued to not even try to solve this issue and instead provided a generic message claiming they would reach out but never made an effort to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief