vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX i sent XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any XXXX party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX i sent XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of XXXX i have rights as a consumer that i chose to exercise.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-14 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: TX

Complaint narrative:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Upstate Premier Mortgage, Inc.
State: NY

Complaint narrative:
We have been working with Upstate Premier Mortgage for over a year and the broker, XXXX XXXX has promised closing daily until XXXX XXXX was hacked and delayed the closing because their system was shut down. I believe XXXX XXXX and his company have been involved in fraudulent activity. My personal checking account was also hacked and our credit has suffered immensely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
National Credit Systems are attempting to collect a debt by XXXX XXXX XXXX that is inaccurate. They are using a copy of an inaccurate rent ledger from the original creditor to report this collection as accurate when I have provided them with rent receipts that consist of copies of my money orders and a check from a rent relief program. Eviction was filed on me XXXX XXXX for the amount of XXXX due to an inaccuracy in the leasing office records which I attempted to resolve with the property manager XXXX XXXX and district manager XXXX XXXX with my rent receipts. The issue did go to court in which I acknowledged rent had been paid accordingly except for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the attorney told the judge that they didnt want to discuss the outstanding rent but wanted me to move. In which I was ordered to move within a week. Months later this balance was reported and a copy of this inaccurate rent ledger was mailed to me from a law firm on National Credit System behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: IL

Complaint narrative:
I opened a credit builder account with Chime in early XXXX. The way it was advertised is that if I deposit money into it, I use the card like I would a debit card to pay bill etc. They would then report to the credit bureau. I began depositing 50 % of my checks twice monthly with an average of XXXX XXXX going to that card. This card is supposed to act like a prepaid card. Whatever goes on it, is all that is available to spend. At some point I believe in XXXX, I noticed that my credit score was just dropping instead of increasing like they had promised in their advertising and when I checked XXXX, it showed a balance of {$1600.00} which appeared as though my available credit was negative and dropped my credit score over XXXX XXXX  I then stopped depositing money on that card or using it, and the balance still shows {$7.00} Now the issue is they're saying I owe them {$560.00}. No one was willing or able to clarify where the {$560.00} came from. Since this is not a traditional credit card, there is no total available balance for me to have over spent on that card. I can only spend what I have deposited. Now not only is it showing a balance that is impossible to have, per their advertising, but it is also showing 2 late payments which just hit my credit score again. So despite paying off all of my credit cards and most of my debts, I now have negative payment history effecting my score rather than it improving by getting myself in a better financial position. 
When I've talked to Chime about this, the only thing I've been told is to check monthly statements and they don't understand what I'm asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I request the bureau to promptly begin an investigation into these accounts, as I am consistently on time with payments, contrary to their reported status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 and 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 2023-12-14 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-14 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of experian fraud alert there is a fraud alert and statement on my experian and other credit bureaus as experian also sent request to other credit agencies. I have contacted XXXX 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems experian computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of XXXX  fraud alert there is a fraud alert and statement on my XXXX  and other credit bureaus as XXXX  also sent request to other credit agencies. I have contacted XXXX 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems XXXX  computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently punctual with payments, contrary to the reported late status.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I took out an auto loan in XXXX of XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, XXXX, XXXX credit agency is under fire for not reporting the report XXXX u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
The Department of Treasury garnished my wages and seized my state tax return to pay health insurance premiums for the XXXX XXXX MN when I was in an off duty status from my job as a rural mail XXXX due to an occupational injury that occurred late XXXX through my extensive shoulder XXXX in XXXX of XXXX ( through XXXX ). All of the debt ( from XXXX ) was paid through the garnishment and seizing my XXXX state tax return. I actually believe they took more than the debt. Now they have reported the same debt to the credit bureaus as well as sent me a letter stating I owe another {$1500.00} plus dollars via XXXX XXXX MN. I contacted the Department of Treasury and explained that all of the insurance premium debt had been paid and I do not understand what this letter for collection means. I requested a detailed statement to be mailed to me, I have not received this. I am at a loss as to what this is for. Even when I was finally able to receive XXXX Workmans Compensation for lost wages, which does quality control checks for any insurance payments that are to be deducted from the compensation, the checks came back that I do not owe insurance premium payments. I know this is a federal agency and I am sticking my neck out to report this but this is affecting my XXXX XXXX, my ability to purchase a home and everything is incorrect regarding the debt as well as again posting this to the credit bureaus. In fact, when my mortgage company checked my credit in XXXX, XXXX nothing from the Department of Treasury was on my report and to re-qualify for a mortgage and receive a pre-approval letter my mortgage company checked my credit this month ( XX/XX/XXXX ) and all of this is reported again. This is unbelievably stressful and has substantially increased my already high anxiety. I don't owe anything to them. Why are they doing this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for but are erroneously reported as such.

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 2023-12-14 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-14 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: AZ

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-14 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation