vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: OH

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions. 

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to XXXX XXXX responses confirming the deletion of these items from my credit file. 

Please send your written response to my address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to XXXX XXXX  responses confirming the deletion of these items from my credit file. 

Please send your written response to my address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. 

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 2024-05-10 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from SHEFFIELD FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX This Loan Application letter was sent to my home address in my name stating Dear Applicant Thanks you for your recent application. Your request for a loan was carefully considered. 
They did not give the loan, for which I am thankful I HAVE NEVER APPLY FOR ANY LOAN THROUGH ANY CREDIT AGENCY NAMELY XXXX OR ANY AGENCIES ATTACHED TO XXXX XXXX  But some one was actually trying to apply for loan in my name through XXXX XXXX XXXX XXXX XXXX, GA 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 explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.

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 2024-05-10 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 am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXXXXXX

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I tried to contact the company and say that someone stole my identity but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
This account does not belong to me please remove it from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is incorrectly reporting account XXXX as being PAID, and closed, but charged off with all 3 CRA 's. This account has never been paid ; they are using this classification to keep this data on my credit reports indefinitely. The first date of delinquency was XX/XX/XXXX ; then the account was charged off in XX/XX/XXXX. There has been no payment since the account was charged off. The account per the FCRA should be removed on XX/XX/XXXX, which is seven years from the date of the first delinquency.

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 2024-05-10 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had a Chase checking account for over 10 years and recently they have been charging me $ 12/monthly service fee despite the fact that my account is not overdrawn and has hundreds of dollars in it. I was never charged this for years despite my income fluctuating greatly over the years. This is worse than an overdraft fee because I am being charged it regularly and I dont understand why. They expect people to always have over {$1500.00} in their checking accounts and its really challenging to do that with inflation and the high cost of living today. This fee is predatory and discriminates against low income individuals and households. Because of these reoccurring junk fees I am being forced by Chase Bank to close my checking account. I will have to keep my money at home and will no longer be able to use a checking account. I spoke with two employees at the Chase Bank and neither were helpful and I left in tears. I was offered no solution and was only refunded one of the fees and was told I would be charged more. They made me feel XXXX XXXX XXXX XXXX and I was told repeatedly this was the Banks policy. I closed my savings account and will be closing my checking account later this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since more than 2 months ago my debit card ending in XXXX as not being working, Now im traveling in XXXX and im having the same issues with the card. 
I called customer service, spoke with the representative and told me that they cant send a passcode because the phone number is under different name. I own this phone number since long time ago, and was registered with the bank on XX/XX/year>, I get the app verification codes without any problem. I requested to speak with a supervisor and they denied the transfer and the call was disconnected, I called second chance and also didnt solve this. They said go to the branch, im not USA resident, I opened this with international passport so the bank CANT force me to go to a branch if their system is presenting errors or dont like how my name is written in the Mobile phone 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 2024-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I received a call from citi bank fraud department stating there has been some activity on my account they needed to make sure it was me which it was not me after the call I checked my account and all my savings was removed {$1700.00} I immediately notified the bank that day of the unauthorized wire transfer so they can stop it I filed police report and fraud report with ftc the bank denied my claim the internal case number is XXXX IVE been a customer for over XXXX and never experienced this happening the bank denied my claim please help

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to Equifax 's responses confirming the deletion of these items from my credit XXXX. 

Please send your written response to my address at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
XXXX  XXXX opened : XXXX. XXXX, 2020 AMOUNT : {$830.00} I called this company, they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
XXXX  XXXX opened : XXXX. XXXX, 2020 AMOUNT : {$830.00} I called this company, they never respond.

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 2024-05-10 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: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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