vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-06 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:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-05 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I was told by TransUnion Credit Bureau back in XX/XX/XXXX that I could not freeze and unfreeze my credit using my pin number that I created because they no longer use that method. I had to answer questions about my file in order to freeze and unfreeze. In XX/XX/XXXX I tried to obtain credit, but my Transunion Credit Bureau report was frozen. Therefore, I had to call them to unfreeze. I was then told that I had answered verification questions too many times that I could not unfreeze my credit. I became frustrated that I could not unfreeze my credit report. On XX/XX/XXXX, received a call from a Transunion Representative who said that I had to send a letter stating that I need maintenance for my credit file. Include a copy of my identification and social security card and File XXXX XXXXXXXX and mail to their office. The representative stated that by doing this, this will enable me to freeze and unfreeze my credit report online. Well, I did as the representative told me to do on XX/XX/XXXX. I received a letter from Transunion on XX/XX/XXXX, stating that Transunion is unable to process my request, or my request was illegible. I called Transunion on XX/XX/XXXX, and told a representative of my problem. She had given me a new case number XXXX and said that someone will call me in 5 business days. Friday XX/XX/XXXX, I received a credit report from Transunion that I did not request. I still have not received a phone call nor have not been able to obtain credit due to the freeze on my report as of XX/XX/XXXX. Also, as of XX/XX/XXXX, I am not able to freeze/unfreeze my credit file online as promised.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a data breach letter in the mail stating that my credit report has been affected by a data breach, on checking my report I noticed some inquiries that I did not authorize, therefore Equifax needs to remove them as. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. Experian is reporting these records in violation of the FCRA.

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 2024-02-06 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: FL

Complaint narrative:
I am deeply troubled and thoroughly disappointed by the unfolding situation in my credit report. It is not only highly embarrassing, but it is evident that either you or the company is responsible for reporting this inaccurate information.

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 2024-02-06 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened an high yield savings account on XX/XX/XXXX. This is an online account because there are no branches in Colorado. I funded this account via an online banking transfer from XXXX on XX/XX/XXXX per Citibank instructions. Without notifying me, Citibank decided to block me out of my account on XX/XX/XXXX and to illegally appropriate my funds without allowing me to move them back to XXXX. I requested XXXX to reverse the transaction on XX/XX/XXXX and Citibank declined on XX/XX/XXXX. After many calls to Citibank with the XXXX department, I was told the issue was that because I funded this personal Citibank account with my business account funds under my registered business name. On XX/XX/XXXX Citibank verified twice with XXXX that I am the legal owner of my business, once while I was on the line with both Citibank and XXXX, and was told my account would be unlocked on XX/XX/XXXX. I called on XX/XX/XXXX and was told my account was still blocked and that they will retain my money for XXXX to 60 days and then mail a check. I complied with all the requirements they asked for. I do need my money now and can not wait for 60 days. Citibank is illegally keeping my money from me, blocking me out of my online banking and not agreeing to a reversal of the transaction to send money back to XXXX ( originator of the funds ). This 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 monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have care credit card through syncrony bank.This card is used for pet needs medical needs only. 

When I use the card and the purchase is over {$200.00} you are offered XXXX interest in 6 months or 12 months depending on where you use the card. 

I have had this card for years. I faithfully make payment. And maybe I am just noticing now but the payment allocation does not seem right and seems like shady practice. 

I had scheuled payments to pay off a balance on a promotion that was ending XX/XX/2024. 

I was looking at my account and the balance left on the promotion didn't seem right. I chatted with synchrony and they advised my {$100.00} payment- the minumum due was applied to XXXX promo and the remaining portion of my payment was applied to a promotion due XX/XX/XXXX. 

All of the balance on my card have promtional due dates with XXXX interest. I do not use this card for normal purcheses. 

When questioning again asking for documentaion regarding payment allocation the person advised that the minimim balance is applied to the promotion that is due and the remainder is applied to regular purhcases. I don't have regular purchases ; only promotion, but they still applied it to a promotion that was not due for months later. 

I was told to call or chat after every payment is made so they can reallocate my payments the way I want them. 

This is so much extra work on the customer. if the customer does not call it will take longer and more payments to pay off the promotion that is due XXXX. And if a customer doesnt notice they are putting the customer at risk for being slapped with back interest on promotions not paid on time. 

One person told me it takes 2-3 months for the payment to be allocated correctly, where aother person tells me its 48-72 hrs. 

I am not even sure what information is correct at this point, but I was not provided any documentation or shown where I could find it on the site

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 2024-02-05 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I requested XXXX XXXX  to validate the debt. They did not provide any of the required information

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 2024-02-05 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: IL

Complaint narrative:
I requested XXXX XXXX  to validate the debt. They did not provide any of the required information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Higher education XXXX XXXX transferred two different accounts to XXXX. At the time of the accounts closing, they reported these accounts to the credit bureaus as me owing {$2600.00} on both of the accounts. Those accounts from XXXX were closed XX/XX/XXXX. The two accounts were originally opened XX/XX/XXXX & XX/XX/XXXX. I do not remember these accounts. 

The new company XXXX is reporting different numbers to all three credit bureaus and also stating I am missing payments on some. But they are reporting to others I am in good standing paying every month. In addition to that, XXXX, who opened these accounts XX/XX/XXXX, 4 days after the accounts were transferred and reported. XXXX decided to add money to each account at different amounts. 

Here are the starting and current amounts on all three bureaus, the closing number is the same across the board, XXXX said I owe {$2600.00} per account. 

XXXX is reporting : XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} XXXX Account 1 : {$3600.00} Account 2 : {$3000.00XXXX XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} These numbers have been reporting different since this started. I have disputed and nothing happens. On XXXX I have not missed a payment, on XXXX I have missed 100 payments. 

XXXX closed the accounts and now they have been consolidated to one account on XX/XX/XXXX. But the amounts are not even correct. You can not add over {$1000.00} in interest in one month and not explain it. I disputed these and nothing was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have hard inquiries on my credit report and don't recognize them. i want them to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute a fraudulent account, XXXX XXXX, on my credit report. This unauthorized entry does not reflect my financial activities, and I kindly request its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I received a copy of my credit report, and I noticed fraudulent accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX$1100.00}

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 2024-02-06 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: Lendmark Financial Services
State: VA

Complaint narrative:
LENDMARK FINANCIAL SERVICES reported an inquiry on my consumer report without fully disclosing to me upon our initial contact that such information was subject to being reported to third parties. They also failed to provide me with an option to opt out of sharing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My car was wreaked in XX/XX/2023 and I had lease agreement with Nissan Motor Acceptance. Per there lease agreement section XXXX I am entitled to a pro-rated amount of my cash reduction money that I put down on the car at purchase. That amount was {$4000.00} of a 18 month lease. The month I had the wreak I had paid 7 months in and had 11 months remaining on my lease. When the car was wreaked it had a payoff value of {$39000.00}. In the State of Georgia Insurance carrier have to pay you the value of the replacement of the car, which was {$43000.00}. Per Nissan lease agreement in section XXXX it states that I will receive a pro-rate term of my capital reduction that I put down on the car. I have in length talked to many people at Nissan that have said I am entitled to a refunded until the other day when I spoked to manager which stated that I would not not receive any refund because the system showed no refunded. The company received an amount exceeded the obligation that was owed and per there lease in entitled a refund {$2400.00}. Essentially Nissan in a way is committing fraud because use cars are selling at a higher value than new cars so it easier to totally cars out and receive a profit on the cars they are leasing when involved in auto accident. The total purchase of the car was {$43000.00} and they received a check for {$43000.00} for my carrier and Im left with losing {$4000.00} on this purchase and another {$4000.00} on the next car I had to purchase out of pocket. The consumer was taken for {$8000.00} dollars of his own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: CA

Complaint narrative:
5 or 6 years ago we had a personal loan with XXXX XXXX. When I became XXXX and went over 1 year with no pay. I worked with all our creditors to include a personal loan with XXXX. This particular loan I worked with XXXX until the loan was to a point they could charge it off. At that same time XXXX shared with us that not to be surprised if a debt collector buys the charge off and will do everything to collect from you. XXXX was correct a collection company named XXXX XXXX came after us. I was not aware of my rights at that time but XXXX negotiated and agree to an amount and payment plan. We set up auto payments and this went un-noticed until XX/XX/2023 when the auto payments stopped. After making some inquiry 's I learned XXXX was no longer trying to collect. Since then a new company REVCO Solutions has been threating us, sending letters and numerus spoofing phone calls. In order to dispute this with REVCO we sent them all the documents as that we had from XXXX. They replied my dispute lacks specific facts. I have called them and emailed them and now they are starting to harass us again with letters and phone calls. we feel this has turned into harassments now. 

Also I talked with XXXX and learned they have nothing to do with this. I have been a member of XXXX for over XXXX  years. I was told as they were concerned this issue was resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite confirmation from associated banks and the submission of documentation, TransUnion has failed to promptly remove fraudulent accounts from my credit report, violating legal obligations.

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