vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company isnt bonded and is an illegal company ( based in XXXX ) that falsely reporting two accounts on my credit reports. 

Please investigate them and have them remove these XXXX  accounts from my report that isnt mines ( XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: MI

Complaint narrative:
I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question :. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not given authorization for these inquiries and firmly suspect them to be fraudulent. I implore you to carry out a comprehensive investigation and swiftly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
In my original complaint to Chime, I reported an authorized transaction made by a merchant I hadn't used in over a year, and stopped using once my trial ended. My chime balance was sitting at {$0.00} for months and unbeknownst to me, XXXX XXXX was still trying to charge my account despite not using them and cancelling my subscription. Once I discovered that XXXX XXXX had successfully overdrawn my account, that is when I decided to contact Chime. I explained that I did not have an overdraft feature on my account, so I'm confused how this transaction was even allowed to go through. The person I spoke to at the time agreed. They opened my dispute for me, the merchant was supposedly blocked, and my money was refunded within a few days. This happened several more times with this same merchant, each time I was promised that the merchant would be blocked. I found out months later that I have consistently had this problem with Chime and the merchant since XXXX XXXX Chime is unable to secure my account and Chime allows blocked merchants to steal money from their customers. How is it possible for a transaction to decline 14 times then be approved on the 15th despite being blocked and the account have XXXX dollars? This is not ok, and despite discussing this over the phone with customer service, my dispute was ignored and declined. I have included all the screenshots required to make a fair decision. I need to know how my first dispute was accepted but the second one, that was unauthorized in the same manner as the first one, from the exact same merchant, was proven to be accurate and a legitimate transaction??? Please look at the screenshots attached for further context.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX service Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX. Went to XXXXXXXX XXXX  in XXXX Louisiana and XXXX in XXXX. I have been making payments on loan for 25 years at almost XXXX , a month. I should be done paying this loan. I have on numerous occasions called, sent letters on how to stop these payments. I received NO help. Please tell me what I have to do. I am on a fixed income and retired and can not pay XXXX a month any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I do not have a contract with XXXX main financial. I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.

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 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Yesterday XX/XX/XXXX I saw that two payments totaling {$6800.00} were removed from my bank account by Aidvantage. 

I called yesterday XX/XX/XXXX and spoke with someone at Aidvantage. We confirmed the statement from XX/XX/XXXX for payment coming out on XX/XX/XXXX would be for two payments totaling {$1000.00}. The person I spoke with said they would offer me a refund and she needed to email her supervisor. I asked to be CC 'd on the email. As far as I can see on my end no email was sent. She asked if I wanted to go off auto pay, as if that would fix the issue. If you receive a bill for one amount how does that amount multiply by 6 without notification? 

I sent an email to loan servicer the evening of XX/XX/XXXX stating this same statement above. No response this morning. 

I called again this morning XX/XX/XXXX and spoke someone and relayed the story again. She said they can not do refunds or wire transfers and that I would now need to contact my bank to dispute the charges. This woman also alerted that we can never talk to the same person again when I asked her name. SO each time we call we talk to someone different and need to relay the same story again and get a different answer. 

When I spoke with my bank to dispute the charges, my bank notified me that it could take 10 plus days to receive this money back. I Why are there numerous stories and ways to handle things. This loan company stole almost {$6000.00} dollars from my bank account and I now need to fight to get it back. 

This degree of error could be detrimental to someone causing overdraft fees, late bills such as mortgage payments while they wait for funds to be returned. Its inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.

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 2024-03-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.

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 2024-03-15 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-15 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 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: IL

Complaint narrative:
XXXX was the student loan debt holder. Student.gov sent me a letter exonerating my balance in full. I sent the letter to Experian XXXX XXXX to clear my debt through their dispute center and nothing has been done to close thos account on 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 explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries were not authorized by me and I strongly believe they are fraudulent. I urge you to conduct a thorough investigation and promptly eliminate them 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