vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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 emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-05 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: Experian Information Solutions Inc.
State: GA

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. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
I live in Arizona. I received a call at XXXX XXXX  my time. My caller ID stated that it was a toll free call. I didnt answer. The caller left the following voice message that was transcribed by my phone as, This is XXXX medical revenue service this communication is from the debt collector this is an attempt to collect any information obtained will be used for that purpose contact me or any rep XXXX Monday through Friday XXXX XXXX  to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

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. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: GA

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. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Checked the bank automated system for payoff information in XXXX, AND XXXX of XXXX, for payoff balance also statement balance reflected sum total of : ( XXXX ) However, Payment was made in full on XX/XX/year> to Santander Branch. PAYMENT WAS MADE IN FULL However SANTANDER BANK is mischievously trying to implement a unknow fee of interest, which is very misleading from the automated system payoff BALANCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The company in question Citibank, Violated the Electronic Fund Transfer Act. They reported to the Consumer Financial Protection Bureau that the matter was resolved by refunding me {$17.00} on XX/XX/XXXX For a check book for a new checking account which I had no choice but open because My other checking account was compromised with an illegal Wire Transfer for the amount of XXXX was blocked by Citibank. I received a phone call from Citibank in XXXX of XXXX about the suspicious wire transfer and other activities on the account and I told the Citibank representative on the phone that I did NOT make that transaction, I also asked the person on the phone " How will I be certain you're not are a scammer? '' I hung up the phone and validated the phone number and information that it was indeed Citibank. Also, I received emails to my two of my separate email accounts from Citibank about myself registering for Wire transferring services and the wires transfer of {$1300.00} and I responded to the emails clearly telling them that it was not me and I do not know that individual who received the wire transfer from me. Citibank CLEARLY violated the Electronic Fund Transfer Act, I would greatly appreciate your help in this matter and look further into it because there are thousands of other victims like myself and Citibank is not taking accountability but blaming us, Their long time customers. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I'd like to report the unethical practice of preventing borrowers to send in payments in order to charge extra interest or fees from consumers. 

My XXXX vendor offered XXXX  months interest free installment payments serviced by Service Finance Company. I tried to create online account on their website multiple times at at multiple days to send in payments, each time the web says : " We are unable to validate the provided information at this time, please try again later. If this error continues, contact support. '' I called the support phone line asked for help, the support person said I have to wait for a " welcome package '' in order to create online account to start sending in payments. They already sent the package to me but will send it again because I called. I said I'd like to start paying the first installment payment because in case the package is delayed, I don't want to be liable for extra penalties or interests. She told me she can't give me the physical address for sending in payments and I have to wait for the " welcome package '' which will take a few days. I waited and waited and the package never arrive. 

All the email sent by this company has " Donot-reply '' as part of the email address, I couldn't get the physical address to send the payments in any email. I googled and was surprised to find out the company routinely use various tactics to prevent consumers from making payments in order to charge extra high interests. Similar experience was reported by others on XXXX, XXXX and similar consumer platforms. 

I go really worried I am getting scammed and determined to send in payments. Through the power of XXXX, I finally found the company 's headquarter office address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I scheduled an online payment at my bank within XXXX  days of the completion of the XXXX job which is when the first payment is due. The copy of my bank bill pay receipt is available for review. 

Even though my bank sent in the check to the headquarter office address on XXXX XXXX  2024 and today is XXXX XXXX 2024. I still haven't received any email or paper mail communications form the Service Finance Company to confirm the check was received and where to send in future 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 2024-06-05 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unified Global Solutions LLC
State: MS

Complaint narrative:
Unified Global Solutions, LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, sent me an email stating that an account is past due and pending legal possible legal action which may include wage garnishment, through your employer or judgement against you. This may also affect your credit report as negative inquiry. 
I sent an email back to Unified Global Solutions requesting the following information : : Copy of the original contract with signature : Copy of the payment history with original creditor. This is a requirement of which has been established by XXXX v XXXX, XXXX XXXXXXXX XXXX XXXX XXXX App XXXX  XXXX : Please provide verification by line item ( with explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc ) for the entire amount you say I owe obtained from the original creditor. 
: The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any many that you claim I owe. 
: Proof of photo identification ( Driver License, state id, or any other government issued identification card ) that was presented to you at the time of the alleged debt that you say that I owe. 
: Name and address of the original creditor : Proof of collection/debt authorization and assignment. 

Unified Global Soutions response was our office was in compliance and refused to send information. I have all the emails that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This account is not mines it fraudulent and I want it closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year> Hello, I have recently obtained a copy of my TransUnion, XXXX, and XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please REMOVE these inquiries from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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