vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my XXXX well-being but my requests and complaints kept getting ignored or disregarded which furthers the XXXX  impact on both my life and my credit.

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 2024-09-03 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: TN

Complaint narrative:
For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my mental 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 non-monetary relief
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had someone fraudulently try to access my online banking account that is required for 53.com ( Fifth Third Bank ) to process my mortgage payments. I called them to report the fraud and they told me to call back tomorrow. Additionally, it is impossible to get a human through their online banking or phone routing system. I essentially used * multiple times to get to the credit card department to see if they couldn't route me to someone or help me. 

I am writing this complaint after continual " non-customer service '' and they are not taking any steps to address a fraudulant access to my account. 

I am stuck with them after they purchased my mortgage so I did not choose this bank by choice. 

What can be done to make them more responsive fraudulant activity? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
An account that I do not recognize has appeared on my credit report. I suspect it could be related to identity theft or fraudulent activity.

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 2024-09-03 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: NJ

Complaint narrative:
Tonight, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. I routinely check my report, but this time, there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. I urgently request that the documents Ive submitted be reviewed in detail so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PR

Complaint narrative:
Complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a. A line item listed on my consumer file as XXXX XXXX XXXX. 
Your company EQUIFAX is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. It is unlawful for EQUIFAX to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX. However, XXXX XXXX XXXX ( The Person making the report ) has purchased my charged-off debt from XXXX XXXXXXXX. Therefore, I have no transactions and experiences to be reported to EQUIFAX by XXXX XXXXXXXX XXXX. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not include a report furnished by XXXX XXXX XXXX even if there is a claim by XXXX XXXX XXXX stating it now owns a copy of my TRANSACTIONS or EXPERIENCES. However, XXXX XXXX XXXX is making a false claim that I ( XXXX XXXX XXXX ) the consumer has had TRANSACTIONS or EXPERIENCES with XXXX XXXX XXXX. There is NO proof of any original document of TRANSACTIONS or EXPERIENCES between me ( the consumer XXXX XXXX XXXX ) and XXXX XXXX XXXX  the person making the report. However, a false claim has been reported on my consumer report but shall not be reported according to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as XXXX XXXX XXXX  from my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I had a XXXX XXXX and paid {$XXXX} via my Comenity Bank credit card which covered my XXXX deductible. On XX/XX/year>, I had another medical appointment, and this office filed their claim with XXXX prior to the first visit and I was not aware of this issue until I received a bill from the XX/XX/year> appointment and paid the bill of {$XXXX} via my credit card. I contacted the medical office I had been at on XX/XX/year> and was told by their billing department that they had a credit on my account of {$XXXX} and claimed they had credited my charge card on XX/XX/year> for the overpayment. I waited for XXXX month for this transaction to be credited to my account before I reached out to XXXX XXXX XXXX XXXXXXXX XXXX. On XX/XX/year> I spoke with their representative who told me this dispute should be resolved quickly as medical offices do not like these types of disputes. On XX/XX/year>, I received a letter from XXXX requesting all the information I had previously given to their rep over the phone on XX/XX/year>. Prior to receiving this letter, I had been calling the automated customer service line which indicated the dispute claim was pending. On XX/XX/year>, I sent a letter to XXXX with the information they requested in their XX/XX/year> letter. On XX/XX/year>, I received a letter from XXXX stating they had received my claim and were currently researching it. I had periodically been calling the automated system to find out the status of the dispute, and it was indicating it was pending. Today, XX/XX/year>, I spoke with " XXXX '' in the XXXX XXXX XXXXXXXX. who told me that he could see there was a dispute but could not tell me if it had been resolved. He transferred me to the XXXX XXXX, and I spoke with " XXXX '' who informed me that the dispute had been resolved and the outcome was not in my favor but could not tell me why. XXXX stated a letter had been sent to me dated, XX/XX/year> explaining the resolution. I never received this letter. I asked that the letter be resent or emailed to me, and she informed me she could not do this. I asked her to tell me what the resolution was, and she could not do that either. She then stated I would need to restart the dispute process over again via Comenity Bank 's secure message website. I have had enough of attempting to get this dispute resolved since XX/XX/year> to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-03 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: AL

Complaint narrative:
Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX has locked me out of my account. I can not access my information. Multiple calls to the customer service line result in the same obstruction - the representative says that they can not verify me because my telephone # ( same one I had when I opened the account ) shows a different name in a database the representative is referencing. And since I'm a CA resident, they also inform me that CA residents can not be verified through drivers license. Multiple times I've been told some 'team ' will get involved and contact me. This issue is more than a week old and no one has contacted me. The net result is that XXXX appears to be blocking my access to money I've deposited or transferred and will provide no solution. I'm reporting to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested multiple times the proof the accounts appearing in my report without me knowing. 

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 2024-09-04 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: CA

Complaint narrative:
Good day. There's inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-09-03 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:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations.

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report.

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options. 

The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, my address should be updated to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please also remove the non-mailable addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days.

Thank you for your prompt attention to this matter.

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 2024-09-03 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations.

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report.

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options.

The following accounts need to be removed from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please also remove the non-mailable addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-09-03 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:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-09-04 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:
This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my XXXX  well-being but my requests and complaints kept getting ignored or disregarded which furthers the XXXX  impact on both my life and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
This is very frustrating, as my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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