vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent account, open without my knowledge

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 2024-03-29 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: VT

Complaint narrative:
I had freezes in place at all XXXX bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
XXXX : File frozen due to federal legislation XXXX : Report frozen-consumer requested security freeze on his/her credit file-report unavailable Transunion : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all three bureaus. I keep being told that my files are unfrozen and they can't find any issues. XXXX did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I had freezes in place at all XXXX  bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
XXXX : File frozen due to federal legislation Equifax : Report frozen-consumer requested security freeze on his/her credit file-report unavailable XXXX : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all XXXX bureaus. I keep being told that my files are unfrozen and they can't find any issues. Equifax did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a collection from XXXX of {$150.00}. I disputed it and it was removed from my credit report. Today, XX/XX/XXXX, Afni ( a different collection agency ) called and said I owed for the debt. They have not filed it to my credit report yet. They also will not proved the original debt. I asked for documentation of the original debt and she emailed me a login page to the company ( XXXX ). I also asked 3 times to dispute it again, and she ignored my requests. I also have not received anything in the mail from Afni, like they claim they sent. She claimed Afni got my debt back in XX/XX/XXXX and this is the first time I am hearing from them. 
This debt they claim I have is also from XXXX. 
The debt is {$150.00} and Afni said they would settle with {$76.00} as of XX/XX/XXXX Ive attached the email they sent when I asked to provide me with documentation. As its just a login page, that I cant even login to because I dont have an account with them. Ive also attached pictures of my credit report of when I disputed it and after when if was taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-29 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:
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 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 2024-03-29 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
US BANK ACCOUNT XXXX US BANK IS HOLDING MY ACCOUNT XXXX AND WILL NOT RELEASE IT. I CAN'T MADE ANY TRANSCATION OR USE IT. THEY SAY IT A INVESTAGION WILL BE COMPLETED IN XXXX DAYS AND IT HAVE BEEN OVER A MONTHA AND A HALF AND MY ACCOUNT IS STILL ON HOLD.

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HoldCo LLC
State: TX

Complaint narrative:
This person found me on a dating site in XXXX of XXXX and faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a white male, XXXX XXXX XXXX from XXXX, TX. He also sent me many fake photos and even a fake photo of his " XXXX XXXX XXXX  We became close over many months and he started asking me for money for " job related needs '' as well as money for his XXXX XXXX XXXX XXXX He took advantage of my kindness and played off my empathy. I sent him money in the form of gift cards and XXXX. The whole time he was giving me promises that he would pay me back while telling me how much he cared for me and how he would never hurt me. He also told me several times he wanted to meet me and would even send me addresses of where to meet him and then never show up. He used me, manipulated me, and abused me mentally, financially and emotionally. 

( Please see attached letter for more info )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-29 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:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-03-29 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:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-03-29 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: VT

Complaint narrative:
I've been trying for the past three days to remove a security freeze from my account. I have used the web portal and made numerous calls to the consumer service lines. I am consistently told that the freeze has been lifted, but when my mortgage broker goes to pull my credit report it is still showing as frozen.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
A capital one credit card was opened in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

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 ) ( 1 ) 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 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 2024-03-29 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: GA

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 ) ( 1 ) 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 2024-03-29 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: WI

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am not liable for this debt XXXX. I do not have a contract with Jefferson Capital Systems. They have not provided the original contract nor debt validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MI

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MI

Complaint narrative:
First I want to bring to your attention I have been battling this issue since XXXX ( per ) XXXX XXXX at Experian AND XXXX XXXX on XX/XX/XXXX. THAT SAYS ALOT. 

on XX/XX/XXXX I spoke to 6 different reps at EACH company addressing the FCRA VIOLATIONS EXPERIAN AND XXXX is under. ( trying to help them fix the problem. THEY CHOSE NOT TOO. 

on XX/XX/XXXX I for the last time called and explained they are reporting information on my credit report AGAINST MY RIGHTS. WHY IS IT STILL REPORTING? THEY ( XXXX AND EXPERIAN WOULD NOT ANSWER THE QUESTION. 

on XX/XX/XXXX I spoke to a rep name XXXX who told me she could not help me and she had no supervior to speak with. ( XXXX ) XXXX XX/XX/XXXX XXXX. I SPOKE TO A REP at experian NAMED XXXX. she told me after i explained to her the violations being held over EXPERIAN. to file a CFPB COMPLAINT. because she was not authorized to remove the account. 

this account is a XXXX ACCOUNT. I HAVE EXPLAINED TO THEM THE REFERENCE NUMBER WAS WRONG. 
-THE FILING DATE IS WRONG -THEY WILL RESPOND AND SAY THEY VERIFIED THE INFORMATION WITH THE ( XXXX XXXX ) - I called the XXXX XXXX and they stated " they do not at all verify or communicate with the CRA '' THEY SENT ME A LETTER EXPLAINING THAT CONVERSATION. 
-THE LETTER WAS SENT TO BOTH XXXX AND EXPERIAN. 

THEY HAVE VIOLATED FCRA LAWS, MY RIGHTS, AND DAMAGED MY CREDIT REPORT. DUE TO NOT FOLLOWING THE LAWS. AND BLANTLY LIEING ON THIRD PARTIES WHO DO NOT AT ALL HAVE THIS INFORMATION. 

- THEY NEVER COMPLETED A FULL INVESTIGATION -THEY WILL IGNORE MY LETTERS WHEN I ASK FOR THE METHOD OF VERIFICATION -THEY WILL IGNORE THE FCRA LAW THAT SAYS PROVE IT OR REMOVE IT. 

- THEY IGNORED 15 U.S.C. 1681 ( T ) RELATION TO STATE LAW -THEY IGNORED 15 U.S.C. 1681 ( B ) PERMISSIBLE PURPOSE TO CONSUMERS REPORT.

THEY HAVE IGNORED AND OVER LOOKED EVERYTHING I ASKED OF THEM, EVERY VIOLATION I POINTED OUT, AND WILL ( PERIODICALLY VIOLATING PAST THEIR 30-45 DAYS INVESTIGATION TIME ) RESPOND WHEN THEY FEEL LIKE IT THROUGH EMAIL/LETTER SAYING " ACCOUNT VERIFIED '' I WILL ASK METHOD OF VERIFICATION. NO RESPONSE.

AT THIS POINT I HAVE BEEN VIOLATED MY RIGHTS. AND THEY HAVE ABUSED FCRA LAWS AND SYSTEM.

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 2024-03-29 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 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: CA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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