vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-19 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:
Not my account. Wrong address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently applied for a Credit Card from Citibank and received a mailed request to provide ID, I complied and sent the information accordingly. Did not receive a reply from Citibank. Several days later I receive a mailed letter stating they were unable to approve my application because " we could not verify some information on your application ''. Despite two calls to the bank to request information, no further clarification could be provided per the agents. 

According to the Fair Credit and Reporting Act, I have the right to be informed if any information from my file was used against me. If a credit report or consumer report is used to deny credit, insurance, employment, or take any other adverse action, the person or entity must disclose the agency 's name, address, and phone number that provided the information. Citibank failed to comply with the law by denying me a credit card without providing a reason.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX. I received a notice via email that XXXX accounts were deleted. I spoke with a representative on XX/XX/XXXX in the fraud department where the representative helped me with the disputes. I have had a fraud alert on my Experian credit report since XX/XX/XXXX. 

The reason for the deletion is because I uploaded my FTC documents and Drivers License and Social security information with my correct name. My name was reporting incorrectly and there were accounts that should not be reporting. So I received an update that they were removed immediately. 

Today XX/XX/XXXX. I received an email of reinsertion of all the accounts that were deleted. I spoke with a representative and he stated that it was never deleted. I told him it was, I have copies and proof. Then stated he the reason it was reinserted was because they received more documentation from me. But they never did. The documentation that was received was sent in XX/XX/XXXX when I spoke with the Fraud department and he corrected my name and city of my address. I asked him to explain why it was reinserted again just to clarify, he stated it was because they received documentations from me. I asked him when, he proceeds to say he doesnt know because he is having system issues. Not acceptable, because I know when it was submitted and asked to be transferred to fraud department. 

Call was transferred to XXXX in Fraud Department. The same thing was explained to her and she also stated that it was pending investigation. I expressed to her AGAIN, that the accounts were deleted on XX/XX/XXXX and I have proof and they need to be removed permanently. 

She still stated that theres nothing she can do. This is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. They did not receive that information in XXXX day from all the creditors. They deleted due to the circumstances of the accounts reporting.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Social security and certificate of birth were stolen. My card was charged with unauthorized transactions. It has been reported and a new card will be delivered. The next step would be to report my documents to ensure my identity is protected.

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 2024-03-19 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: 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 :

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 2024-03-19 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: DISCOVER BANK
State: TX

Complaint narrative:
I used the Discover app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for Discover to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with Discover, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing Discover would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I am reopening case XXXX I did not make the purchase in question. I have local law enforcement involved, the police report is attached, and i am working with the merchant. 

I can not believe what an absurd situation this has become. CITI has failed to protect me from fraud according to the regulations in place from the federal government. 

1. I received a call from CITI to alert me that fraud happened. I responded in real time and they proceeded with next steps to close my account and reissue my card.

2. I confirmed that I had my card AND I WAS NOT AT THE LOCATION where the card was used. I was miles away.

3. I did not give anyone else permission to use my card. 

And to update my case, I did time researching to learn that XXXX XXXX can be cloned. The basis for closing my claim without issuing a credit was the claim that this is not possible. 
This would explain why the card was with me and I was not at the location. CITI has hyper focused on the assumption that my chip was used while ignoring the fact that I could not have physically engaged in the transaction since I was not there. 
Cloning XXXXXXXX XXXX is not only possible but it is becoming increasingly common. It's called credit card cloning and card skimming. This includes a lower technological method that involves copying credit card chips to the magnetic strip so that the reader can not distinguish whether the XXXXXXXX XXXX was used. 
I am requesting evidence from the credit card issuer that they used to make this determination. If they are ignoring the indisputable fact that XXXX cloning is an increasingly common practice, their fraud investigators are either inept or lying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a XXXX cell phone ( XXXX ) on XX/XX/XXXX, directly from XXXX through the Internet. I returned the phone to XXXX using their return label and dropped it off at XXXX on XX/XX/XXXX, at XXXX XXXX. I was informed by XXXX employees that they had received the phone, that I would be issued a refund, and that XXXX XXXX  would be notified so that I would not be responsible for making payments. XXXX should have notified their financing agency and placed a late payment on my credit file. I have started a dispute with the XXXX and XXXX bureaus and California 's state attorney 's office. I had just learned that this happened when XXXX XXXX and XXXX XXXX notified me that XXXX had placed a late payment on my file on XX/XX/XXXX. I have a good credit XXXX score and have never been late or missed any payments in the last 16 years. It is very upsetting that this has happened to me, a XXXX veteran and previous federal law enforcement officer. I am a senior XXXX XXXX XXXX, and XXXX is prying on XXXX  citizens. It's not fair for a company such as XXXX to do this and get away with it. The dollar amount in question is {$1300.00}. I refuse to pay for something I do not have, but I`m hoping to get some assistance in clearing this matter up. If I don`t clear this up soon, then I feel that XXXX will report this to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX Is my old case number you guys closed my case because credit acceptance lied and said it was fraud when it clearly wasnt fraud I need help because if they lied that tells you something is wrong with this company I literally uploaded out contract how could I have been fraud we

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 2024-03-19 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: MI

Complaint narrative:
I recently review my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-19 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: MS

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-19 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 Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section XXXX. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A few years ago someone used a credit card in my name that I had no knowledge about. Last year I checked my credit and found out that a collection agency was on my report. This debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: DISCOVER BANK
State: FL

Complaint narrative:
I contacted Discove almost 2 years ago when I first saw this pop up on my credit report. They said and freely admitted at the time they could not prove identify of the account I explained that it was not me. There were charges feom XXXX to XXXX. But they did not and the card did not belong to me. I did a report and investigation. Even got legal advice. Did what I was told and Discover finally removed everything from my credit report. Almost a year later it gets added back to all XXXX bureaus after investigations it was removed and deemed identical could not be proven. Now I do no have access to the account nor do I want access. But I spoke with an attorney again amd they made it clear to me that this needed to be removed. It had already been removed. Discover apparently disputed the charges back with individual business and reciebed there money back. Then after the disputes where over and the business paid them back they add it back to my report. I have posted the proof. I'm sure ypu have access to the proof showing it removed. PLEASE HAVE THEM REMOVE THIS REPORTING ASAP or I will have no choice but to take further legal action. As now this is stopping me from buying a house. So there inaccuracies and incorrect reporting is now having a huge impact on my way of life. SO AGAIN REMOVE IMMIEADTLY PLEASE

Company response to consumer: Closed with explanation