vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX

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 2024-09-12 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:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$460.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-12 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX - Balance XXXX XXXX XXXXXXXX XXXX  # XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXXXXXX -BALANCE XXXX XXXX XXXX # XXXX - Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX dictionary defines the term " defamatory '' the act of communicating false statements about a person that injure the reputation of that person What false statement is Kovo Inc. communicating? 
1. This credit account is open. 
2. This credit account although closed is being reported as open 180+ days past due. 

Are Kovo Inc. 's false statements injuring my reputation? 
Yes. The credit account was paid in full, closed, and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year>

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 2024-09-12 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: NY

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
1- Foreign currency It appears that all the transactions were made outside the United States . However, I have not traveled internationally on the dates the transactions occurred. 
2- There are XXXX disputed transactions on page number 1, however, the bank only provided XXXX transactions records. Why did the bank intentionally remove one record from the disputed transactions? 
3- On each of the XXXX records of the transactions provided by the bank there are no records showing that a correct PIN number was entered, it only shows PIN transaction 4- The PIN number of the card was generated and sent to me by the bank ( mentioned on page 2 ). As a reminder in XX/XX/XXXX, it was disclosed that M & T Bank experienced a data breach that became public between XXXX and XXXX of XXXX XXXXXXXX XXXX. The breach impacted data related to at least 95,000 individuals. The data exposed in the breach included names, addresses, and account numbers of M & T Bank customers. 
5- On page number 1, between transaction numbered XXXX to XXXX, we can clearly see that the bank intentionally removed again one transaction going from transaction ID number ending with XXXX to the transaction ID number ending with XXXX. It appears that the bank again has intentionally chosen to hide details of the transaction ID number ending with XXXX which is missing from their records. What are they trying to hide? 
6- On page number 1, transaction numbered XXXX Item ID XXXX, dated XX/XX/XXXX the amount shows {$500.00}. However, on the records provided by the bank, there are no record of the amount of {$500.00} being approved or completed successfully. Again, what are they trying to hide? 
With all the flaws mentioned above, it clearly shows that the bank and its unqualified and dishonest back-office team/ investigators managed to lie about their findings, redacted crucial information, and deny a claim ( without providing relevant evidences ) which they never had the intention to approve it in the first place. 
The bank is violating my rights ( zero liability protection ) and the FDIC regulations.

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 2024-09-12 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: FL

Complaint narrative:
I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 4 unauthorized accounts and 3 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

XXXX 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 I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on XXXX and Equifax with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year> I requested an investigation with regards to these accounts Being reported on my consumers report. I did not receive a response with regards to my request. I followed up in XX/XX/year> requesting yet another investigation into the suspicious account and I did not receive any response from Experian with regards to my request. It is my understanding that the credit bureaus must report, complete, true and accurate Information about me, however it has been over XXXX XXXX and I have not heard anything about the investigation I requested. These accounts has done a massive amount of damage to my credit and has damaged my ability to obtain credit and also employment. I have attached each letter That I have sent to Experian. They have violated my rights and I have suffered because they have failed to do their job

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 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I visited BestBuy to purchase appliances ( fridge, washer, dryer, TV and speakers ) for my new home, a purchase totaling {$6500.00}. During checkout, I was offered to sign up for " interest-free '' plan for two years from the store associate, which I accepted. Without explaining what I was signing up for, they set me up for a XXXX XXXX/month payment plan on autopay and said it would be paid off in two years without me having to do anything. After that, I never received a single statement in mail or email for 2 years! All I saw was {$300.00} deducted from my bank account every month. Around XX/XX/XXXX when I checked my bank statement I wondered why the monthly payment still being deducted and called BestBuy requesting full statement history since beginning. After waiting for 2 weeks to finally receive all my missing statements, I was surprised to see that instead of a near-XXXX balance I had been charged a deferred interest amount of {$4000.00} and my statement balance is still over {$5000.00}. At no point in the entire process did the associate explain what deferred interest is, how it works or how it is even different than interest-free. In fact, they were verbally promoting this offer using misleading verbiage such as interest-free and XXXX-interest instead of telling the truth about deferred interest or explaining how I have to pay off the balance strictly by XX/XX/XXXX or expect a {$4000.00} fees in interest on XX/XX/XXXX. Had I known the truth at the time, I would have never signed up and immediately paid off the balance. 

At no point did BestBuy or Citi send me any communication indicating that my promotional period was nearing its end by mail, phone, or email. When I signed up for the card at the store, I had been under the impression that the interest-free promo would not apply retroactively, based on the way the terms were explained at the time of signing. As an immigrant to this country, this is unfair business practice because they are signing up customers for failure using misleading phrases and without explaining what we are signing up for, and the financial burden of having to pay over 30 % interest almost same as the purchase itself is unjust. Lastly, after researching the issue, I have discovered that several other consumers have reported similar experiences with BestBuys deferred interest plans on various online forums including XXXX.

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 2024-09-12 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: NY

Complaint narrative:
I am XXXX 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, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, XXXX and Experian constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX : Account Number : XXXX - Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX : Account Number : XXXX - Balance : $ XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX  XXXX : Account Number : XXXX - Balance : {$410.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$9.00} - Date Opened XX/XX/XXXX XXXX  XXXX XXXX : Account Number : XXXX -Date opened XXXX XXXX, XXXX XXXX XXXX XXXX : Account Number : XXXX -Date opened XX/XX/XXXX, XXXX Balance {$550.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief