vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NV

Complaint narrative:
I recently discovered XXXX XXXX XXXX XXXX {$15000.00}, XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX {$2200.00} XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00} on my credit report from EQUIFAX. This is extremely embarrassing and concerning. EQUIFAX does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo

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: NJ

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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 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: 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. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-03 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: Experian Information Solutions 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. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-03 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: 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. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-03 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: Experian Information Solutions 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. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy Credit card issued by Citibank uses deceptive methods to overcharge consumer on fees and interest. I pay my balances in full every month to avoid paying any interest. However, this company uses their own payment allocation method even though I have called them several times and requested my payments made need to be applied to certain balances. Here is how it started with my XX/XX/XXXX statement : They sent me XXXX percent interest promotional checks. XXXX checks were attached at the bottom of the letter they sent out. Without paying attention to the print on the side of the check I used the bottom check because it is the first XXXX to get to. I wrote the check for {$4000.00} on XX/XX/XXXX. I knew about the {$200.00} transaction fee. Within couple of days I found out the bottom check I tore out was not XXXX percent and in fact it was 4.99 % interest. I was furious as to why they would mislead the consumer this way by making the easiest check to get to a difference promotion and I had to cut out and discard that check in order to get to the XXXX percent check. A copy of this promotional material is attached for your reference. As you can see on my statement I paid the {$4000.00} plus their {$200.00} fee off on XX/XX/XXXX only 6 days after I used the check. I spent over an hour on the phone telling them this is unfair and I should not be paying any fees or interest for their deceptive method of confusing the consumer, they did not care. I had clearly stated the amount of {$4200.00} is to be applied to the money I borrowed and the {$200.00} fee on it. In addition I had made another payment of {$500.00} on XX/XX/XXXX to be applied to the other charges for the same period statement. They took it on themselves to only apply the {$4000.00} to the promotional transfer and {$700.00} to the other sections even though these XXXX payments were made over XXXX weeks apart on purpose! 

In the month of XXXX I called them again to find out the amount I need to pay to not incur any interest and I made a {$1400.00} payment to cover XXXX highlighted charges of current charges, a balance transfer that needed to be paid off this period and the {$200.00} fee which was carried over from the balance transfer which was supposed to be paid the month before. 

On my XXXX statement as you can see they still did not zero out the balance transfer that was supposed to be paid off in XXXX and I had sent in adequate funds to cover it! 

On my XXXX statement they are charging me {$16.00} interest on my current charges when they had been paid off in full! 

This practice is so confusing and I had even taken additional step by calling them on the phone and verifying amounts prior to paying it and every time they took advantage and still applied the payments the way the see fit.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only XXXX correct to use. My address is po box XXXX XXXX XXXX MI XXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX Corporation this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX Company this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXX XXXX XXXX XXXX these are not mine again they are not mine.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
They freeze my account and declined charges as they thought it was fraud charge and let me contact them, I did and they verify transaction with me in the past 3 days, and also let me verify my identity through text message code, which they said can't be sent to my registered phone number, but need to to someone else phone number, so i used my husbands. All good and they told me account was unfreezed as no fraud charge confirmed, and I can resume purchase. My purchase got declined again and I saw the account was still froze, so I called again and asked to speak to a supervisor. I asked why still frozen and there is no answer, and I need to verify again. I asked if they can pull the recorded phone message I did with prior representative and she said no, and she said to verify my identity, since I already used my husband 's phone number, she said I can't use his number again for them to send me the code, and i can ; t use my own number also, I have to provide another phone number. This did not make sense to me and I told her I can't give a third phone number and is there any other way, she said only way is to MAIL me a code then I can call them again, mail usually arrive in 3 to 5 days. I have never seen other credit card companies doing this and they definitely did not do this before. I have closed my account but reporting this as this is just a terrible experience and this practice is not making any sense.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been trying since XX/XX/year> to CHANGE MY DUE DATE. I can NOT survive with the payments being due at the end of the month. I have written once, they told me to call. I called they told me it was processed and it would take 3 months. I waited 3 months it did not work. I called back and spoke to multiple supervisors who confirmed it was not done properly when I called the first time. They assured me it was newly processed and it would take another 3 months. They did not do it. I filed a complaint with you guys and Mohela 's response is they are working on it. I'm sorry but NOT THEY ARE NOT. Excuse my language but I'm about to XXXX snap. I have over an 800 credit score and do not mind making the payments but if this dog XXXX scam company is going to continue to XXXX me I will tank my credit and these XXXX can come after me through the legal system. I have NEVER in my life had a problem changing my payment due date, with any company, ever in my life. I am unsure if you guys are running defense for them and allowing this to take place but I would REALLY appreciate it if someone can take some XXXX responsibility and CHANGE MY XXXX DUE DATE. XXXX XXXX, I'm not asking to move a mountain, just simply CHANGE MY DUE DATE. What in the XXXX do I need to do, I'm getting to a point where I am about to XXXX snap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was in a life threatening car accident and found out I had XXXX XXXX XXXXXXXX. I was told it grew over XXXX and during that time I was XXXX  XXXX. During that time my credit card was maliciously used and paid fraudulently. Because of this I have now a negative rating and unable to get help from the credit card company. XXXX XXXX will give a letter on how I was under a life or death situation. Upon risking life threatening XXXX XXXX and XXXX I am now trying to get my life together.

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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXX XXXX  with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX XXXX  with a balance of {$250.00}, XXXX  XXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXX XXXX  with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX XXXX  with a balance of {$250.00}, Capital XXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation