vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: SC

Complaint narrative:
XXXX, EQUIFAX, and XXXX credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: SC

Complaint narrative:
XXXX, XXXX, and Experian credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed an official written complaint to Citi Bank and still have not received a resolution. They acknowledged receipt and gave me a complaint number of " XXXX '' but still no response. ( documentation available if needed ) The complaint is due to the fact Citi Bank disabled my internet banking access for my credit cards 3 months ago without warning or reason. I am signed up for E-billing so I no longer get my bills nor can make payments online. I have contacted Citi Bank on numerous occasions and was told they don't know how to fix it. According to regulations a written complaint must be answered and can't be ignored so I would like a written response to my complaint from Citi Bank. 

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 explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
XXXX reported account as lateXX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( TransUnion, XXXX and 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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reported account as late XX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( XXXX, XXXX and Experian ).

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 2023-09-20 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I paid my account in full for XXXX XXXX and XXXX and they agreed to remove it from my credit report but it is still on there as a collection and a charge off. Please 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 2023-09-20 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: FL

Complaint narrative:
I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Transunion : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXXXXXX XXXX XXXXXXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Loans : XXXX XXXX XXXXXXXX : XXXX XXXX  : {$650.00} Account : XXXX XXXX XXXX  : {$210.00} - Acct : XXXX XXXX : {$180.00} - Account : XXXX For Equifax : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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:
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 explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-09-21 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:
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 2023-09-21 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:
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 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have accounts at BOA, I got scammed and sent money to the scammer three different times via wire transfers. The first transfer was completed with payment of {$24000.00} to an individual account on XXXXXXXX XXXX from online banking on XXXX  The second transfer was completed with the amount of {$35000.00} on XX/XX/ and the third transfer was completed with the amount of {$30000.00} on XXXX Those XXXXwo transfer sent to the same account of BOA. the account name was under " XXXX XXXX XXXX '' which is a property management company. The scammer told me I am making payments to XXXX XXXX XXXX XXXX This is totally scammed. I found all true information via XXXX XXXX after I made all money transfer. I called back a week later to refund my money or cancel the transaction. They say they can only try with first transaction ( {$24000.00} ) since this was made on online backing. Other two transactions are not possible even though it was transferred to the same bank ( BOA ). Please help me to get a refund my money. I have all evidence that supports I got scammed. I got scammed by people in XXXX. they left me with bunch of debt and broke my heart.

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 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have requested in writing to Source Receivables Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on 3 different occasions, that the account place on my credit report on XX/XX/2023 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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:
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 2023-09-21 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:
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 explanation
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-20 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: IN

Complaint narrative:
I paid my account in full for XXXX XXXX and XXXX and they agreed to remove it from my credit report but it is still on there as a collection and a charge off. Please 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 explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
This is regarding FEDLOAN SERVICING to transfer my loan payment to XXXX XXXX This is in reference to a loan payment of {$26000.00} made to Fed Loan Servicing on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through XXXX ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX stating that Fed Loan Servicing has cashed my check and still has the funds. I have tried to contact Fed Loan Servicing regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

FedLoan Servicing Reference Student Loan # XXXX XXXX XXXX Reference Student Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Navy Federal -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX- XXXX has violated my rights. 
15-USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. 


Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation