vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the Citi XXXX XXXX credit card where it was promoted " Earn XXXX bonus points after spending {$4000.00} in the first 3 months of account opening, redeemable for {$750.00} in gift cards or travel rewards on thankyou.com. '' I applied, got approved on XX/XX/XXXX, and spent more than {$4000.00} within two months. I called into customer service XX/XX/XXXX asking when will I get my sign-up bonus since I have met the requirements, they stated that I am NOT eligible since I have multiple Thank you accounts receiving bonus in the past 48 months. That should not be the issue since the terms and conditions is not to have received a bonus for the Citi XXXX. This is my first ever Citi XXXX XXXX XXXX  and I have never received any bonuses for that card ever. Why is Citi now changed their terms and conditions after I have paid the card annual fees and met the requirements. It's also not listed anywhere regarding the multiple Thank You accounts disqualification during the time of my application. 

" Bonus Points Offer Bonus ThankYou Points are not available if you have received a new account bonus for a Citi XXXX or Citi XXXX XXXX account in the past 48 months ''

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-08-28 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: FL

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX 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 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I never applied for a XXXX  loan, yet I checked my balance and it built up to XXXX I need this to be forgiven as it was a glitch in the system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I never had a late payment on this account, so I need this account to be updated to payed on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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 had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-08-28 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-08-28 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: U.S. BANCORP
State: IL

Complaint narrative:
These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious 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 2024-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX Via XXXX XXXX XXXXXXXX XXXX XXXXXXXX Claim # XXXX Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Wells Fargo, On XX/XX/year>, I filed a fraud claim on my debit card. Someone got a hold of my debit card # and made three fraudulent withdrawals from ATMs two hours from my house. Below are the three fraudulent charges. 

1. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXXXXXX XXXX {$53.00}. I have never been to this location in my life. Please check security cameras. 

2. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, XXXX  {$88.00} I have never been to this location in my life. Please check security cameras. 

3. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX XXXX, XXXX {$68.00} Again, I have never been to this location in my life. Please check security cameras. 

I am a college student and have worked hard over the summer to save for this semester. These three withdrawals are fraudulent. I am asking for a Wells Fargo representative to take my claim seriously and at least investigate it longer than 24 hours. I had my debit card in my wallet the night these fraudulent withdrawals happened which means someone must have stolen my debit card # and made a fake debit card. Please, Wells Fargo, investigate this claim further and look at security footage. I am requesting Wells Fargo send me all copies of documents used for this investigation. 
Thank you, XXXX XXXX XXXX Claim # 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by XXXX ( this company is related to Synovus Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from XXXX See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document

Company response to consumer: Closed with explanation