vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : several incorrect addresses and names

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 2024-05-29 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : several incorrect addresses and names

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have no knowledge of this account. I never opened a credit card account. I have no credit cards to this day. I have filed Identify theft Reference # XXXX I also called the company today and they said it looks like my dispute was denied because their isnt evidence all i have is that its not mine. I dont even know the full account number only what i see on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: COMMERCE BANK
State: MO

Complaint narrative:
I kept receiving emails from Commerce bank about an account that they said I had. I called the bank and they said if I didn't have an account with them then that means that I must be getting spam emails and to disregard. A few days later I received a letter from Commerce Bank stating that I tried to get an online account opened. I called them again and they said yes someone tried to open an account under my name and social security number on XX/XX/XXXX. The bank denied the request. That means someone has my social security number, date of birth etc. I was told to report it to you and the credit agencies so that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My ex girlfriend XXXX years ago had my Social Security and I believe that it XXXX have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company did these inquiries without my consent, and I have no knowledge about them. Please remove them.

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 2024-05-29 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: NC

Complaint narrative:
Kindly delete these inquiries. I am not aware of them, and the company handled this without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Open Dealer Exchange, LLC
State: OH

Complaint narrative:
My XXXX girlfriend XXXX years ago had my Social Security and I believe that it may have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH

Complaint narrative:
My ex girlfriend XXXX years ago had my Social Security and I believe that it may have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've always ensured that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-05-29 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Thank you for your time. 
I really appreciate this communication channel. 

I submitted a complaint on XX/XX/XXXX related to my XXXX XXXX private loans with Navient and I was told an application for a Private Loan discharge program was going to be share with me once initiated. 

I was informed by a third party the program already started and many people have already submitted theirs, yet Im still waiting to receive my application. 

I dont understand how a company is allowed to continue to seek for payments and charge extremely high interests on fraudulent loans offered by a criminal institution who sold a faulty product, even though I already paid the initial borrowed amount, I still over 3X that amount for a program I never used. 

This has been a horrible experience for me, professionally, economically and psychologically. 

Its been XXXX years since and I still owe over {$30000.00}? 

This has to stop, please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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 am writing to file a formal complaint against Equifax for reporting a fraudulent account on my credit report. The account in question is from Fair Credit and an outsourcing collection agency. I have never conducted any business with Fair Credit or the mentioned collection agency, and I have not received any documentation or prior communication from them regarding this account.

This fraudulent account has adversely affected my credit score and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I believe Equifax has not adhered to the necessary procedures to ensure the accuracy and validity of the information they have reported. 

To address this issue, I have taken the following steps : Contacted Equifax directly to dispute the fraudulent account. 
Submitted a request for investigation and removal of the incorrect information from my credit report. 
Despite these efforts, the fraudulent account remains on my credit report, and Equifax has not provided adequate resolution or explanation. 

I am requesting the Consumer Financial Protection Bureau 's intervention to : Investigate Equifax 's failure to verify the accuracy of the information reported. 
Ensure the immediate removal of the fraudulent account from my credit report. 
Take appropriate actions against Equifax for their non-compliance with the FCRA. 
Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses. I have also included a copy of my credit report highlighting the fraudulent account. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name.

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness.

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX I booked a room with XXXX by XXXX XXXX XXXX Va on XXXX XXXX XXXX I booked on line and then decided to stay somewhere else. I called the hotel and cancelled the reservation they said no problem, I then called Paypal to let them know I had cancelled the reservtion- this was around XXXX XXXX, I called the hotel back so they could return the payment to Paypal . 
I spoke with the Hotel today XX/XX/XXXX, and spoke with XXXX she said she return {$74.00} where is the rest of the money? I called paypal they said they have received nothing back I have been Woking on this for one month and can not get it resolved. 

I first opened a dispute with Paypal and they ruled in favor of the Hotel- HOW! 
I did not stay at the Hotel not even one night- It was all done on line and by telephone. 
I do not understand why they are not getting this. 
I need some help in this manner- I am not going to pay for service I did not receive I have spoken to about 10 different people at Paypal and the last person was XXXX and she refused to transfer me to a supervisor. They are awful! 
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 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I was emaiLed about a debt owed from a service provided by XXXX. I canceLLed the service and subscription in XXXX of Last 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
In XXXX of 2022 I closed my citi card after one month because Citi could not figure out how to add my wife to my card and required my cell phone for 2FA. I logged in to the account and verified the account had a XXXX balance and considered the matter closed. 

Months later Citi started sending me late notices about remaining balances and started charging me fees for things I confirmed were resolved on XX/XX/scrub> 2022 when I closed the account. 

Since then, Citi has sent me to collections for their egregious fees through the years and every time I received a notice, I disputed it accordingly to protect my credit rating. 

Recently I was made aware of a decrease in my credit score from XXXX. I have found that Citi has been able to adversely affect my credit score because I am not willing to pay their fees for charges I am not responsible for. 

I have now found that my insurance rates have gone up because of my poor credit rating because of Citi banks report. 

Yesterday and today I tried to call Citi Bank, XXXX and CFPB to try to resolve this matter over the phone but am told they are closed or get disconnected. Today I tried to create an account at XXXX to resolve the issue their portal did not accept the information I used to sign up for the account. 

In summary, I have not carried a balance on a credit card for the last 30+ years. I have not been late on payments to mortgages during the same time and have paid off all of them but for one HELOC. I value and protect my personal information as much as I protect my credit score. In this instance, it is now literally costing me money to try to protect myself from FRAUD.

Today, I also called my House of Representative to explain the issue to try to raise awareness of the irony.

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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I was scammed from XXXX XXXX XXXX and these people opened an account with Wise Bank in my name, XXXX XXXX. After several attempts of XXXX trying to transfer fund up to {$49000.00}, Wise Bank suspected fraud. I filed a dispute with Wise Bank to refund me the {$450.00} that was remaining in the account. I never received the {$450.00} and I can no longer access the account or speak to anyone at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: MI

Complaint narrative:
They told this was an error and they still have not removed the collection from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-29 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief