vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX 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 2024-04-08 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 recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : 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 2024-04-08 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: SC

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 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 2024-04-08 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: NV

Complaint narrative:
I have serveral account on my credit report that I do not approve, have knowledge of, or are accurate. This is extremely illegal and against my right to a fair credit report. Last chance before legal action is taken again equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXXXXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I established a Citibank Credit card for Best Buy. We were purchasing appliances and things we needed as we had just been stationed in XXXX We were choosing to go to XXXX as they had a great deal on the items we wanted. When we spoke to the representative for the Citibank Best Buy Credit card we told them we were going to go with XXXX as they were offering a better deal. The representative asked us to explain and we said we were getting a discount due to my XXXX XXXX status. The citibank representative stated that if we apply for the credit card and do the purchased at best buy we would get a better deal and we would pay less in fees. IF we agreed to do the credit card option. At the time citibank/best buy made us believe that this was because i was XXXX XXXX. Fast foward to a few months ago and we are hit with a finance charge of almost XXXX XXXX XXXX When we ( my wife and I ) contacted citibank the representative said that this was a mistake and deceptive sales practice and transferred me to their XXXX XXXX XXXX ( or so they call it ). They said they would correct it. It took them weeks to get back to us and when they finally did it was to say I was being sent to collections. I advised them their department told me not to make payment during the investigation and that I would be receiving a phone call from a place called XXXX XXXX XXXX. This has not happened and Citibank is requesting to see direct deposits from my checking account to " prove '' that I was in the military during the time they sold me the credit card. Im not an attorney but this seems highly unethical and borderline illegal. All i want is for them to agree to the terms they sold me the credit card on. They deceptively had me utlize the credit card in the first place, masking 0 % interest as a " active military benefit '' then now tacking on interest when this was never disclosed properly in the first place for me to make an informed decision.

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 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK
State: OH

Complaint narrative:
I am compelled to seek your immediate intervention with Mechanics XXXX XXXX due to unresolved issues on my credit report. Despite my diligent efforts, including sending a certified letter, which was returned, the company continues to report negatively on my credit. Over XXXX years, I paid over {$60000.00} on a {$40000.00} loan. After losing my job and facing financial hardship, the vehicle was repossessed and auctioned, yielding an additional {$20000.00} for the company. In total, Mechanics XXXX XXXX has made approximately {$80000.00}, double the amount I initially paid, and yet, they persist in damaging my credit. 

This practice is not isolated to me ; thousands are affected by such unfair reporting, which hinders our ability to secure employment and obtain credit. The attached letter corroborates my attempts to resolve this issue. 

Account Details : Lender : Mechanics XXXX XXXX Balance : {$11000.00} Account Number : XXXX I implore the CFPB to thoroughly investigate Mechanics XXXX XXXX reporting practices and to ensure the correction of my credit report. Your prompt and decisive action on this matter is crucial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MD

Complaint narrative:
I never gave anyone permissible purpose to pull my credit report these inquiries are a result of identity thief and these inquiries need to be blocked immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 XXXX XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
The collection agency National Credit Systems , Inc has put a collection on my credit report in the amount of {$1600.00} but I checked on a website that they not licensed to do business in the state of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I disagree with the reinvestigation results provided by TransUnion, dated XX/XX/2024, reference # XXXX, in relation to my account with XXXX XXXX XXXX, account number # XXXX. I strongly disagree with the findings of this investigation, as they have negatively impacted my creditworthiness. 

Specifically, I dispute the accuracy of the last payment made and the payment history reporting. I am deeply concerned about how TransUnion verified this account and what " rating '' was updated as a result of their investigation. It is imperative that I receive detailed information on the methodology used to verify the account, as well as the specific updates made to my credit report. 

Furthermore, I would like to bring to your attention several discrepancies in the information reported by TransUnion : The reported date closed is inaccurate. 
The maximum delinquency of " 60 '' days is inaccurate. 
The date of last activity is missing. 
The date of removal is inaccurate. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to full transparency regarding the investigation process and the actions taken by TransUnion. I request that you thoroughly review my complaint and ensure that TransUnion complies with the provisions outlined in the FCRA.

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 2024-04-08 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: AL

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-04-08 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-04-08 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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

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 2024-04-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoy Schneck, L.L.C.
State: NY

Complaint narrative:
I have received a letter from XXXX XXXX XXXX XXXX, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from XXXX for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I took a student loan between the year XXXX from a private company to study medicine in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply. I suspected inaccuracy and stopped responding. I was afraid of scam. 
I have also received another debt collector, Portnoy Schenck, LLC. letter in same week mentioning the judgement against me for {$16000.00} for the same above-mentioned loan. I got confused and suspected irregularities. Now this debt collector blocked my bank account. I have not received any registered post summon from the court for this case. 
The debt collector has to determine that debt is within the statue of limitations. They should provide copies of agreement and signed promissory note. How I will know the debt collector is authorized and not misleading. How Court can deliver one sided decision? How come two debt collectors can ask for the amount for the same loan?

Later, I took Federal loan and paying the amount in installments regularly. 
I am mentally very disturbed and does not know what to do. My bank amount is blocked. I, therefore, request please help me. I am enclosing the letters from debt collectors and copy of my letter to one of them. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I am a victim of identity theft currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.

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 2024-04-08 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: GA

Complaint narrative:
I am a victim of identity theft currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I am a victim of identity theft currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.

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 2024-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX year- old widow of a world -XXXX XXXX XXXXXXXX I paid a veterinarian {$10000.00} for XXXX XXXX treatments for my dog in early XXXX. I was told if the treatments did not work I would be advised. When the treatments concluded, my dog started experiencing severe pain. The XXXX charged me another approximately {$6700.00} claiming the dog was suffering XXXX and other ailments requiring the removal of his right eye. They refused to do a XXXX scan to determine the status of the XXXX until I demanded it and refused to pay more unless they did so. The XXXX showed that the XXXX had not worked and the XXXX had spread to his XXXX. I had him euthanized that same day. I refused to pay some {$3000.00} in bogus charges for XXXX, etc following the XXXX. I disputed the charge with Citibank giving them the details of the scam. Citibank refused to accept my dispute and continues to bill me for the {$3000.00} plus interest. My credit has been affected. Although I filed a dispute letter with XXXX they apparently are not sending my letter with the credit report. I was recently denied a credit card by XXXX XXXX XXXXXXXX based on this information. 
I demand that the {$3000.00} plus interest and penalties be canceled. I paid the XXXX for the XXXX XXXX, XXXX and other charges that seemed reasonable in the amount of approximately {$3700.00} post 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