vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I just reviewed my consumer report and found several late payments from Santander Consumer USA with account # XXXX, the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I demand Santander Consumer USA to update my account to pay on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-11 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: GA

Complaint narrative:
The company has violated my consumer rights by reporting inaccurate information on my consumer credit file. I am a victim of identity theft and have no knowledge of these accounts. I have reported this matter to the federal trade commission and included a copy of the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
The company has violated my consumer rights by reporting inaccurate information on my consumer credit file. I am a victim of identity theft and have no knowledge of these accounts. I have reported this matter to the federal trade commission and included a copy of the 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 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH IS CHARGING OUTRAGEOUS FEES FOR AN ALLEGED ESESCROW SHORTAGE. I NEVER EXPERIENCED A PERIOD WITHOUT HOMEOWNERS INSURANCE. I HAVE XXXX XXXX XXXX WITH OUT LAPS IN COVERAGE. I AM XXXX XXXX AND A 100 % XXXX  XXXX XXXX XXXX  .I AM 100 % EXEMPT FROM PAYING PROPERTY TAXES. PHH IS STILL PROJECTING {$940.00} AS WELL AS INSURANCE PAYMENTS OF {$2300.00}. 

CURRENT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) I disputed these accounts with both XXXX and Affirm ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to Affirm certified mail asking them to validate the accounts in question with no response. Because I knew that XXXX would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither XXXX nor Affirm written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over XXXX  years, and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
There are unauthorized inquiries on 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 2024-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy should not on 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 non-monetary relief
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
While I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activities, there are still items that need to be addressed. This is a follow-up to dispute the remaining items in my credit file linked to alleged fraudulent activities. I am once again providing Identity Theft Report # XXXX and # XXXX. According to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file stemming from alleged fraudulent activities within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( XXXX ) a copy of the identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$17000.00}. Please be reminded that you have 4 business days to eliminate any items in my credit file resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NY

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Total Card, Inc.
State: CA

Complaint narrative:
I believe I was a victim of fraud. I found multiple items on my credit report that I have no acknowledgment of. I never applied for any credit cards, received or used a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation
Consumer complaint received 2024-06-11 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: SC

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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a credit card account with Citizens bank. I was listed as an authorized user under my mothers account. I have absolutely no online account access. Every time I called, they gave me a hard time even to retrieve account balance information. After submitting a payment for the account balance, the XXXX payment I made was returned for some reason. I had no idea it was returned at all since Im not even listed as the primary account holder and I dont receive any type of notice in terms of the account balance as an authorized user. I tried downloading the app and was still not able to retrieve my online card info. The company immediately passed off the balance we had to debt collections and immediately closed my moms credit card for alleged suspicious activity. No idea whats going on, but weve have had this credit card for awhile now and have always paid on time. My mom uses it as a travel card and I use it as miscellaneous charge card. This is actually the 1st time I have actually used it and brought the balance up to {$150.00}. The account balance was immediately paid when I was notified about the payment being returned. My mom used it last year for travel costs and brought the balance up to {$1500.00} and has paid the balance off in full. She actually just received notice about the reasons for closing our account and the notices are dated for early XX/XX/XXXX, so there recently issued notices. 

I definitely find it unfair that they closed our account. They also passed on the debt to collections and didnt even give us a notice about this at all and/or provide any accommodations. Normally, a consumer is at least granted 30-days to be notified of any issues/resolve any issues. I think its unfair that as an authorized user, I can not even have online access and that I do not receive any type of notification in terms of account balances, payments details, etc. When I tried calling to retrieve account balance and pay the account balance in full, the 1st representative that I spoke to gave me the incorrect balance to pay and transferred me over to another to assist with my account. The 2nd representative that I spoke to advised that the credit account wasnt closed and the current balance was a lot higher. He did assist me with submitting a full payment and I had no other issues at the time. The primary account holder just received notices and just relayed the info to me on XX/XX/XXXX about the account closure. The notices we received are dated for XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. I definitely think theyre being suspicious in term of how they operate business and/or treat their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update and correct the accounts below : 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 2024-06-11 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: IL

Complaint narrative:
In order to REMIND Experian and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX : {$580.00} The XXXX XXXX  XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy XXXX XXXX-discharged XXXX XX/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 explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
Unauthorized inquiries appear on 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 2024-06-11 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-06-11 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: IL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>, I did a return for a desk to XXXX. The refund was issued back to the card ending in XXXX. The above card that the refund was issued back on to was linked to a Citi checking account I had closed. I reached out to XXXX who escalated the problem to billing and they were able to verify that Citi accepted the funds. I called Citi on XX/XX/year> for helping getting back the refund in the amount of {$64.00}. The customer service associate said to me that since the account was closed the refund would be rejected automatically and sent back to XXXX. I reached back out to XXXX who provided proof that Citi had accepted the funds. I called Citi on XX/XX/year> again for help tracking down the funds. Citi was extremely rude and started to request information that I didn't have to make it harder for me to get help. They asked for the checking account number but XXXX couldn't provide it. The statements were not available in the app or online since the account was closed. I pulled the emails I would get for the statements but when I clicked the link it would open up the app where again the statements where not available. I had all my information, including social security, the debit card #, address and the last four digits of the account # but they refused to help me. I also stated that I had two other CC  with them with the same information. I aksed if they could verify me that way but again they refused. They told me to visit a branch but I am located in XXXX and they do not have a branch here. I asked to get transferred to a supervisor who again was very rude, refused to help me since I didn't have the account # that I can't access anywhere on there site. She told me again to visit a branch and hung up on me. I have since closed both CC  with Citi aswell but I would like to receive my money back from the refund.

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 2024-06-11 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: NY

Complaint narrative:
It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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