vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These names above have been reported to my credit report and I have no relations with these names

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
Transunion has wrong information on my XXXX XXXX  XXXX  XXXX  account. They say I owe {$4000.00}, but they have not updated my account in 4 months. 

I contacted XXXX XXXX  today - XX/XX/2024 ; they confirmed that my balance is {$300.00}. 

This incorrect information from Transunion is affecting my credit score negatively.

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My XXXX XXXX account was in good standing for years. Recently the bank added a few miscellaneous charges that totaled {$360.00}. I communicated with the bank informing them that this is not my debt. The bank said they made a mistake by paying me an extra {$360.00}. Therefore they want me to pay this amount. I do not owe the bank any funds. And even if I did, the bank made the mistake by paying me {$360.00} so that not my mistake. I have bank statements showing my account is in good standings and ever miscellaneous charge is incorrect. I am not responsible for the debt. Please tell the debt collector to dismiss this case and reinstate my lost credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2024-01-03 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: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
I recieved a copy of my credit report and noticed XXXX accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my account.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2024-01-03 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: FIRST PORTFOLIO SERVICING INC
State: OK

Complaint narrative:
I was looking at my XXXX credit report and there was hard inquiry from XXXX on XXXX XXXX XXXX XXXX  that I didn't recognize. I know for a fact I did not apply for any Revvi credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my XXXX credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
Experian abused my reports to send useless email notifications & confuse consumer purposely

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 2024-01-03 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: IL

Complaint narrative:
I am writing to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
Oliphant group has been reporting false and inaccurate information on credit report, continually add values to debt purchased but these values are arbitrary and from outside 3rd party which is not part of debt owned. They falsely sued in court, was never made aware of court filing or date, and thus imparted a wage garnishment on a debt that has been for several years been out of statue of limitation to collect or enforce any action against said debt. This is either done by veil of ignorance or willful disregard of this knowledge. Prior dispute of this matter has given an acknowledgment from Oliphant themselves confirming a ) debt was charged off XX/XX/XXXX, and was not purchased until XX/XX/XXXX b ) New York State law indicates statute of limitations for collection and action of any debt is 3 years, thus, reaching in XX/XX/XXXX. Over 2 years past the statute of limitations did they act upon said debt, well long past their right to do so, in which they under false pretense sued in XX/XX/XXXX Despite the debt being out eligibility for action being past NYS statute of limitations they also falsely report inaccurate on my credit report. Despite a wage garnishment being enforced upon me, they do not accurate report the monies taken and applied to debt and also arbitrarily add on values ranging from {$1.00} to {$10.00} almost weekly. They have already upon prior contest of this confirmed that the dates of debt is past NYS statute of limitations as well as values of being added are from 3rd party, not the debt owned itself and inaccurate report information as no acknowledgement of monies applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-03 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am writing to report an incident of identity fraud that has occurred, leading to the closure and charge-off of my credit card account with XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ). The account was opened on XX/XX/2015, and unfortunately, it fell victim to fraudulent activities. 

Details of the incident are as follows : Date of Opening : XX/XX/2015 Account Status : Charged Off The credit card had an initial limit of {$800.00}. Regrettably, the identity thief managed to exceed this limit, accumulating charges totaling {$2100.00}. Despite extensive efforts by the bank, they were unable to trace the specific transactions due to the intricate nature of the fraud, which involved multiple transfers between accounts. As a result, the bank took the necessary steps to close the compromised account and assured me that I would not be held liable for the fraudulent balance. 

However, the issue I am currently facing is that the closed and charged-off account is still appearing on my Experian credit report, potentially affecting my credit score. I kindly request your assistance in documenting this incident and liaising with Experian to rectify the inaccurate information on my credit report. 

Your prompt attention to this matter is greatly appreciated. If you require any additional information or if there are specific procedures I need to follow, please do not hesitate to inform me. 

Thank you for your understanding and cooperation in addressing this identity fraud issue.

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 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
Over 10 years ago I was in a dispute with XXXX XXXX and settled a debt with them for less than they said I owed. They then sold the remainder of the " debt '' to one debt collector after another to this day. To the first debt collector I sent proof I had paid the but, since it was not the amount XXXX said I owed, they would not take it off my credit report. It has then be passed from debt collector to debt collector for years. 

Recently it showed up on my credit report again from Jefferson Capital. I told the company that it was paid and that the debt was well over 7 years old. They reported it to the Credit Reporting agencies as a debt incurred in 2021 even though it is much older. 

I wrote to all XXXX major Credit Agencies, telling them it was over 7 years old and had been paid in a settlement, but Jefferson Capital continues to report to them that the debt is from 2021 and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I applied for a person loan with One Main Financial in XXXX of XXXX in the amount of {$10000.00}. I've paid so far approximately {$9200.00} since XXXX and my current balance is {$10000.00} as of XX/XX/XXXX. During the term of the loan, I've applied for two hardships in XXXX and XXXX, which at the time I was to pay only the interest of {$160.00} for three months on both occasions. ( {$1900.00} ). I have requested a copy of my terms and agreement and payment transactions. The interest on this loan is 24 % and so far, I have paid more than 100 % of the original loan amount. A loan for {$10000.00} with a 24 % interest should be calculated at approximately {$2400.00} in interest fees. In addition, One Main Financial also advised me that I needed to add a title loan to secure the personal loan, which my car title is temporarily owned by this company until I pay them another {$10000.00}. I am extremely concerned about this personal loan and at this present time, I should only owe approximately the interest fees since I've paid out {$9200.00}. I spoke with XXXX at One Main Financial, and she stated the loan will continue to accrue a daily interest amount of {$6.00} and the loan is scheduled to end XX/XX/XXXX. In addition to the 24 % interest fee, I will have to pay {$4800.00} in daily interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fraud occurred on my Business Bank Account at XXXXXXXX XXXX, An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/2023 and recall wire was sent several times from XXXX XXXX. More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within XXXX minute 's of happening. 

XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file Business and Personal XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX ) and from any recalls that have been sent since XX/XX/2023. 

Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.

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 2024-01-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian, XXXX, XXXX need to remove late payment from XXXX XX/XX/23 XX/XX/23 15 U.S. Code 1666b

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2022 my Capital One Bank checking account was closed without explanation. 

2022 I tried to open an account at XXXX XXXX, but I was denied without reason, the banker said it was under review in the fraud department. I haven't received a reason. 

Is something attached to my social? 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states : I have the right to privacy. 15 U.S.C. 1681 604-A Section 2 consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666 B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation