vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA 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 non-monetary relief
Consumer complaint received 2024-11-25 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 have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA 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 2024-11-25 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: AR

Complaint narrative:
I filed a dispute on my credit card for a moving company after they forced me to pay an extra fee on my credit card once they arrived for an interstate move, after initial estimates were given. They then damaged a list of items and refused to return emails or phone calls to cover the damaged goods. I provided all of this information to Citi card who then sent me a letter saying the company deserved to be paid and the dispute was closed. This was without any information as to the response of the merchant or any response to the numerous documents I provided. The letter has no explanation of how this decision was made, nor any information on how to submit an appeal or rebuttal. It seems Citi card does not have the customer 's best interest when they don't even provide any explanation, just a quick denial with no details.

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 2024-11-25 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$860.00} Collection XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$1500.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open Inquiry : 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 explanation
Consumer complaint received 2024-11-25 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: ID Analytics, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/2024 SUBJECT : REQUEST FOR PERMANENT OPT-OUT AND BLOCKING OF PERSONAL INFORMATION BY SAGESTREAM AND CORELOGIC To Whom It May Concern, I am writing to file a formal complaint against SAGESTREAM , LLC and XXXX, XXXX, requesting that these companies take immediate action to permanently opt me out of their credit reporting systems and block my information from being sold or shared. 

SPECIFIC REQUESTS : 1. PERMANENT OPT-OUT : I request to be permanently opted out of SAGESTREAMs and XXXX  databases, ensuring that no personal or credit-related information about me is shared with third parties under any circumstances. 
2. BLOCK MY INFORMATION : I demand that both companies block my information entirely and ensure that no reports or data concerning me are provided to any creditors, lenders, or other entities without my express consent. 
3. PROVIDE A PIN : Please provide me with a Personal Identification Number ( PIN ) that would allow me to unblock my information in the future, should I choose to do so. 
4. CEASE SELLING MY DATA : I demand that SAGESTREAM and XXXX immediately cease selling or otherwise distributing my credit report or personal information to any parties. 

BACKGROUND : As a consumer, I have the right to control how my personal and credit information is used and shared. Under federal laws, including the Fair Credit Reporting Act ( FCRA ), I am entitled to opt out of credit reporting systems and protect my information from unauthorized access or distribution. 

SAGESTREAM and XXXX  practices of compiling and selling consumer data without proper consent are concerning, and I am requesting the CFPBs intervention to ensure these entities comply with federal regulations and my specific requests. 

RESOLUTION SOUGHT : I am asking the CFPB to : 1. Investigate SAGESTREAM and XXXX  handling of my personal information. 
2. Ensure both companies honor my request to permanently opt out of their databases.

3. Require them to issue a PIN for future access, should I choose to unblock my information.

4. Confirm in writing that my personal information has been blocked and that no further data sharing will occur.

This matter is of significant importance to me, and I trust the CFPB will take the necessary steps to protect my rights as a consumer. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Requested up-to-date credit reports from XXXX, LexisNexis, XXXX & XXXX. Information incorrect & affecting personal & business insurance pricing, credit, etc. Some sent new reports stating they " fixed '', but never did! USELESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
On XX/XX/2024 I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with supervisor XXXX XXXX express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. HCA never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I received call from XXXX with the executive office at Hyundai to reach out directly XXXX. I attached consumer report from FTC

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 2024-11-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have called multiple times with no help I provided a Police report from the county I live in as well as supporting documents and a FTC Report. I was told by phone by 3 fraud experts that the fraudulent accounts would be blocked and removed due to them being opened fraudulently they just needed the documents which i did uploaded. I spoke to another fraud expert on XX/XX/year> who told me she wasn't going to block the 3 accounts that were opened fraudulently that are damaging my credit. I provided police reports as 2 addresses were listed which were not mine but they removed one address an left the fraud address on my account. By Law -15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Has Failed to Correct XXXX  of XXXX, JPMCB Credit Card as well as XXXX  XXXX credit card and remove an address that is not associated with me. I have secured Legal Representation due to the unforeseen circumstances and false information given by employees of XXXX multiple times. I am Requesting these fraudulent accounts be removed as i have produced a police report from the police station and a, FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have called multiple times with no help I provided a Police report from the county I live in as well as supporting documents and a FTC Report. I was told by phone by 3 fraud experts that the fraudulent accounts would be blocked and removed due to them being opened fraudulently they just needed the documents which i did uploaded. I spoke to another fraud expert on XX/XX/year> who told me she wasn't going to block the 3 accounts that were opened fraudulently that are damaging my credit. I provided police reports as 2 addresses were listed which were not mine but they removed one address an left the fraud address on my account. By Law -15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Has Failed to Correct XXXX of XXXX, XXXX Credit Card as well as Capital One credit card and remove an address that is not associated with me. I have secured Legal Representation due to the unforeseen circumstances and false information given by employees of XXXX multiple times. I am Requesting these fraudulent accounts be removed as i have produced a police report from the police station and a, FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX not provide the following : 1 ). Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX are required to send a pre-notification letter before taking legal proceedings on collection and did not instead filed on XX/XX/year>, XXXX ( DID NOT PROVIDE ) NOR 2 ). Competent evidence that ( a ) the account is valid, ( b ) the amount allegedly owed is accurate, and ( c ) I have a contractual obligation to pay Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX for this alleged debt. ( DID NOT PROVIDE ) NOR 3 ) .Provide adequate validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Midland Credit Management/XXXX XXXX XXXX XXXX XXXX for this alleged debt. ( DID NOT PROVIDE ) NOR 4 ). Signed credit application between myself and Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave permission to pull my credit report as stated by Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX ( DID NOT PROVIDE ) NOR 5 ). Provide a copy of an agreement between Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, signed by me, stating that I have a contractual responsibility to Midland Credit Management/XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. ( DID NOT PROVIDE ) NOR 6 ). Midland Credit ManagementXXXXr XXXX XXXX XXXX XXXX is reporting a debt to the credit reporting agencies that has not been validated. ( DID NOT VALIDATE )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-25 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: DISCOVER BANK
State: CA

Complaint narrative:
I discovered an unknown Discover Card account on my credit report, which I have no knowledge of. I have never applied for or opened this account. I have contacted Discover multiple times requesting proof of this account, but they have not responded or provided any verification. I also filed disputes with all three credit bureaus to investigate and remove this account if it can not be verified, but the account remains on my credit report, negatively affecting my credit score. I am requesting assistance to have this account properly investigated and removed if it is not valid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
Its incredibly concerning to see such an obvious and harmful error on my credit report. The account in question is either not mine or is completely inaccurate, and its unfairly dragging down my credit score.

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 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've had several issues with Wells Fargo this year and had to change checking accounts and debit cards. I traveled out of the country on XXXX. While waiting for my return flight on XX/XX/year> I viewed my Wells Fargo account and noticed {$10000.00} was sent via XXXX to XXXX of which I did not authorize. I immediately contacted the bank and reported it as a fraudulent transaction. I received no authentication for this transaction and no notice that it had occurred. Also according to Wells Fargo the transaction limit is {$5000.00}. In my last conversation with the Escalation Representative I was informed that since I had sent money to XXXX for handyman services on XX/XX/year> that this could have been what is referred to as an Account Takeover. The bank has provided me no information in reference to the investigation of account takeover of transaction, what device was used and what time the transaction occurred on XX/XX/year>. Subsequently I have received a letter indicating this transaction was valid and authorized.

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 2024-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I co-signed a loan for my Daughter XXXX around XXXX and have paid it down from over XXXX to XXXX. Lately I have been getting calls, Texts and emails from Sallie Mae numerous times a day and many times per week which is 100 % in violation of the FDCPA and Massachusetts Collection law. 
They are relentless and should be held accountable to the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief