vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a corrected line item without success. 
The account balance should be {$0.00} The open/close status should be closed Paid off status should be 100 % This company did not notate the date they received my return receipt from certified mail, like similar companies do. I have attached supporting documents.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an OFAC alert on my credit report that I need removed because it is false and is hindering my application to credit cards and phone plans and such. It is getting in the way in my life and whats unfair is I have no idea why I have it other than my name being a common name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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 did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-07 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 did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
i cant add my Citizen Card To XXXX XXXX it keep giving me and error message when i try to link my card to XXXX XXXX  i been having this problem for a long time i spoke with apple regarding to this issue with the wallet and XXXX told me to contact Citizen Bank Regarding this issue and i contacted citizen fraund and they told me unfortunately this card cant be XXXX added to XXXX XXXX that i may need to open a brand new account and close my old account to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
there are inquiries on my credit report that dont belong to me

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 2024-03-07 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: GA

Complaint narrative:
I have encountered persistent issues with XXXX XXXXXXXX XXXX reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.

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 2024-03-07 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. 
ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 
15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, XXXX XXXX XXXX states : " A consumer may exercise the right to opt out at any time. 
" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX. Requested Payoff XX/XX/year> XXXX. Told " can not give payoff because loan is being transferred to HUD '' XXXX. Why were we not notified? 
XXXX. Why is loan jumping from {$110000.00} to {$120000.00} after transfer? 
XXXX. Why were we not notified? Again-same question. 
XXXX. Can we speak to a supervisor? Hung up on XXXX by XXXX ID # XXXX XXXX. Spoke to XXXX ID # XXXX to speak to supervisor - no. Asked him XXXX why we weren't notified and he said " you will be notified by mail AFTER Loan is transferred '' ALL UNACCEPTABLE AND NOT ANSWERED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2024-03-07 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: IL

Complaint narrative:
XXXX transferred these loans to XXXX in XXXX & information from XXXX isted below shows XXXX  balance. Experian  Credit Bureau still shows balances on these loans as well the same loans that were transferred to XXXX ( Double loans ) Loan XXXX XXXX XXXXs Transferred N/A {$0.00} {$15000.00} 7.90 % ( FIXED ) XX/XX/XXXX Loan XXXX XXXX XXXX Transferred N/A {$0.00} {$20000.00} 6.41 % ( FIXED ) XX/XX/XXXX Loan XXXX XXXX XXXX Transferred N/A {$0.00} {$21000.00} 7.21 % ( FIXED ) 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 2024-03-07 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: TX

Complaint narrative:
I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was never late for or knew about. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late if proof cant be provided I DEMAND these payments be updated to Paid as agreed on time or deleted as they should be due to the fact I never was late or knew about this loan. The information inaccurate and reducing my ability to buy a home, car & ETC, I need to provide good and stability for my family and this is stopping me. I would want this account DELETED or Updated To CURRENT/Paid as agreed on time Please see XXXX attached Send updated report to XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I open an account with Target red card and Ive been having a difficult time making payment several attempts of making payment over the phone online or even target office. Its just really hard for me to do that and really bad on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IA

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
A car loan was taken out in my name in XXXX California. I live in XXXX California, am a XXXX XXXX XXXX XXXX  Veteran, and do not drive. On XXXX XXXX, 2024, I received a bill stating that I owed XXXX for a XXXX. I called the company and was told they had my current ID picture, social security number, and signature. They also told me they had talked to me on the phone, stating that I had signed up for the car. This is untrue. I never signed up for a car, nor did I buy a car, nor did I give my information to anyone to purchase a vehicle. This is identity theft and a crime. 
I have reported to local police in XXXX California, XXXX XXXX XXXX, and the Federal Trade Commission. The company 's representative told me I may have forgotten they talked to me. This is untrue because the company called me at my XXXX XXXX XXXX XXXX, and two assistants heard my conversation with the company 's representative. Unethical used car dealerships are using identity theft tactics to sell cars, and credit companies are aiding the car dealerships for financial gain. The thieves and salesperson collaborated with the contract and falsified my identity. Now the credit company is avoiding giving me any falsified contracted documents signed.

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 2024-03-07 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XX/XX/year> I called and asked Chase why the credit card ending in XXXX was charged on a bill that was not yet due. I understood that Chase automatically places the charge on my bill before the bill is due. 
XX/XX/year> I attempted to block the Chase card ending in XXXX from completing that transaction but was alerted that Chase will still accept charges from reoccurring billers. So I went to all the creditors and removed Chase Visa credit card ending in XXXX then replaced with XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
On XX/XX/year> I was able to lock the Chase card ending in XXXX. 
XX/XX/year> Chase Visa claimed they paid XXXX XXXX XXXX with Chase Visa credit card ending in XXXX I explained to Chase that on XX/XX/year> the XXXX XXXX ending in XXXX paid XXXX XXXX XXXX ( XXXX ). Chase said they would do further research. On XX/XX/year> I checked for Dispute update. There was no movement it was waiting for documents. I called Chase and was told that I need to read the Action Needed letter. I did not have the letter and asked what does Chase need? Agent said proof that another credit card paid the bill. 
On XX/XX/year> I obtained the Action Needed letter outlining the Action Needed On XX/XX/year> I uploaded the XXXX payment history. I checked for updates it showed waiting for documents. I called Chase again the agent said if I have proof that another credit card paid I should upload it. On XX/XX/year> I uploaded the following to Chase Dispute : XXXX XXXX Statement details for XXXX XXXX XXXX  - Shows payment posted XX/XX/year> - XXXX XXXX chat from XXXX XXXX Chat Transcript - Agent advised only one payment from XXXX XXXX XXXX XXXX in XXXX was taken. 
On XX/XX/year> I received the Chase Dispute Resolution that that stated Based on the information available, Chase found the merchant had no record of payment made by other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and 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