vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: AZ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

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 2023-12-29 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: AZ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

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 2023-12-29 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-29 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary 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 explanation
Consumer complaint received 2023-12-29 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:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
IN accordance with the fair credit reporting act this creditor has violated my rights under 15 USC1681 section 602, states I have the right to privacy. 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 a creditor may not treat a payment account on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-29 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: AZ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: OH

Complaint narrative:
XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX  days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX student loans were transferred to Nelnet in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
Nelnet made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. Nelnet and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved 15 days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-12-29 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-12-29 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: 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. 

XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 an 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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
During XX/XX/XXXX, I received numerous telephone communications from XXXX, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided XXXX with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an XXXX-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. XXXX representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, XXXX communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. XXXX further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with XXXX, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with XXXX XXXX request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, XXXX proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXXXXXX XXXX XXXX, I received correspondence from a debt collector, specifically Jefferson Capital. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that Jefferson Capital had reported me to the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
An account was created for my mom at Chime bank without her consent and her social security checks were directed to go there without her consent. I was made aware that there are also many other social security checks being stolen in this way because this institution is not properly verifying individuals in person and simply allowing people to open up an account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My phone was reported lost, there were unauthorized charges made to my account with my PIN number because person who found my phone was able to access personal information. I informed Citibank of the following concerns and problems and they still denied my dispute.

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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
During XX/XX/XXXX, I received numerous telephone communications from Affirm, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided Affirm with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an Affirm-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. Affirm representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, Affirm communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. Affirm further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with Affirm, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with Affirm 's request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, Affirm proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXX XXXX XXXX, I received correspondence from a debt collector, specifically XXXX XXXX. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that XXXX XXXX had reported me to the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/23 I report XXXX transactions suspicious from my checking account from Bank of America XXXX XXXX CA # XXXX filled fraud # XXXX total {$1600.00} Bank close my claim whit no consideration they refuse to give credit my account is negative- {$160.00} I call several times to fraud department but they dont answer any cuestin, my situation is terrible, I never made the transaction never authorized the Company 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 monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is still reporting incorrect information on my credit report, I have submitted all need documents. I am ready to take Legal action against this 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 explanation
Consumer complaint received 2023-12-29 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received multiple phone calls a day from XXXX. to XXXX from midland financial saying I owe a debt for XXXX credit cards. I asked for documentation showing what was owed and a breakdown of payments and outstanding debt as well as showing that it is in fact me. I was told they do not need to provide info I requested. I told them if is my debt I'd like to work with them to resolve the debt but they need to work with me. I was told it's me who owes and they do not need to work with me. My accounts will be going to a lawyer for legal actions. I responded with if you aren't willing to provide info I guess I'll see u in court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax admitted that my personal information and credit history was breeched and sold on the dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank transferred without my authorization from my savings account to my pending account to update a negative amount

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