vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Im not sure, but the amount is Is for {$310.00} The date is from 2017 I also asked For the purchase Agreement And theyre just keep sending this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In late XX/XX/XXXX, I applied for a XXXX XXXX XXXX XXXX XXXX Airlines XXXX XXXX The AA website promised XXXX bonus AA miles if I spent {$10000.00} within the first 3 months, which I did. Citi only gave me XXXX miles. 

I called Citi on XX/XX/XXXX and asked for the missing XXXX miles. On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX denying my request. 

I phoned Citi on XX/XX/XXXX at XXXX PM and spoke to an agent, and then a supervisor. My request for the additional XXXX miles was denied. 

I interacted with a chatbot on the XXXX XXXX website beginning at XXXX PM on XX/XX/XXXX. Again fruitless.

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 2024-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CO

Complaint narrative:
Ive been having trouble verifying my identity on CashApp since I turned XXXX. I ended up closing the account Ive had for 4 years and made a new one, hoping that it would resolve the issue but I ran into the same problem. Contacted the customer support agent once again and complained about the problem, and got the exact same copy-and-paste response which was to use my full legal name, which Ive obviously tried hundreds of times on both accounts. I get the same error message saying something doesnt match up. Customer support is useless and never actually answers the question you ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

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 accounts : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
I would like to file a complain because I am not able to place a credit freeze with Equifax. This a service which Equifax is legally required to make available to me for free. Onerous authentication requirements make this service inaccessible to me. 

First I attempted to authenticate on the web site. I was able to create an account, but the site says, " Please give us a call : We can't complete your request at this time. Please call the Customer Care team. '' I called the provided phone number, and the customer service representative tried to authenticate me, but the process failed because I do not have a smart phone capable of opening the Document Verification link. When I visited those links in my browser, the site said, " The Document Verification Service should be launched in a mobile browser. '' The representative said there was not another way, so I expressed that I would like to file a complaint or speak to a supervisor or manager. He transferred me.

The supervisor offered to verify my identity by emailing me a link that required me to upload two documents, one showing my full Social Security Number ( SSN ) such as a pay stub, XXXX, or Social Security card, and another showing my current address such as a Driver 's License. Being in the middle of moving house, my Driver 's License no longer has my current address, but it does have the previous address, which is only two weeks out of date, and which I submitted with my account creation request on the web site. My employer does not include a full SSN on pay stubs or XXXX, and I was not able to locate a social security card. I believe I have never needed one before.

I'm finding this authentication process to be onerous. The assumption that every consumer will have a smartphone with a mobile browser is flawed. And the requirements for documentation are excessive : they are more than my bank requires to approve me for a home mortgage, and they are more than any landlord has required to rent a home to me. 

The supervisor confirmed there is no other option : I will have to wait for my bank to report the new address and/or obtain a social security card. But I don't want to wait that long due to the the recent XXXXXXXX XXXX XXXX XXXX 

I understand the need to protect consumer data from fraud, but if I can not freeze my file in the wake of a major data breach, the system is broken. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried logging in to my XXXX account and was not able to. I tried contacting them and was not able to.

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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Bank has held my funds for over a year now. we thought the XXXX dollars I deposited in XXXX of 2023 were sent back to my boyfriends ( XXXX XXXX ) account at XXXX XXXX XXXX in XXXX of 2023. I guess I made a mistake by depositing the check in their atm. They said we needed to fill out a form, I had no problem signing any papers necessary. In XXXX of 2023 they said the funds would be mailed to me or sent back to the creator of the check. At that time, they closed my account with my funds still not returned. Since we didn't receive a check, we thought the funds were returned to XXXX XXXX. Little over a month ago we needed the money to pay bills loans etc. Called XXXX XXXX to withdraw funds and found out the money was never put back. Now we were in a serious bind, started calling TD trying to get my money because the electricity was shut off, loans are now past due. They had me go into the TD brank in XXXX XXXX to close the account that was already closed and get the funds. That never happened had me calling the fraud department person after person. Everyone has lied to us. They told us fund were put into a XXXX  account. then they told us they didn't know where it was. I had a 3way call with TD, XXXX XXXX and myself to verify funds. nothing has been done to date. Im still without power no food ( except from XXXXXXXX XXXX ) bills piling up. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Clasp Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice from Stride Funding that they needed official documentation to assess my current income. In that notice, they stated that I can mail them a copy of my XXXX XXXX XXXX XXXX, so I printed out a copy and mailed it to the address as requested. However, when I logged into my account on XX/XX/XXXX, I noticed that my income was incorrectly listed as {$95000.00}. I sent them a message through their online portal to let them know that this was incorrect. However, the very next day on XX/XX/XXXX, I received a billing notice for a monthly payment based on that incorrectly listed income. I called them on XX/XX/XXXX to get this corrected and spoke to a representative, who told me that they had no documents on file for me ( although I had mailed them a month prior ) and that since I emailed them a document, it would take 10 business days to process this income update request. However, in case things are not updated in time, if I did not pay the billed amount, I would be charged a late fee of {$25.00}. I told her that I did not think this was fair, and it didn't seem legal for them to falsely report an incorrect income amount on my account. She stated that my contract states that this default amount would be listed in absence of income information ( which was not true- I checked all the documents of my XXXX agreement and that amount was nowhere stated. The representative also acknowledged later that she did not see that amount stated on my XXXX agreement as well ) and that they state {$95000.00} for all of their clients under this specific loan that do not provide income information. I asked to speak with her manager, but as it was the end of the day, she said none was available. I asked if she could send a message to her manager on my behalf and ask for a callback, to which she said she could, but there was no guarantee that the managers would call me back. According to her, she had messaged managers before and they usually don't call back or will say the same information that she provided. This feels negligent on the part of Stride Funding, and I wonder if this is mishandling my contract as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected

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 2024-08-28 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
I used XXXX to dispute a new credit card opened with XXXX XXXX. I called XXXX XXXX to close the fraudulent account with XXXX and to get the due amount XXXX. They then closed the account. The initial alert was from XX/XX/year> and we called XXXX XXXX on XX/XX/year>. On XX/XX/year>, I found my credit report having a past due balance by more than 30 days of {$2500.00}. The account still says that it is closed on my credit report but it has a balance that should not belong to me. Since, I have frozen my credit reports on XXXX, XXXX, and Equifax to make sure this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX  XXXX ) I appreciate your prompt attention to this matter. 

Sincerely,

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 2024-08-28 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-27 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: NV

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-27 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:
I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 accounts : XXXX XXXX XXXX XXXX XXXX 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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