vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened with XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number. ( XXXX ), an credit card account open with XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account open with XXXX  XXXX on XXXX XXXX under the account number ( XXXX ), an credit card account open with XXXX XXXX on XXXX XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Today I found out I had an account that is no longer active that has been closed that was opened in my name due to the data breach. I have no experience or any dealings with this company. It was open without my knowledge. The name of the company is city cards CBNA. The date the account was open was XX/XX/year>. The current balance is {$3600.00}

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 2024-12-26 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX 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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
In XXXX, I opened an account with Citi as an international student. In XXXX, my card expired and my account was set to inactive. Since then, for over XXXX years now, I have been trying to reactivate my account. To do this, I have contacted customer service about XXXX times ( I am not exaggerating ). I was told that the only way to reactivate the account was to send a physical letter to their address in XXXX XXXX, Texas. So I did, but nothing happened. Meanwhile, they are taking fees from my account. 
With my account inactive, I can't do anything, I can't transfer money, nothing at all.

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 2024-12-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This complaint is in reference to complaint # XXXX, whereas the complaint was closed due to Lender stating that they can't respond because there is a pending litigation on my complaint. I am stating that my litigation is regarding the lender illegally locking me out of my property, and removing personal property. The above complaint is regarding deceptive practices with loan modification, not responding to loan modification application, and misrepresentation of advocacy group in order to help resolve foreclosure. Therefore, I am requesting that PHH be investigated about these unfair/deceptive practices as I am trying to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Today, XX/XX/24 my credit builder account for Chime was closed for delinquency. The amount they said I was over drawn was {$220.00} I opened the account XX/XX/24, it was a credit building account, so I should only be using the money in which I already have, and I did. This is every single transaction on this card and they refused to tell me how it was even possible I OWED them money. ( The ( + ) is a transfer. The ( - ) was my money spent/transferred back to my savings account. ) - XX/XX/24 ( + {$100.00} ) - XX/XX/24 ( - {$10.00} ) - XX/XX/24 ( + {$1000.00} ) ( - {$1000.00} ) ( - {$0.00} ) - XX/XX/24 ( - {$79.00} ) - XX/XX/24 ( + {$830.00} ) ( XXXX ) - XX/XX/24 ( + {$210.00} ) ( + {$210.00} ) ( - {$210.00} ) ( - {$210.00} ) - XX/XX/24 ( + {$1000.00} ) ( - {$1000.00} ) ( + {$170.00} ) ( - {$170.00} ) - XX/XX/24 ( + {$870.00} ) ( - {$870.00} ) - XX/XX/24 ( XXXX ) ( XXXX ) feel free to use a calculator and see if I owe them money. All I did was move my money to my savings and if I spent anything, it was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am trying to unfreeze my credit. I tried to reset password but have a new phone number. I found link to reset by email, but they never sent me an email. I tried multiple times on XX/XX/year> to call them. Automated service would at some point say can't help me and abruptly hang up. I'm now unable to obtain credit because Experian will not unfreeze my credit reporting. I note it was a very easy process with XXXX and 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 2024-12-26 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding the continued inaccurate reporting of a bankruptcy on my credit report by Experian. Despite my repeated disputes and requests for verification of the information, Experian has failed to provide adequate proof of their verification process, in violation of federal law. 
Specifically, Experian has stated that they verified the bankruptcy through documents furnished by the XXXX XXXX XXXX. However, upon contacting the XXXX XXXX XXXX, I have confirmed that they do not verify such information for credit reporting agencies. Furthermore, XXXX, another reporting agency, has removed this same bankruptcy entry from my report following their own review and determination that it was inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and verifiable information on consumer credit reports. Section 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 1681i, when a consumer disputes the accuracy of information, the reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and must delete or correct information that can not be verified. 
Despite my dispute, Experian has not demonstrated compliance with these obligations. They have failed to provide me with any evidence or documentation detailing the method and process used to verify the bankruptcy entry. Their lack of transparency and continued reporting of inaccurate information is causing ongoing harm to my creditworthiness and financial well-being. 

Enclosed, I have included the following supporting documents : A copy of my correspondence with Experian regarding this dispute. 
Evidence of XXXX removal of the bankruptcy from my report. 
Documentation of my communication with the XXXX XXXX XXXX confirming they do not verify such information. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation to proceed with your investigation.

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 2024-12-26 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'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX  did not give consent to share my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
My car was totaled in XX/XX/year>. Progressive insurance paid the estimated value of the claim in mid XX/XX/year>, it was not applied until XX/XX/year>. I have contacted the XXXX insurance company XXXX and was told that they are waiting on information from Bridgecrest. Bridgecrest is still trying to collect bi-weekly payments on the car while also delaying taking the steps to close out the 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 2024-12-26 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to add my income information to my Experian Credit profile for over 90 days. I have brought this to Experian 's attention and it was assigned to Experian 's engineers and product team, according to Experian. They have no timeline of when this will be resolved nor an explanation of why it is occurring. In my opinion there is a promotional block on my credit profile internally, that they do not know how to remove.

Without being able to add my income information, it prevents me from being able to access and interpret all of the features of my credit file that resides with Experian. It also is blocking other companies from being able to view my credit file and determine eligibility for credit products. This is discrimination. XXXX other members of my very own household have absolutely XXXX problem adding their income information to their credit profiles and as a result, they are not blocked from potential creditors checking their reports for eligibility of certain credit products. 

I have inquired repeatedly for several months about the resolution of this and they continue to acknowledge it exists but will not resolve it or provide a timeline of when it will be resolved. Additionally I received a postcard from Experian on XX/XX/2024 telling me that Experian has removed my name from the preapproved credit offer mailing list for 5 years. I never requested this. I also am including a front and back copy of the postcard received.

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 2024-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I received a letter from t-mobile stating I owed a balance to them. Im currently on a family plan with my mother and the account is current. Even before the so called balance was sold to a debt collector I called t mobile and had them investigate this matter. 
In XX/XX/year> there was a purchase using my bank account in the amount of XXXX from t mobile which was unauthorized and disputed with my bank. I called t mobile and nobody could pull anything up on my account. 
Now in XXXX this debt with my name attached to it is on my credit report fraudulently and I need it removed immediately as Im certain it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: IL

Complaint narrative:
On the date of XX/XX/year>. I received a notification for a possible fraudulent charge on my credit card. When receiving the text I confirmed that this was fraud through the automatic text system. I confirmed the charge XXXX minutes after receiving the text message because my phone was on silent. I then called and reported that this was a fraud charge to the bank immediately after receiving the text message. They told me to wait and that the claim should be examined and resolved. Instead of closing my account and restricting access to my credit card, the opted to send me a new credit card. I called my personal location of banking where I used to live for an update on XX/XX/XXXX and they said it was denied. I then called the bank ( KeyBank ) and waited on hold, and was hung up on and had to re call. I then got ahold of somebody and they said the claim was denied because it was an authorized payment. I exclaimed that it was not, the company that apparently charged my card, does not exist anywhere in my area. The charge also came out of XXXX, Illinois. Which is XXXX and a half hours from my current address. I also explained to them that the person who made unauthorized charges on my card attempted to charge my card {$3000.00} dollars twice, but the second did not go through because of the credit limit on my card being {$5000.00}. I also explained to them that the company does not exist if you google it anywhere or would have a contact number to contact the business. They claimed they would re look at the case and call me back. The other issue is for an actual product I purchased earlier in the month, sent me a refund for {$100.00} to that card, that I can not access because of this fraudulent activity on my credit card account. So Im being withheld {$100.00} because of this fraudulent claim not being taken seriously. 

I did not authorize this charge of {$3000.00}. 
I do not know the company affiliated with charging me {$3000.00}. I can not find the company that charged me this anywhere on XXXX maps, or any contact information. This company attempted to charge me another {$3000.00} on the same day as the processed {$3000.00} charge, but could not complete because my credit limit is {$5000.00}. I do not have the ability to travel to XXXX IL to make this purchase because I do not process a vehicle to get there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MS

Complaint narrative:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating. 

The effectiveness of the financial system is thus hampered if there is a breach concerning the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by this.

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