vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$7500.00} Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}

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 2024-12-31 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:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name TXXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$7500.00} Account NameXXXX XXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a Bankruptcy reported to my credit and credit agencies. I reached out to the clerk and she advised that they do not report to the credit agencies and I requested who gave information without permission. Please investigate.

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 2024-12-31 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: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/year> I signed up for a Discover It card. The promotional XXXX was to be for 0 % for XXXX months. After receiving my statements it is showing only XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shepherd Outsourcing, LLC
State: IL

Complaint narrative:
I got a call from XXXX ( XXXX ) XXXX in which my caller ID has the name Shepherd, I answered to try and see who it was. They were telling me about a loan that I took out with XXXX XXXX XXXX and then it was transferred over to XXXX XXXX XXXX. I had mentioned to them that I was in contact with the company that I originally had conducted business with and settled on a payment plan. The lady on the phone said thats not how it works and basically said that they had reasonable thought to have this case to be legally processed. I found it threatening that she would say that because I wasnt going to comply with whatever she wanted me to do. I did in fact ended up hanging up the call because I didnt want to waste my time with that anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XXXX of XXXX I lost major income. I reached out to Arvest bank to see if I could receive financial assistance. On XX/XX/XXXX I received a application for financial assistance and completed it immediately. On XX/XX/XXXX I made a payment of {$950.00} to bring my loan one month current so that I could receive financial assistance. I made the payment over the phone and I was told that I would receive a call back. Days went by when I got a phone call on XX/XX/XXXX however, I personally didnt receive the message to call back until XX/XX/XXXX. Arvest is closed on the weekend. Monday, XX/XX/XXXX I called back. I was then told that because my loan came due on XX/XX/XXXX that I would have to make another payment in order to receive the financial assistance they were going to give me. I argued this and was told I would receive a phone call back. Its XX/XX/XXXX and I get a email stating I should call in. I call in and a young lady named XXXX ask ME the status of my financial hardship application. Completely confused I stated that I was calling in to actually receive information after not hearing anything. My phone is turned off but its only been off one day. I then asked if there was a higher up like the president of course or the vp that I could speak to because I would like to at this point file a formal complaint. This is where things go complete left. XXXX - XXXX, a supervisor gets on the phone with me. As Im stating the issue I hear XXXX IN THE BACKGROUND. THIS LADY IS PRESUMABLY RECORDING OUR CONVERSATION ON XXXX. I confront her about this she soon makes an excuse to get off of the phone and hangs up. Ive not received any solution to my hardship from Arvest and I personally feel as though my rights and privacy has been completely violated! 

You can hear the notifications from XXXX as shes receiving messages or posting etc. 

If someone one could address this matter immediately and also help me get resolution for this hardship I would appreciate it! I was told a manager XXXX would call me back and he hasnt yet,

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 2024-12-31 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: MA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-31 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: NV

Complaint narrative:
I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c

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 2024-12-31 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IN

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 XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5400.00}, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$960.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$150.00} Inquiries : XXXX, XXXX card, resident verify, syncb/paypal.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: IN

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 XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$960.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$150.00} Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US 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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently opened a Citibank Costco Card on XX/XX/year>. I went through many hurdles with opening this account to the point I wrote into the Executive Office for assistance with my application. I finally received a call back was told they needed proof of income which I submitted and I was approved a few days later. I just received my card 3 days ago and used the card twice for small purchases. I logged on the card today XX/XX/year> and on the app it said closed. I've done nothing wrong and followed all steps necessary to have a card. I feel Citi has singled me out and have XXXX discriminated because of the XXXX XXXX XXXX XXXX  to close my account without merit or reason.

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 2024-12-31 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: NY

Complaint narrative:
FCRA Law protects from fraud my information was exposed in a data breach, also information put on my report without my permission.and according to the fair credit reporting act 15 USA 1681 iam promised accuracy in my report based on the federal law, and as I can see from the credit bureau system that they can not validate or verified the information that they put on my report without my permission. As a result, this derogatory information is hurting my credit.

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 2024-12-31 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: NY

Complaint narrative:
FCRA Law protects from fraud my information was exposed in a data breach, also information put on my report without my permission.and according to the fair credit reporting act 15 USA 1681 iam promised accuracy in my report based on the federal law, and as I can see from the credit bureau system that they can not validate or verified the information that they put on my report without my permission. As a result, this derogatory information is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FCRA Law protects from fraud my information was exposed in a data breach, also information put on my report without my permission.and according to the fair credit reporting act 15 USA 1681 iam promised accuracy in my report based on the federal law, and as I can see from the credit bureau system that they can not validate or verified the information that they put on my report without my permission. As a result, this derogatory information is hurting my credit.

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