vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a dispute with Bank of America for several unauthorized transactions, they only credited me for several but they denied XXXX which was supposed to be together with the ones they credited me for. The claim not paid is in the amount of {$650.00} which was made on XX/XX/year>. They did not let me reopen 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 monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited my paycheck through my XXXX XXXX XXXXXXXX. Before making the XXXX  deposit Truist makes you sign the check for XXXX  deposit only. Once check was deposited they are holding the check until XX/XX/year>. How can they put a hold on your money/weekly wages for XXXX days? I have bills to pay. They do not warn you of possible holds until you have signed the check and made the deposit.

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 2024-07-10 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report : - Account Number : XXXX - Creditor : XXXX XXXX - Amount : {$140.00} - Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX - Amount : {$200.00} - Account Number : XXXX - Creditor : XXXX XXXX - Amount : {$1900.00} According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under certain permissible purposes. I have reviewed my records and do not recall ever providing written consent for XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX to furnish or obtain my credit information. 

I believe this account is being reported in error. I request that you immediately investigate this matter and remove this account from my credit report if you can not verify the existence of my written consent. Please provide me with the documentation that shows I authorized this account. 

I understand that under the FCRA, you are required to investigate my dispute and respond within XXXX days. Please send me a written confirmation once the investigation is complete and the account has been removed or corrected.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paradigm Assets, LLC
State: VA

Complaint narrative:
I've been trying for months to get a debt collection from Paradigm Assets Recovery removed from my credit report. The original debt was to XXXXXXXX XXXX, and went into default in XX/XX/XXXX. At some point, the debt was sold to Paradigm Assets Recovery. The debt is now over seven years old, and I keep asking to have it removed from my XXXX credit report, but they keep declining to remove it, without providing any proof. I can not contact Paradigm directly due to their history of fraudulently extending debt reporting based on even a phone call to them. Indeed, Paradigm continues to retaliate to my disputes- they now report that the debt started in XXXX, without providing any proof. 

I can no longer access my credit card statements from XXXX 's, but I have attached two " nag '' emails, indicating that my account was past due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/year> it says I open a car loan for XXXX $ which I havent had an car loan since my first XXXX, I contacted the bank which I was told to file a report and contact my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXXXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXX  ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my 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 2024-07-10 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-10 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: TX

Complaint narrative:
Auto Direct XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEBRASKA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MOVEMENT MOR XX/XX/XXXX XACTUS-CP/MOVEMENT MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FRIENDLY XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX NOWCOM/WESTLAKE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX NOWCOM/MOORE AUTO SALE XX/XX/XXXX SECURITY XX/XX/XXXX XXXX LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
This problem happened after my XXXX account was hacked last XX/XX/year>. 

So these were the transactions they were able to get from my bank account XXXX XXXX XXXX XXXX XXXX XXXX ) through the company Remitly, an online money transfer company : RMTLY* 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 Total {$1900.00} All these transactions were 15 total in one setting. It is impossible for the company to not notice this kind of fraud. Although my bank should have notice it too. 
My bank finally gave back all the money taken away from me yesterday, XX/XX/year>. 

Hope some measures will be taken to address this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was called today by Apple XXXX regarding an issue on my account. I told them that I do not have an account, and I have no idea what they are talking about. They then said that this is in regards to an online chat from XXXX regarding a purchase XXXX days ago using an Apple XXXX. I told them I do not have no have I ever had an Apple XXXX. Clearly someone has compromised my information to open the card and make purchases. The XXXX account tied to the credit card is under my name, but I have no access to it, and the primary email address does not belong to me. 

They told me that the credit card was opened in XXXX XXXX XXXX, and several purchases were made, with the products being either gift cards, or shipped to XXXX XXXX. 

Apple has then told me that I need to contact the police department in XXXX XXXX to open an investigation into how my information was compromised in order for them to shut down this account. I don't understand how this is a feasible resolution. 

None of this credit card activity has shown up on my XXXX, XXXX, or XXXX reports. Apple is now threatening me that the balance will go to collections, which will adversely affect me. 

Considering Apple failed to properly verify the identity of the person in XXXX who stole my identity, and they have the transaction records regarding opening the account, I don't understand how it is my burden to resolve this matter. Further, Apple is in the first position to investigate this issue, but is refusing to do so. They are also requiring me to use their XXXX speaking customer support only to further deal with the matter, even though their team is based in the XXXX. 

Considering that my email address is not associated with an apple account, how was I even to know an account was opened in my name, let alone in another country? Am I to inquire with every company that issues a credit card in every country in the world? I'm just asking for Apple to shut down the account and to do their own due diligence. 

The matter with Apple is case XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: CA

Complaint narrative:
XXXX took over the loan from XXXX XXXX, they lied and said they were servicing the account however, XXXX XXXX XXXX closed on my credit report and XXXX  is now listed. XXXX then closed and reopened the account dropping my credit score by over 50 points.

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: AL

Complaint narrative:
In reference to previous complaint # XXXX, I respectfully disagree with the response from First Horizon Bank and continue the claim with two simple questions and request to provide documents : Q # 1 Why can First Horizon Bank not reverse those unauthorized transactions? 
Q # 2 Why is First Horizon Bank in dispute with Depository Financial Institutes? 

Request to provide the following : 1. Written Statement of Unauthorized Debit Copy ( WSUD ) ( ODFI to RDFI ) : Kindly provide a copy of the Written Statement of Unauthorized Debit ( WSUD ) as submitted from the Originating Depository Financial Institution ( ODFI ) to the Receiving Depository Financial Institution ( RDFI ). 
2. Breach of Warranty Claim Against RDFI : Have you ever filed a Breach of Warranty Claim against the RDFI? If so, please provide a copy of the claim along with any responses received pertaining to the claim. 
3. Documents from the ACH Contact Registry : Please provide any relevant documents that may be available through the ACH Contact Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: SD

Complaint narrative:
This loan is illegal in the state of South Dakota it charges over 400 % interest which cause financial hardship and bankruptcy in the people who use evergreen loans services. This loan company is lending illegally online in the state of South Dakota on tribal land under the pretense of a installment loan but it is a payday loan and this loan and this company is violating federal and state laws lending in South Dakota this loan company also is violating the rico act and I call on the federal government to investigate all tribal loan online lending practices and the interest rate they charge causeing long term harm and financial hardship and bankruptcy to the citizens of the XXXX. I revoke all signed agreements and documents with evergreenloans this is an illegal loan and I am not a XXXX XXXX I am a citizen of the United States and under federal law and jurisdiction. I call upon the XXXX government to stop these predatory loans and help us because this is ruining good peoples lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation