vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete these two accounts as they do not belong to me and are fraud. I have included the identity theft report. 

XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I paid my balance off on XX/XX/XXXX amount {$470.00} for XXXX XXXX XXXX and it's not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: PA

Complaint narrative:
Unauthorized transaction made on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are reporting a collection account by XXXX XXXX XXXX XXXX. I have never done any business with them nor do I have any contracts with them or given them my consent to report this. I also don't owe them any money nor do I owe XXXX XXXX  money. Please remove this asap as it's against my rights. 

Collection Agency XXXX AND XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$4600.00} Amount {$4600.00} Status Date XXXX XXXX, XXXX Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: IL

Complaint narrative:
According to the 15 U.S.C 1681 the loan account should be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After submitting a complaint by phone directly to Equifax about incomplete information being allowed to be placed on my credit report. I have seen my credit score drop by XXXX points in 7 days from XX/XX/23 to XX/XX/23, it was obvious retaliatory behavior. Can someone check if this was a legitimate? " I spent {$45.00} on a target card '' and the score went down XXXX points. " A collection account was added '' my score went down XXXX points for an account that was already on there. " I spent {$390.00} more this month '' my score went down again but they did not report the one credit line went up by {$1000.00}. Equifax is not reporting the " good '' but are quick to report thing that are questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had received an offer in the form of checks which I didn't use before the expiration date. However on the offer it said I could use them but that the offer rate may not apply. 

On XX/XX/XXXX or XXXX I specifically called to question whether I could use the check and the agent said I could use XXXX to pay off an amount of {$2300.00} on a purchase. This merchant would not take a credit card only a check. I was told I could use it but I wouldn't get the promotional rate so I used it. This check was sent and it was paid on XXXX XXXX XXXX 

Then on Friday XX/XX/XXXX I received a letter from Citizens Bank that the check was returned as a stale dated check. 

I called Citizens on Sunday XX/XX/XXXX to complain and all they did was apologize that the agent was just a trainee! I am furious and embarrassed that this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC
State: CA

Complaint narrative:
I called Oliphant USA LLC on XX/XX/2023 to inform them that this debt had already been paid and gave them the information showing that it was paid, and they said that it does not reflect on their account and their system, so that I still owed the debt which has been paid in full and would not correct my credit report. I even called the law firm that I paid accounting for to and they also tried to call them and spoke with XXXX and they still have it on my credit report, This will be the third time Im disputing something that has already been paid, and they refuse to take it off my credit report as paid in full even though I have the documentation as well as the agent from the other company that will speak that is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an American Express gift card on XX/XX/XXXX for {$200.00} as a XXXX present / end of year bonus. I had not opened the card until today ( XX/XX/XXXX ) and when I went to make a purchase, the card was declined. When I checked the balance online, it said XXXX and that there was a charge from " XXXX XXXX XXXX XXXX '' on XX/XX/XXXX for {$200.00}. Not only was my card still in my possession and unopened until today, but I have also never been to that XXXX XXXX store ( XXXX XXXX XXXX, New York, NY ) nor was I in New York on that date. 

I called American Express on XX/XX/XXXX at XXXX XXXX, and was told that since it was a prepaid gift card, AmEx would not help and I had to take the issue up with the merchant. 

I called XXXX XXXX ( XXXX ) customer service and they told me they do not assist with fraud on XXXX  or Amex gift cards and I would have to take it up with American Express. 

It seems to me that American Express gift card numbers have been compromised, however American Express wants nothing to do with a ) fixing the breaches b ) ensuring consumer safety.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX are reporting different information. XXXX is reporting no late payments in XXXX and XXXX. However, XXXX has incorrectly reported late payment history in XXXX and XXXX. Please delete or removed all late payments. Account name : XXXXXXXX XXXX XXXX Account number : XXXX XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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 got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, The list of accounts below has violated my federally protected consumer 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

15 U.S.C 1681 1s- 2 a ) States : a person shall not furnish any information relating to a consumer to any reporting agency, if the person knows or has responsible cause to believe that the information is inaccurate. 


XXXX account # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX in Re : Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This is in regard to Ally Bank. 

My partner and I moved back from XXXX, XXXX to the US ( Friday XX/XX/2023 ) and we were looking for a home to rent. We found one and signed the contract ( Friday XX/XX/2023 ), which required us to wire funds to the listing agent 's company ( first months rent of {$4100.00} ) and the new landlord ( security deposit {$4100.00}, last months rent of {$4100.00}, and a pet deposit of {$1500.00} for a total of {$9800.00} ) within two business days. We then initiated the wire from our Ally savings account early that afternoon ( between XXXXXXXX XXXX and XXXXXXXX XXXX ) Ally allowed the first wire but then denied the second. Ally sent me an email to " Call [ them ] to verify some information. '' I called Ally, verified everything they asked ( SS #, name, phone number, both security questions ), and then they said the account was under review and they locked us out of our only savings account. I asked to speak with a supervisor to explain the situation further and said I could send over anything they needed to verify I am who I am ( e.g., video of myself + SS card, driver 's license, passport, contract of new lease, etc. ) Ally said none of that mattered and there was no way they could unlock my account as the process was now going through its motions which would take weeks, but said I can leave a message for the supervisor to call me back within 24-48 hours ( XXXX ). I called again after 40 hours ( Sunday XX/XX/2023 ), asking if I was to receive a call back and the women I spoke to said it's unlikely as supervisors don't work weekends (? ). I informed Ally of the urgency of this request and how us having a place to live was at stake- they said that didn't matter. 

We have been treated in such a cold and un-empathetic manner. Every time I speak with a representative their top concern comes across as getting me off the phone. This bank has verified all of our information and they are more concerned with protecting themselves from a potential < $ XXXX fraudulent wire ( which it isn't ) than having their 4+ yr member go without a home. In our most stressful moments, Ally Bank has proven their unwillingness to look after their customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I have a perfect credit score, and I do not owe anyone any money. First Credit Services robocalls everyday at least twice. I have registered my phone # since XXXX and then again on XX/XX/XXXX. The calls are annoying and constant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Please delete these inquiries from my credit profile as they do not belong to me and are fraud. 

XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation