vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I reached out to Experian 3 months in regards to the fraudulent activity on my credit account. My name is not spelled correctly, there are many incorrect reported addresses, there is fraudulent activity on my account. The amount owed is inaccurate. Experian has yet to verify this information and they have yet to delete it. Its been over 3 months since I sent them a letter, telling them they are committing fraud on my account.

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 2022-07-26 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
During the months of XXXX 2021. I was charged a total of XXXX late payments with my auto lender. Prior to these late derogatory marks on my reports I contacted the lender explaining my financial situation due to covid and promised to make some sort of payment of each month to avoid late payments on my reports. The creditor still went ahead and reported me late for several months which ruined 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
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type

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 2022-07-26 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: IL

Complaint narrative:
I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type

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 2022-07-26 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 am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX  Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received and email XX/XX/22 at XXXX am stating this : I did NOT open this account nor approve this account. They used my name, address and SSN to open this. 

TruistLogo Client Name : XXXX XXXX Application ID : XXXX We're happy you're here. 
This is an automated message. Please do not reply directly to this email. 
Here are your new account details. 
Hello XXXX, You're one step closer to reaching your financial goals. Thanks for opening your accounts, we can't wait to start working with you. 

Wondering what to do next? 

Skip the trip, bank from the comfort of home with Truist Online Banking. 

Wherever you go, we go. Bank from anywhere and any device with Truist Mobile. 

Here 's your new account summary : Account ( s ) : Truist One Checking XXXX Name ( s ) on account : XXXX XXXX Questions? Call us at XXXX ( XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
This company has filed a collections against me which has now affected my credit. I have NO collections & my credit score is nearly perfect. I haven't had anything go to collections in over 20 years. I have an account with XXXX, which I had to open after a security breach within the government. This collection was just filed & already hit my credit report. I have seen many other complaints about this company, so I know they are not legit. 
I have filed a dispute with the XXXX. Response is below : Complaint : XXXX I am rejecting this response because : I have never lived in New York. The bills that have been submitted in my name are to an address in NY. Obviously, since you can see ALL of my information, you would know that I have NEVER lived in another state. I will NOT pay this debt as it is not mine & never was. I don't know who has my information but I refuse to pay a XXXX XXXX  debt that was opened fraudulently. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I do not have business with this company and they are constantly calling me from different numbers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi Im having a lot of trouble trying to get a lil bit of help I am going thru hard times right now I got XXXX I am not working and I was just trying to get a lil something at least and nothing is letting me I been working since XXXX under my social and never took anything out besides my XXXX XXXX XXXX XXXX  that XXXX qualified me about XXXX and a half I got it on payments I put a XXXX dollar down i just need some help I even tried getting a loan and everything tell me the same Danm thing Im going to try a loan in person I need help asap Im XXXX I have pics of my XXXX checks if you need a picture just lmk Ill provide for you well what else can I say hopefully Im Abel to get sum help in person my phone # is XXXX contact me Ill be glad to provide anything for sum help thank you god bless you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
A creditor is currently reporting incorrect information to XXXX, XXXX, and TransUnion credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my TransUnion report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on 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 2022-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A creditor is currently reporting incorrect information to XXXX, Experian, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my Experian report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on 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 explanation
Consumer complaint received 2022-07-26 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit report AVANT has violated my rights In accordance with the fair credit report. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.

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 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than $ 100K to purchase a car, file 2 police reports one in XXXX and another one in XXXX  were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

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