vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-08 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: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
I am writing to complaint to CIC CREDIT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TN

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts, as there seems to be an issue with their accuracy on my credit report. Although these accounts were removed before, they have been added back without my knowledge. I did not receive any notification or mail correspondence regarding their reappearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AK

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




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I was a victim of identity theft thru a data leak trying to repair all the damage that was done to my credit fcra 15 us code 1681 protection needs to be applied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

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 2025-01-08 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-08 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft exposed in the Equifax Databreach. 
Under the FCRA Code 15 U.S Code 1681c-2 states the consumer reporting agency should block information resulting in identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
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 2025-01-08 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-08 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this claim because I have been the victim of identity theft, which has resulted in fraudulent accounts being reported on my credit file. These unauthorized accounts and activities have significantly impacted my creditworthiness and my ability to obtain credit in my name. 
The accounts listed below were opened or reported without my knowledge or consent. Despite my attempts to resolve this by asking the companies to verify the accounts and provide proof of their validity, including contracts or agreements bearing my signature, they have failed to comply. Here are the accounts and inquiries : XXXX XXXX XXXX # XXXX {$18000.00} XXXX # XXXX {$1300.00} XXXX # XXXX {$3800.00} INQUIRIES : XXXX XX/XX/year>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 XXXXXX/XX/year> To date, the companies have not provided sufficient evidence that these accounts are legitimately associated with me, and they continue to report inaccurate information that is damaging to my personal and financial reputation.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: FL

Complaint narrative:
Upon receiving a notification in the mail asking for payment or communication by XX/XX/year>, I submitted a certified letter to Client Service on XX/XX/year> asking for the following : 1. Cessation of Contact ( FDCPA ) : Under 15 U.S.C. 1692c ( c ), I am invoking my right to require that you immediately cease all collection activity and refrain from any further contact with me regarding this alleged debt. This includes all communication forms, whether by phone, mail, or any other means. 
2. Prohibition of False or Misleading Representations ( FDCPA ) : According to 15 U.S.C. 1692e, any continued attempts to collect on a debt that may be unenforceable or time-barred could be considered misleading and deceptive under federal law.

3. Debt Verification ( FDCPA ) : Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand full validation of this debt. I am requesting comprehensive proof that this debt is legitimate, and that Client Services has been legally assigned the right to collect it. Please provide : a ) Original Documentation of the Debt : A copy of the original signed agreement with XXXX XXXX  that establishes the debt and my obligation to pay it. 
b ) Chain of Custody and Assignment Rights : Documentation proving that this debt was legally transferred to you, including any assignments, sales, or transfers from XXXX XXXX  to Client Services. This documentation must confirm that you have the lawful right to collect this debt and act on behalf of the original creditor. 
c ) Detailed Validation of the XXXX : An itemized breakdown of the amount allegedly owed, including any interest, fees, or other charges, to ensure accuracy. 
d ) If you can not fully validate and document this debt as outlined, you are legally required to cease all collection efforts. Continued attempts to collect without providing this validation XXXX be a violation of the FDCPA, which I am prepared to enforce through all available legal channels if necessary. 
XXXX. XXXX XXXX XXXX ( FCRA ) : Under XXXX U.S.C. XXXX, I am demanding that you refrain from reporting this debt to any credit bureaus. If you have already reported it, please take corrective action to remove the entry, as failure to do so XXXX constitute inaccurate reporting in violation of federal law. 

Not only have they not responded within 30 days, they have continued to call my phone on a near daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XXXX XXXX, the Apple Card Rewards & Offers > Merchant Benefits > See Details page advertised the following for Booking.com : Get 3 % Daily Cash when you use Apple Pay on eligible stays and car rentals. 
Plus, earn 2 % in XXXX XXXX Credits, awarded by Booking.com, on eligible stays and car rentals. 
To access these benefits, you must use the Website button to visit the XXXX XXXX for Apple Card customers. 

With regard to a {$490.00} transaction from XXXX on XX/XX/year> at XXXX. 
I did not receive the 3 % XXXX XXXX, only 1 % I used the required link to make this reservation. Booking.com did give me their internal 2 % rewards bonus, establishing that I did in fact use the correct booking link. 

I contacted Apple Card support and was told I was only eligible for 1 % back because I used my credit card number instead of Apple Pay. I had a very frustrating support experience, as the conversations abruptly ended without warning after I took a few minutes to reply and you can not just jump back in as with other XXXX support chats. 

Apple Pay repeatedly failed. Im sure Goldman Sachs/XXXX  can see the failed transactions. For my own convenience Apple Pay is ALWAYS my preference with any of my credit or debit cards. I had no choice but to type in the card number. 

The terms and conditions say I need to book using that link and use my Apple Card it says nothing about Apple Pay, although I certainly did try.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
On XX/XX/year>, Arvest Bank XXXX XXXX charged me for the amount of {$30.00} fee for simply stopping the payment transaction. 
I don't think it's right to charge someone a crazy fee for just stopping the payment without any prompt on the app. If they let me know that they are going to charge me {$30.00} fee for just stopping the payment, I would never accept it. They are trying to make a profit to their consumers with these crazy fees. When I tried to contact them, they told me that they can't help me because the one who took the money is XXXX and they keep insisting that there is a Disclosure or a prompt that will pop up but there isn't. On the other hand, when I tried to call XXXX, they told me that they can't help me because the XXXX on the bank is integrated on their system so they told me to call the bank itself. So what they are doing is they are doing is they are just transferring me back and forth and there is no one really helping me. I don't think it's justifiable to charge someone {$30.00} for a fee just for them to make some money out of their consumers/customers.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My identify was stolen XX/XX/year> all my information and credit cards were in my purse. I reported all XXXX XXXX and ordered new cards. Also reported to credit bureaus such as XXXX, XXXX, XXXX. I think XXXX put fraud alert on my social security which I have still not received a new copy of yet. I want file a complaint on information used. It appears I am receiving calls and email from debt collectors I didn't even apply with. Also, them using old address of mine to theft my credit. I would anything unfamiliar removed off my credit. XXXX XXXX  XXXX XXXX etc list of debt collections. Also, all old address removed off my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: U.S. BANCORP
State: FL

Complaint narrative:
To management name as XXXX XXXX On XX/XX/year> your office received my request for Elan financial services to provide proof that I have given authorization of an inquiry from your company on 1.Elan financial services XXXX XXXX You have not responded to my request and you are in Default. 
Immediately removed any derogatory reporting to the credit reporting agencies because you are causing defamation of my character and I will be forced to take legal action against you and Elan financial services.

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