vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashMax LLC
State: SC

Complaint narrative:
Received email from XXXX saying there was a change to credit report. A collection was entered on my credit report that dropped my score below XXXX when it was previously over XXXX. Filed a dispute with XXXX end of XXXX XXXX they came back with collection agency validated the information and collection stands they suggested I contact collection agency which I did on XX/XX/XXXX was informed I would receive documents within XXXX days. I waited about XXXX weeks and called back was told creditor had 30 days to mail out this information to me. Was able to get additional information this was from XXXX XXXX into a bank, XXXX XXXX, which I have no knowledge of nor did I apply for a loan credit or anything like this. This was from XXXX. Called back again on XXXX XXXX, spoke with a XXXX, was asked to wait on information another week called back in XXXX XXXX spoke with a XXXX XXXX asked me to wait another XXXX weeks and be patient because of holiday feel like Im getting the run around this is XXXX, XXXX XXXX XXXX their phone number is XXXX have not filed a police report yet because was waiting on supporting documents from this collection agency which I dont seem to be getting not sure what the next step 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SANTANDER HOLDINGS USA, INC.
State: TX

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I gave formal notice on XX/XX/year> per 15 USC 1681c2 to TransUnion and provided documentation, under the FCRA and law for the requested and required block of the listed accounts to be removed within four business days per identity theft. Not only was I a vicim and filed the report, I also signed the affidavit. Per certified mail records TransUnion received all of the documentation on XX/XX/year> and has FAILED to comply by law. Instead on XX/XX/year>, TransUnion sent a letter that was a lie and stated that they can not comply with the Fraud Block Request because they " Need More information Reason : <1> ''. According to TransUnions letter, that reason listed is, " Reason 1 : Your request is missing essential personal identifying information '', which is lie. I am hoping the CFPB reviews TransUnions false claims as I have been trying for over a year and TransUnion continue to send false letters and lie and it has hugely affected myself and my family. Not only did I submit all personal identifying information including my drivers license with my picture, a copy of my utility bill, signed personal affidavit, and FTC Identity Theft report identifying the details of the identity theft and identifying accounts and account numbers, I then submitted a CFPB complaint after receiving this letter. That complaint was sent to CFPB on XX/XX/year>. I attached all documents sent to TransUnion proving that I did in fact submit my essential personal identifying information. TransUnion received the complaint from the CFPB and all documents showing that I did submit all information to them including detail of the identity theft, and accounts. TransUnion responded on XX/XX/year> the to XXXX, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. ". As of XX/XX/year>, I received the exact same letter again from TransUnion saying the same thing which is false and stating that they are missing personal identifying information for them to place the Fraud Block on the listed accounts, which is not true. TransUnion did in fact put a Fraud Block and removed some of the accounts listed in my identity theft report but did not place it the following accounts and account numbers identified : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX which are all a part of the report and remain on my credit report. Please see the attached documentation sent to TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
so I am a XXXX XXXX XXXX XXXX XXXX and I never had the opportunity to learn what credit is and how it works until recently, growing up I had a house fire which my parents never recovered any of our important documents. 

Now that I am learning what credit is and Iooked at my report I have a bunch of accounts and collections that I am not aware of, and I know by law the creditors have to show proof of ownership which is not me cause all I have is my car through XXXX XXXX XXXX XXXX. 

These accounts listed is not mines and I have no idea of who opened or even authorized these accounts such as : 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 I ALSO HAVE COLLECTIONS ACCOUNTS THAT I DID NOT AUTHORIZE SUCH AS XXXX XXXX A I AM BEING HARRASSED BY BILL COLLECTORS AND I DID NOT AUTHORIZE NONE OF THESE ACCOUNTS AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bank offered a promotion of {$400.00} when you open an account and receive direct deposit if {$500.00} or more. Unfortunately the terms and conditions were deceptive as you must have your account for 60 days. I have called twice to confirm the promo was on my account which both advocates has advised me I would receive it on XX/XX/XXXX. Here today on XX/XX/XXXX I have not received my promo offer. 

Huntington used a deceptive practice to obtain account openings to not follow their own terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am writing to formally dispute multiple hard inquiries that appear on my credit report. Upon reviewing my credit report, I noticed the following unauthorized inquiries : XXXX. **American Express** XXXX Date : XX/XX/XXXX Account XXXX : XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Account Number : [ Account Number Here ] * I do not recognize these inquiries and believe them to be unauthorized, as I did not authorize any credit transactions with American Express, XXXX XXXX  XXXX or XXXX XXXX. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I am entitled to dispute information that I believe is inaccurate or incomplete on my credit report. I request that you investigate these matters at your earliest convenience and provide me with the results of your investigation. 

Upon completion of your investigation, please provide me with written confirmation that the unauthorized hard inquiries have been removed from my credit report. Additionally, if possible, please notify American Express, XXXX XXXX, and XXXX XXXX of the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
FRAUDULANT CHARGES, RETURNED TO XXXX, RETURN RECEIPTS WERE COLLECTED, THEREFORE I DISPUTE ALL CHARGES AS NON-RECEIPT, CANCELED & RETURNED, DAMAGED & RETURNED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc
State: TX

Complaint narrative:
I was in a car accident in Texas on XX/XX/XXXX. Cause and Liability was in dispute. Statute of limitations expired XX/XX/XXXX. There was no lawsuit or court adjudication of liability and all potential claims against me expired. XXXX XXXX at National Commercial Services, a debt collector, working on behalf of the other driver 's insurance company is still trying to collect a debt that is not owed and ran my credit report at XXXX on XX/XX/XXXX. She continues to threaten a lawsuit when no longer possible. During calls, she misquotes the law stating that the cause of the accident is not relevant because I did not have insurance. Texas Rules of evidence 411 says lack of insurance is not a factor for proximate cause, and Texas civil practice and remedies code 33.001 states a party can not recover unless the other party is more than 50 % responsible for causing the damage. Also, 16.003 gives the 2 year statute of limitation. Her false representations of the law were an attempt to coerce a payment that was not owed. Most importantly, she accessed my credit report without permission and without having authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My identity was stolen, along with taking money from my bank account multiple inquiries were ran on my credit. 

XXXX XXXX XXXX services ( bank ) XX/XX/year> XXXX card services XXXX bank ) XX/XX/year> XXXX ( bank ) XX/XX/year> XXXX XXXX card services ( bank ) XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My identity was stolen, along with taking money from my bank account multiple inquiries were ran on my credit. 

XXXX XXXX XXXX services ( bank ) XX/XX/year> XXXX card services XXXX bank ) XX/XX/year> XXXX ( bank ) XX/XX/year> XXXX XXXX card services ( bank ) XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My social security number is wrong on my credit report and so are several of the names wrong on report and several unauthorized credit checks done and alot my information on dark web also alot my information has been data breached and I don't recall a lot of inquiries 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 2024-12-31 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
This has been previously reported. I started reporting some charges on my account around XX/XX/XXXX. Various cases were created for me and i was always told someone will reach out to me within 3-5 business days. No one will but I will but if i am lucky i will receive information that it has been resolved and the after a while i will receive the same alert again that i owed. Affirm can provide the numerous cases that was created from the calls i was making to them to get this resolved and on each occasion i received conflicting information on its resolution and even the number of disputes. The purchases i made with the account was paid off in full, Even a ticket worth over a {$1000.00} was paid off. These purchases pinned on me were not made by me and i have even asked Affirm to provide the items for those purchases which i never received. 
I started calling them when i noticed these from XX/XX/XXXX. If they had resolved this timely like i was told on the phone communication with them and i had not received conflicting information it would not have gotten this far. there are some charges that are a minimum of {$11.00}. I would not ruin my credit for such a minimal amount when i could pay for a ticket worth over {$1000.00} with the same affirm. 
Affirm has not been fair to me by not resolving this timely, providing conflicting information for me to believe this is being resolved and taken off my report in my phone communication with them, not providing me information on the purchases made as well as reporting this to the credit bureau when this had been reported and in dispute without a resolution. I even received an. early XXXX from Affirm that they had noticed suspicious activities on my account which was after these charges i did not make meaning someone was trying to use it again, and this was probably caught because i had reported and started the dispute for these ones i am complaining about. There has been numerous attempts after i started reporting the charges, even before the breach with evolve bank which i received an alert too. 
I repeat that i did not make those purchases. When my credit history is checked it will be found that my payment history is credible without any late payments, Please reopen this issue and assist with its resolution because it is not fair that i have to be made to pay for something i never purchased.

Company response to consumer: Closed with explanation