vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s

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 2023-04-14 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:
I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXXXXXX ExperianXXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-14 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: KS

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: WA

Complaint narrative:
I requested a loan for {$600.00} on XX/XX/2022, loan XXXX XXXX. They made me sign the payment agreement before they disclosed their 642.51 % APR so I could not back out of it and they transferred the money to me immediately. According to them, I will pay {$3200.00} in 20 payments for a {$600.00} loan! I have made 9 bi-weekly payments of {$160.00} so far totalling {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request for unauthorized inquiries to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the Equifax data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/2023, I sent SUNRISE CREDIT SERVICE the following correspondence via certified mail after they reported on XXXX and XXXX. I am not aware of this alleged debt and SUNRISE CREDIT SERVICE needs to advise immediately. 

RE : FRAUD/AGGRAVATED IDENTITY THEFT - SUNRISE CREDIT SERVICE is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( SUNRISE CREDIT SERVICE ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( SUNRISE CREDIT SERVICE ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( SUNRISE CREDIT SERVICE ) is attempting to collect a debt from I, the consumer. This makes you ( SUNRISE CREDIT SERVICE ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by SUNRISE CREDIT SERVICE into the Federal Trade Commission for aggravated identity fraud and theft. Failure to zero out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for aggravated fraud and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( SUNRISE CREDIT SERVICE ) and this letter may be tendered as evidence of failure to comply.

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 2023-04-14 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: LEXISNEXIS
State: FL

Complaint narrative:
My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXXALL student loans fully paid off XXXX-Spoke to XXXX rep regarding student loan refund XX/XX/XXXX -- > Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- > Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- > Sent LexisNexis Consumer a request to see what they had reported to XXXX XXXX that affected my Car Insurance XX/XX/XXXX -- > realized there are 19 new loan accounts opened in my name by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CA

Complaint narrative:
Experian is reporting XXXX account late XXXX XXXX to XX/XX/XXXX In addition, they put I made a {$510.00} on XX/XX/XXXX payment on the account which I never made. 
Reporting the account is open when it is closed. 
This account is 7 years and 4 months old. 
They keep changing information to try to destroy my credit. 

Frauded and sold a bad car bXXXX XXXX XXXX XXXX  XXXX, OH. 
Promised when i turned in lease car fees would be waived but they lied and didn't waive anything and stuck me with a not realistic balance. I ended up putting a engine after only 9 months of owing the car in the amount of XXXX to replace the engine. 

Experian and XXXX are providing fraudulent information 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 2023-04-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXXXXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on Nissan 's side that needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont pat the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for Cash Central, it says a proud member of Community Choice Financial, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXXXXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXXXXXX XXXX another text, asking for my lawyers information, and by blocking him will not save me from warrants.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CA

Complaint narrative:
XXXX credit card Paid off in settlement The balance is now XXXX Experian is showing account paid written off XXXX which is not true. 

I have a letter from XXXX showing current balance owed is {$0.00} And no written off of XXXX Experian once again showing false information

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 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is wrongfully reporting a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of cyber-crime committed on XX/XX/2023. Below is a series of events that transpired resulting in a loss of {$1000.00}. 

XX/XX/XXXX XXXX EST - Received an email from USAA stating that my cell phone number on my profile was successfully updated. ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that a person by the name of XXXX XXXX has been added as a recipient for XXXX transfers. Email address that was provided was XXXX ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$200.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that XXXX XXXX was added as a recipient for XXXX transfers. Email address that was provided was XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$300.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$500.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX XX/XX/XXXX - Approximately at XXXX EST I looked at my bank account online and noticed the illegal activity. 

XX/XX/XXXX - At XXXX EST I called USAA to report the criminal activity. I was told that my bank was going to be frozen to prevent any further illegal activity. Conversation lasted 12 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to discuss the situation further. The call lasted 18 minutes. 

XX/XX/XXXX - At XXXX EST another illegal XXXX transaction/withdraw of {$1000.00} was posted to my account in the name of XXXX XXXX ( Illegally XXXX. This occurred after I report the 1st XXXX illegal transactions and was assured that my account was locked and protected by USAA. 

XX/XX/XXXX - At XXXX EST I saw the illegal activity on my account. 

XX/XX/XXXX - At XXXX EST I called USAA to report the additional illegal activity. Was on the phone with USAA for 1 hour 19 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to get an update. Was on the phone for 1 hour 5 minutes. 

XX/XX/XXXX - Received an email/letter from USAA stating that no fraudulent activity was found and that no further action will be taken by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sulphur Bank Rancheria Enterprises
State: NJ

Complaint narrative:
This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont XXXX the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for XXXX XXXX, it says a proud member of XXXX XXXX XXXX, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXX XXXX  another text, asking for my lawyers information, and by blocking him will not save me from warrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX has not be removed from my credit report and is causing my score to be less than it should. This is reported on my Experian and XXXX 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 2023-04-14 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: FL

Complaint narrative:
I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the XXXX data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially XXXX. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.

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