vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I received a notice of collection from CBSA of a debt from XXXX XXXX XXXX XXXX in XXXX, Texas. However, I have not received services from that office. I have only been to one clinic in the past year and that was in XXXX, Texas, which has billed me for their services. I asked for an itemized receipt and that business was not listed on there. I took a closer look at the address to me, and they even spelled my last name wrong, but my name is correct on the XXXX XXXX XXXX XXXX. I tried to go to the website of XXXX XXXX XXXX XXXX, however, my browser detected that the website was not secure, and that scammers may be targeting my information. I also tried to go to the website of CBSA, but it was not working either. That is when I began this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 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: DE

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CT

Complaint narrative:
I had emergency XXXX on the XXXX of XXXX and came home a few days later. I had a girl that Cleaned my house once every XXXX weeks. She came and helped me with my bathing and cleaning. I received a message from my bank saying there was unusual use of my card. So I checked my account and there was many uses without my consent. I realized my wallet was missing. I got a hold of the bank and they took a report and told me what to do. 2 days later they sent me a letter stating that the card chip or something was checked and they declined me my funds. I spoke to XXXX different people about this at the bank and I got no where. I'm XXXX and XXXX yrs old. I count on my money to pay rent and utilities. Please help me to understand this. I also gave the bank the girls name that took it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I've experienced unauthorized transactions from my XXXX Checking account related to Best Buy. XXXX transactions of {$50.00} each have been observed, totaling {$450.00} deducted without my authorization. These transactions were recorded on : XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX I realized that when I received a supposed unpaid bill from Best Buy.

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 2023-12-11 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: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11 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: DE

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2023-12-11 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-11 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: Block, Inc.
State: TX

Complaint narrative:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX This debt collector has not provided me proper debt validation for this aege debt. Please delete this from 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 2023-12-11 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: FL

Complaint narrative:
XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from 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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
I am attempting to assume the mortgage for my home following my divorce. I submitted a mortgage assumption request to maintain the existing loan terms. Amerihome Mortgage denied my request due to insufficient income. Despite repeated inquiries, they declined to specify the required income level. 

The original mortgage was for {$200000.00}, and I was pre-approved for {$380000.00}. While my wife contributed less than {$5000.00} to our annual income that year, I earned {$94000.00}. My current income is {$110000.00}. On two separate occasions, operators assured me someone would contact me with further explanation, but no communication has been received after almost two months.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;

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 2023-12-11 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: MI

Complaint narrative:
XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.

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 2023-12-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a checking account closed, the account number is XXXX, whose funds have been available to withdraw since XX/XX/2023. However ; I need the funds to be mailed as a check on the address on file. Already called customer support multiple times which refused to mail the funds to the address on file. It's already been a month since funds were available from the closed account and not having access to those funds has caused a financial hardship to myself and my family. I simply do not want to go to the back that unfairly closed my account and held the funds on it. I want the funds to be mailed as a check to the address on 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 explanation
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation