vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT THESE TWO ACCOUNTS HAS BEEN REPORTED TO FTC AND NEED TO BE REMOVED FROM CREDIT REPORT ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance Not reported Date opened 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US Department of EDU XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Report Fraudulent Account with XXXX XXXX XXXX XXXX Dear EXPERIAN, I am writing to report an incident of identity theft and to dispute a fraudulent account that has been opened in my name. 
Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX Fraudulent Account Information Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX I did not open this account, nor did I authorize any transactions associated with it. I first learned of this fraudulent activity on XX/XX/year>. 
I have taken the following steps to address this issue : 1. I have filed a FTC REPORT XXXX NUMBER. 
2. I have contacted XXXX XXXX to report the fraudulent account. 
I request that you investigate this matter and remove the fraudulent account from my credit report. Additionally, please send me a confirmation once this account has been removed. 
Enclosed are copies of my identification and the police report for your reference. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you need any further information. 
Sincerely, 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 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Bull City Financial Solutions committed identity theft by unlawfully furnishing inaccurate information on my credit report without obtaining my consent, which is a violation of my rights as a consumer. They acted without authorization, misrepresenting my financial situation to credit bureaus, which constitutes a fraudulent use of my personal information. This act caused damage to my creditworthiness, and their actions lack proper legal or contractual grounds, making it an instance of identity theft under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to request the removal of the following incorrect or outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses are no longer associated with me and should be removed to ensure the accuracy of my credit report. Please update my file accordingly to prevent any potential confusion or negative impact on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I

got an alert from Citi Cards about potential fraudulent transactions and when I checked, I called right away and let them know I didn't recognize the last 3 transactions. They proceeded to put a dispute and sent me a new credit card. When I received my statement, the fraudulent transactions were still there and I was told that it would take 1 to 2 billing cycles to clear them, which I think is unacceptable, especially when they amount to {$1300.00} and if not paid, they will charge steep interest rates. While on hold, I noticed that there was 2 other transactions that I had not authorized on my new credit card. I was told that for certain vendors, Citi automatically updates the number card number, and that I had it set up this way on my account. When asked how I would disactive this function, they told me I could not do it myself, and only Citi had that capability. In another words, they made it easy for the thieves to continue shopping on XXXX with my stolen identity.

Also, I was told that I could not dispute the new fraudulent charge because the transaction was pending, and it wasn't until I called again that they agreed to dispute it.

They're sending me another new credit card, but in the meantime, I have to pay {$1600.00} in fraudulent charges so that I would not be charged interest.

There's got to be a better way to protect the consumer. I'm lucky I could cover these charges, but what about the families that lives paycheck to paycheck?

Citi should reverse charges immediately, while transaction is being disputed. They have neough money to extend this courtesy to all their 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 monetary relief
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CarMax, Inc.
State: NV

Complaint narrative:
On or about XX/XX/year> I checked my credit report and noticed there were XXXX hard inquiries on it from XX/XX/year> that I didnt recognize. I called XXXX to have them deleted and was told that they cant delete them because they are associated with a separate auto loan that was approved around the same time. I informed them that the auto loan that I was approved for around that time ( XX/XX/year> ) was from my credit union which was approved directly by the credit union so there was no need for XXXX other banks to pull my credit report. After further investigation XXXX was able to see that the XXXX hard inquiries were from Car Max. XXXX informed me the I should call Car Max to have the inquiries deleted. After several calls to Car Max where I requested a copy of a credit application with my signature on it dated on or around the date in question, I was sent a fraud affidavit to sign, but no copy of said credit application, on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Received notification of debt collection added back to my report after being removed XX/XX/year>. Requested information validating the debt the ownership and accuracy of debt. Company did not send over requested information. Sent a bill. Sent a second letter requesting same validations and have not received a response since XX/XX/XXXX, the date I sent additional letter requesting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
By Checking my credit report i noticed these 2 inquires that i dont recognise. please remove those form my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I've been getting alerts for new account inquiries from XXXX via the SSN protection program. I do not recognize these activities and have contacted XXXX for additional details. I was advise to file a fraud report with the credit bureau for further protection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is infringing on my rights by placing a collection on my credit report without providing the required validation information as outlined under XXXX CFR XXXX ( b ) ( XXXX ). Despite my previous efforts to resolve this matter directly, they continue to violate my rights. I am entitled to {$1000.00} for each violation, and I am requesting that they either compensate me or promptly remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Loan ID XXXX I entered an agreement via Affirm for a purchase of XXXX XXXX that was to be paid {$360.00} monthly for six monthly installments plus interest.

I canceled the purchase via XXXX XXXX in which refunded the remaining balance minus their cancellation fee back to Affirm in which was {$1000.00} on XX/XX/year>. 

The original agreement advised the loan had to be satisfied by XX/XX/year>, or paid in fill by this date. 

Affirm has reported a delinquent payment on my credit report- in which is incorrect. The original term agreement has not expired, and I am not 30 days late. When XXXX XXXX issued the refund of {$1000.00} back to Affirm that counts as three monthly payment installments. I presently owe {$350.00} on this loan, and I acknowledge this balance.

In good faith I would like to resolve this matter and have the resolved, before I proceed with reviewing my options for litigation for negligence of incorrect reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
COMPANY CONTACTED ME VIA EMAIL. I REQUESTED INFORMATION TWICE, WHICH IS WHAT THEIR SYSTEM ALLOWS, AND I DIDNT RECEIVE IT. ON XXXX, XX/XX/XXXX, THE COLLECTION WITH A BALANCE OF $ XXXX WAS PLACED ON MY EQUIFAX . THIS ACCOUNT IS FRAUDULENT AND A FTC POLICE REPORT WAS FILED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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