vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX has harassed me over me account that they purchased originally from some company I have never opened a credit card with and have no knowledge of the account with The XXXX XXXX XXXX ( XXXX ) account ending in XXXX from Ally bank. 
I have told them I was a victim of identity theft and fraud and this account was a result of identity theft due to the 2017 XXXX data breach and have provided them with ample evidence and proof in regards to the matter that I have suffered from identity theft. In which I am working with the XXXX XXXX XXXX provided by XXXX to help with this matter as well. I have disputed this matter several times with them and have even requested all the documents and evidence be provided to me under the Notice to Furnish with XXXX XXXX never responding or providing me with any sort of documentation as I have requested. I disputed this matter and they claim to have never received any disputes however it shows on my credit report that I they have received the dispute. Yet they fail to provide me with any sort of documentation proving that it was my signatures or anything else in regards to this account. Im completely fed up with playing this game with this company and I see why theyve been sued so many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: PA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-09-30 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: CT

Complaint narrative:
I reviewed my credit report and found several billing mistakes. These late payments dont align with my usual payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I financed a vehicle through Credit Acceptance. In XXXX of XXXX, the vehicle was found to be totaled. I provided the company ( Credit Acceptance ) with all the information they needed. A year later, I received a phone call about a late payment. I asked the agent, if they had the information, I sent regarding the vehicle that was requested. As of XX/XX/XXXX, the company is still charging me and the current balance is {$25.00}, 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 monetary relief
Consumer complaint received 2024-09-30 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:
Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX - # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - # XXXX XXXXXXXX XXXX XXXX - # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-01 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: GA

Complaint narrative:
i was called to my nancial aid oce, and i was told i my grant money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is horrifying where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a college student, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.

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 2024-09-30 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> I received a fraud detection email from Wells Fargo on my Credit Card. There were XXXX charges ( {$4300.00} & {$9500.00} ). They Approved the {$4300.00} charge but denied the {$9500.00} charge. I instantly reported both charges as fraudulent with Wells Fargo. 

I later found new inquiries on my credit report that I did not commit, as well as new mail from XXXX XXXX XXXX and XXXX XXXX XXXX. 

This prompted me to visit XXXX XXXX XXXX in person to find out that someone had stolen my identity and was trying to deposit Wells Fargo Credit Balance Checks into a newly created account. This credit union verified that this individual had my social security number, a WA state drivers license with all of my data ( name, address ) but with their picture. I promptly filed an identity theft affidavit with XXXX XXXX XXXX. 

I filed a FTC report after visiting XXXX. 

I then filed a police report on XX/XX/year> to report my findings with my credit report, the credit union activity and the Wells Fargo charges. 

After filing the police report, I visited XXXX XXXX XXXX to explain that this was a case of identity theft and that I did not open an account with them. They took the police report case number, FTC report number and my identification to file internally. I believe it is this institution where the individual tried to cash the {$4300.00} check. 

I also found out from XXXX and XXXX that this individual tried opening an account with XXXX XXXX XXXX ( which thankfully denied due to not being able to verify this individual ). 

I then started to receive mail from Wells Fargo that these charges are " authorized '' and their fraud department " verified '' that it was me to deposited these checks. I called them telling them that I had my identity stolen and that someone got hold of these checks. They asked me to fax them the police report, FTC report and a description of what happened. 

Today ( XX/XX/year> ), I received mail from Wells Fargo that once again says that these were authorized charges. I immediately called Wells Fargo only for them to say that I did not have my identity stolen and that their fraud department verified that it was me who cashed these checks.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am a consumer. My SSN is ( Private SSN ), My DOB is ( Private DOB ), Complaint is : The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Transunion credit reporting agency , block information that appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit cards accounts. Both opened at XXXX  XXXX XXXX. Both opened on XX/XX/XXXX, both under account numbers ( private numbers ), XXXX account opened at XXXX XXXX  opened on XX/XX/XXXX, under account number ( private number ). Another account XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number ( private account number ), A collection account at XXXX XXXX XXXX opened on XX/XX/XXXX. There were also numerous several fraudulent inquiries. I have attached a my FTC complaint and my final and last dispute submitted to you. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud I request, pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that the Transunion credit reporting agency , block all accounts, collections, and inquiries identified in the CFPB complaint from my consumer credit report file within XXXX business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )

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 2024-10-01 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: 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 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 2024-10-01 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-30 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-30 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: PA

Complaint narrative:
Subject : Urgent Assistance Needed : Identity Theft Case I am reaching out to share a distressing situation I am currently facing. My identity has been stolen, and I have discovered that someone opened a car loan in my name through XXXX XXXX, using a stolen business bank account to make payments and evade repossession. I promptly contacted TransUnion to report the issue and followed their instructions to file a police report and an identity theft report, including the XXXXXXXX XXXX information and badge numbers. However, despite my efforts, they have refused to assist me, stating that they are waiting for data from a furnisher, whose identity they would not disclose. This situation has significantly impacted my life, and I am seeking legal assistance to help me navigate the complexities of this case and restore my identity. If any lawyers are willing to assist me in resolving this matter, I would greatly appreciate your help. Thank you for your time and consideration

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-01 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: HI

Complaint narrative:
From the year of XXXX to XXXX I have been continuously getting charged by the company " XXXX ''. I have notified my bank Citibank to stop payment from the company XXXX. I had a contract with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XXXX XXXX I notified XXXX through a phone call that I will no longer be renewing my contract which will end XX/XX/XXXX. I was charged XX/XX/XXXX {$XXXX}. On XXXX XXXX I contacted XXXX for a refund and to stop further payments to my credit card and bank account. On XXXX XXXX XXXX I notified my bank Citibank to freeze my account and send me a new card and to dispute the matter. I received no refund. I am a business owner and got distracted from working 6 days, sometimes 7 days a week. I do not check my credit card statements often. 
About every XXXX to XXXX  months I come across more charges from " XXXX ". Again I notify Citibank through phone calls about these unauthorized charges and again I ask them why and what is going on? And again I have to explain the situation all over again. I have all my statements from XXXX showing the charges. I make my monthly payments. I freezed my account since XXXX 6 times. each time getting a new account number and credit card. with reassurance from Citibank that XXXX will no longer get access to my account and I will receive my refund. 
On XX/XX/XXXX They investigated XXXX charge from XXXX for {$XXXX} and found it to be my fault. They refunded it to me at first then reversed it back on XXXX XXXX. I received only XXXX refund. XXXX XXXX for the amount of {$XXXX}. 
I have made numerous phone calls with Citibank and keep getting the runaround. I have recordings of several phone conversations with supervisors reassuring me I will receive a refund, and this matter will get resolved. Which has not. 
Dates XXXX has charged me and received unauthorized payments from my bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total of unauthorized charges : 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 monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was informed by phone on Friday that I now owed IQ data legal fees. I checked the court and there is no case filled against me as of XX/XX/XXXX. This is a lie. This is against my rights. They have reported these said legal fees to the bureaus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-30 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation