vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Identity Theft due to Information being exposed in data breach XXXX XXXX, XXXX : XXXX, XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX XXXX  acct XXXX XXXX opened XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The mentioned collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX RE : UNKOWN AMOUNT : {$1100.00} ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN : WITH THIS LETTER I HEREBY REQUEST THAT YOU CEASE AND DESIST ANY AND ALL TELEPHONES CALLS, AND ATTEMPS OF COLLECTIONS, PLEASE PUT ANY ATTEMPS TO COLLECT ON THE ABOVE REFERENCED ACCOUNT IN WRITING. 
YOU ARE HEREBY INSTRUCTED TO CEASE ALL COLLECTION EFFORTS IMMEDIATELY OR FACE LEGAL SANCTIONS UNDER THE FEDERAL FAIR DEBT COLLECTIONS PRACTICES XXXX XXXX XXXXXXXX XXXX AND XXXX, WHICH IS INCORPORATED AND MADE APPLICABLE TO CREDITORS LIKE YOUR COMPANY BY THE XXXX COLLECTION PRACTICES ACTXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE MARK YOUR FILES ACCORDINGLY. 
THANK YOU IN ADVANCE FOR YOUR ANTICIPATED COOPERATION IN THIS MATTER. 
XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$160.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1200.00}

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
THERE ARE NUMEROUS ACCOUNTS REPORTED ON MY CREDIT REPORT THAT IM UNAWARE OF. IVE ALREADY REPORTED THIS INFORMATION TO THE FTC

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
SEVERAL TIMES REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

EQUIFAX SENDS OUT STALL LETTERS ASKING FOR THE SAME IDENTIFYING INFO REPEATILY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I disputed unauthorized transaction made by several companies on my bank account. Sofi bank began investigation and finished investigation in the matter of two days they denied my claim and said the transactions were authorized. I then called the merchants myself, and the merchants had no record of my name, Social Security phone number or email address on file. I then filed a police report and so far still would not honor the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: GA

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

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 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 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 2025-01-31 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: IL

Complaint narrative:
I received an email from XXXX XXXX informing me that my XXXX XXXX had dropped due to a report from TransUnion. Upon checking, I found that they claimed my XXXX XXXX credit card usage of {$2.00} caused a XXXX decrease in my score, with a remaining balance of {$290.00}. I was confused, so I called to ask how I could lose XXXX points over just {$2.00}. 

During the call, they stated that XXXX XXXX had mistakenly reported that I used {$290.00} and that my remaining balance was only {$2.00}. However, this discrepancy didn't appear in my other reports or on my TransUnion report. I asked them to acknowledge their mistake and correct my report, but they refused to do so. I also recorded the call to have evidence of our discussion.

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 2025-01-31 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have contacted American Express about fraudulent charges on my account two years ago, including with XXXX XXXX XXXX who even verified it was a fraud charge. It still has not been resolved. 

They continue to report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I make my payments on time never have I been late with this company. I had several deaths in my family ( XXXX to be exact ) and I forgot to make the payment. I had closed my account, they added a late fee of {$30.00} on a XXXX balance. I called them and they refused to waive the fee they told me that the account is closed and they cant waive the fee however even though the account is closed they had no issues adding a late fee to a closed account. The representative told me if I didn't pay the late fee they will add another late fee on top of that. I am retired I cant afford this, and due to all these XXXX  financially it is making this very hard on me. I went to your website and seen this : CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} so I called your office, your rep told me this is not in effect, then why is it on your website? Like I said I have never been late these credit card companies are greedy and I refuse to pay this fee it is unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had a third party company attempting to debit my account. I was low on money and did not add any money to my bank account. I was in a transition to unemployment so the direct deposits had stopped in my bank. I removed the XXXX party services from being linked to my account and having access to my information. They continued to attempt the charges on my account anyway. The bank viewed these attempts as " bounced check ''. They charged me a check return fee of {$29.00}. I have no problem paying that fee. However, what does no make sense, and seems to be unfair, is that the bank charged me over and over again on the same charge attempt. I understand if a check is bounced, there is a charge, but how many times can XXXX check bounce? And why is the bank charging me over and over again for the same charge attempt? When I called the bank and spoke to the manager, she was unable to make this fully understood and told me the call was not productive and hung up on me. The charges accumulated to over {$400.00} and they closed my account, and I am now indebted to the bank and they are now also on my credit profile. I did not actually write a check and bounce it. The XXXX party company did have access to my account, through the Plaid linking process, however I removed them from this access because I knew I needed time to pay it. It was a 100 % digital process. Why would my bank, who is here to protect me, charge me due to my low balance? Why are they charging me over and over again to put me in debt to them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: VA

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

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 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 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-01-31 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: FL

Complaint narrative:
I filed recent disputes with Experian, Equifax and Transunion and requested that all XXXX major credit bureaus Experian, Transunion and Equifax provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on 15 USC XXXXi ( a ) ( 6 ) ( B ) ( iii ) I am within my rights to request this information within XXXX  days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Experian, XXXXransunion and Equifax denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies Experian and Equifax. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian and Equifax have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. Experian and Equifax violates my rights as a consumer as well as federal laws. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I filed recent disputes with Experian, Equifax and Transunion and requested that all XXXX major credit bureaus Experian, Transunion and Equifax provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on 15 USC XXXXi ( a ) ( 6 ) ( B ) ( iii ) I am within my rights to request this information within XXXX  days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Experian, XXXXransunion and Equifax denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies Experian and Equifax. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian and Equifax have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. Experian and Equifax violates my rights as a consumer as well as federal laws. 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
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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