vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Attempted to open a brand new checking account and savings account with Citizens Financial Group to take advantage of a new customer offer. Within 3 hours, same day, and after a soft credit check my accounts were closed and I was locked out. Spent close to an hour trying to call into the customer service line for a resolution or explanation, and to confirm there was no concern with fraud as i had provided my other banks 9 digit ABA as well as account number. Associates were downright rude, and did not offer any sort of explanation or resolution. Additionally, the " supervisor '' could not even verify whether or not the accounts were closed on their side or through my brand new user ID which was extremely concerning since I was originally calling in just to confirm whether or not there was a concern or any fraudulent activity. 

I've never had any overdrafts, my credit score is outstanding, and I believe they are bias due to the fact that I work in the industry. Terrible new customer experience and no form of resolution offered or even suggested. Only response I got was " You will receive a letter in the mail ''. Requested my credit report, everything is accurate and there are no demeaning marks or reasons to dispute info. This is simply unfair and deceptive business practices, and unjust disqualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
lexisnexis  removed all bankruptcy information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is wrongfully reporting late payments on my closed XXXX XXXX  account. I know for a fact that I made all of my payments on time, and I have documentation to prove it. 

I contacted XXXX XXXX  to dispute these late payments. They investigated the matter and acknowledged that the errors were made on their end. They have since corrected the errors on their records, but Experian is still reporting the late payments on my credit report. 

I am very concerned about this. These late payments are wrongfully affecting my credit score and making it more difficult for me to get approved for loans and other forms of credit. I am also experiencing stress and XXXXXXXX  due to this situation. 

I am requesting that Experian immediately remove the late payments from my credit report. I have attached copies of the documentation that I have received from XXXXXXXX XXXXXXXX that proves that these payments were made on time. 

I am confident that this is a clear-cut case of error. I have been a responsible borrower for many years, and I have never had any late payments on any of my accounts. I am requesting that Experian take immediate action to correct this matter.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Please I would like to fix this error in my credit report. I was never late on this account. This inaccurate information is affecting me. 



I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

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

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 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

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

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 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am a victim of Id Theft, I am a travel nurse and these types of things could affect my employment because they do credit checks on us. I started receiving calls from XXXXXXXX XXXX XXXX XXXXXXXX about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to MCM MANAGEMN. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. National Recovery Agency is still continuing to violate FEDERAL LAW.

I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding National Recovery Agency to cease & desist all forms of communication through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NE

Complaint narrative:
Tried to use the card at a small business. Their Point Of Sale system was using XXXX to tender payment. I ended up using a different card. I called the company to ask why they had declined the transaction and I was advised that it was a " cash like transaction '' and the company does not allow that. The first time I tried to use the card to pay for my daughter 's tuition the transaction was declined for various reasons.i had to call and request them to process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car was illegally possessed on XX/XX/15 with no communication from Westlake portfolio management. Ive contacted them asking for proof of purchase of my vehicle, asked for my original agreement they failed to provide it. But illegally took a vehicle that doesnt have their name as the Lein holder. I need my possession back to my residence because nothing was agreed or settled to even take a car thats not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the creditor, Navient has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. 
Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reported the identity theft to TRUIST which sent me the billing statement

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 2023-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.
State: AE

Complaint narrative:
I am writing to formally request your intervention in a matter concerning an unjustified suspension of my account by XXXX, and the subsequent unresponsiveness of their customer service in handling the issue. 

On XXXX XXXX, I purchased a membership with XXXX and made the payment through my XXXX account. To my surprise, within a mere 24-hour period, my account was unexpectedly suspended. Upon reaching out to their customer support to understand the reason for this suspension, I was met with silence. 

It was only after filing a complaint with the XXXX XXXX XXXX a few weeks later, that I received communication from XXXX  They stated that my account was suspended on grounds of violating their terms and conditions, specifically for including personal information on my profile. However, upon careful review of their terms and conditions related to site use, I found no clause or provision that prohibits the sharing of one 's personal information. 

Eager to resolve the matter and abide by their request, I promptly began the process of removing the said personal information from my profile. But even before I could complete the corrections, my account was once again suspended. It's pertinent to note that I did not add any new personal information during this time, nor was I given adequate time to make the requested edits. 

Given the facts stated above, I firmly believe that I have not violated any terms and conditions set forth by XXXX. The abrupt suspension, coupled with the lack of clear communication on their part, has not only disrupted my user experience but also led me to question the value of the membership I have purchased. 

Therefore, I kindly request your esteemed office to intervene in this matter and ensure that I am granted a full refund for the membership, either into my XXXX account or as credit into my XXXX XXXX account. 

Please find attached a copy of the terms and conditions from XXXX XXXX  website for your perusal. 

I trust that the Consumer Financial Protection Bureau will consider my grievance seriously and help me get the necessary resolution. I am available for any further information or clarification you might need in this regard. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I havent had a credit score since XXXX of XXXX. After submitting a complaint about incorrect information on my report, my credit score was deleted from not only exqifax but all the other reporting agencies as well. I have called and uploaded and verified my identity many times. Three to be exact and still i have no report. I have had two different credit reports reporting for the last six months and still i have no score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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