vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Macy 's credit was used without my authorization sometime last year, around XXXX or XXXX. The charge was around {$16.00}. I called sometime in XXXX to report my card was used without my permission. I was told they would investigate and send me a new card. However, it's been more than 6 months, and the investigation never happened. I am now receiving harassment calls up to 5 times a day, and my credit is ruined, with my balance increased to {$96.00}. This is an urgent matter that needs immediate attention, as I'm getting tired of being harassed when I'm at work and school. It's challenging to get assistance because every time I call Macy 's customer service, they all are overseas employees and don't understand anything. Every time I call, there is no record of me calling, and I am on the phone for an hour, starting the process repeatedly. I have spent approximately 6 years over the phone since last year XXXX to solve 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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
In XXXX, sent money using Zelle, the money went to XXXX XXXX detailing and not to XXXX XXXX I have requested money back from my bank, from Zelle and reported this to CFBP as well My complaint with XXXX was denied stating that " I did this '', not that someone took my funds??? which is my stipulation. XXXX has responded to XXXX that I should tale to Zelle, which is impossible and they refer back to the bank. 
the concern is to Zelle and then I plan to do one to XXXX XXXX, as chase tells me that they have my money. 
This fraud has caused undo hardship to myself, my family and the owner of XXXX XXXX detailing as he never received the money either and has been blocked from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.

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 2025-01-14 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: FL

Complaint narrative:
I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: TN

Complaint narrative:
I contacted global lending services because theyve reported to my credit report that the car was Written off/ Profit and loss wrote off. I request a 1099 form that they couldnt provide but told me I still owed them. if this is not accurate please delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting 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:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-01-14 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year>XXXX  them most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-14 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Financial, LLC
State: CA

Complaint narrative:
A debt collector ( listed below ) contacted my mother to gain my information. During the course of the call, the collector gave her the information of the debt, including the amount being attempted to collect and the original creditor. I have not yet verified this debt and have been attempting to contact the original creditor before responding to the communication attempts with me, directly. 

I believe the collector did violate 15 USC 1692b, SubSection 805 ( part 2 ) by : Providing debt information to a third party, including the specific amount, without prior consent of the consumer. 

My age is XXXX XXXX XXXX, so my mother would have no obligation to the debt itself. 

She had her friend call the number and find out what it was about. The collector again provided information regarding the debt, despite the friend explicitly stating he did not know me personally. 

Caller : XXXX ( XXXX ) XXXX theinsightsolution.com Insight Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Called my mother XXXX XXXX at XXXX on XX/XX/25 around XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
The document the company provided is a document when I opened a bank account at another lending institution from when I was XXXX in XXXX XXXX. The document looks 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 non-monetary relief
Consumer complaint received 2025-01-14 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:
The document the company provided is a document when I opened a bank account at another lending institution from when I was XXXX in XXXX XXXX. The document looks 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 2025-01-14 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: NC

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Appeal to overturn fraud claim. Below is a list supporting my claim along with documents attached. 
* I was out of town, not in XXXX where the fraudulent transactions took place. XXXX ( Departing & return boarding pass. ) * Total charges go over available balance * Transactions made at multiple locations of same store. ( XXXX # XXXX # XXXX # XXXX ) * Transaction at XXXX XXXX when I am a XXXX customer. 
* Called customer service to report fraud while transactions were still pending. 
* All charges were removed but my money has not been returned. 
Your help will be very much appreciated. Thank you! 

15 transactions claims - XX/XX/XXXX {$600.00} XXXX {$620.00} - XX/XX/XXXX {$620.00} - XX/XX/XXXX {$220.00} XXXX {$210.00} - XX/XX/XXXX {$210.00} XXXX {$260.00} - XX/XX/XXXX {$260.00} - XX/XX/XXXX {$110.00} XXXX {$320.00} - XX/XX/XXXX {$320.00} - XX/XX/XXXX {$100.00} - XX/XX/XXXX {$100.00} - XX/XX/XXXX {$110.00}

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was booking a flight on XXXXXXXX XXXX  website and an offer for the XXXX XXXX XXXX American Express Card popped up during checkout, which offered a {$500.00} statement credit and XXXX miles upon booking the flight and meeting a certain spending threshold ( photos attached outlining the offer ). However, I received a letter saying my application was declined. This was strange because I am pre-approved for this same card in the Amex app ( photo attached ). I called Amex and they said I was rejected due to " incentive control '' even though I am currently pre-approved for this card with similar incentives ( also, I only have one other Amex card - I am not gaming the system ). Additionally, Amex said I had applied too many times between XXXX ( four times ), even though for the first three times I clicked through the application, I withdrew the application after receiving a preliminary rejection. Amex customer service could not explain why I was pre-approved for this card, and yet my application was rejected. Over the phone with customer service and a supervisor, they said my application was rejected because the offer listed on XXXXXXXX XXXX website is not available. I would like them to uphold the offer listed during checkout on XXXXXXXX XXXX website. Otherwise I feel as though the advertising was misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A few years ago my social security number was breeched. As instructed I froze my number through Experian, XXXX, XXXX. The end of XXXX  I received notification that someone tried to open a car loan in my name. I received another letter that someone opened a bank account and credit card in my name which was closed right after due to suspicious activity. I attempted to sign into my Experian account to ensure my information is still frozen but was unable. I attempted to recover my account and discovered my account was hacked. My email, phone number, and security questions were all changed without notification. I have made several phone calls to Experian but it is difficult to get an a live agent. I uploaded the required documents to verify my identity and confirmed that the documents were received. The day after my documents were received I received an email that they would recover my account once the documents are received. I replied that they already have the documents but did not receive a response. Upon investigation i found that this same issue has happened to multiple people. I do not understand why this keeps happening. When I attempt to recover my account an email with confirmation code is sent to the other individuals email. Therefore I assume that person still has access to my private information. This is unacceptable.

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 2025-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I received the first text message from Reliant Capital Solutions ( RCS ), a debt collection agency. The message stated that RCS had business of mine in its office and provided a file number and a link to make a payment. However, the text message did not include any information about the debt, such as the original creditor or the amount owed. 

Since that date, I have received multiple identical text messages from RCS. Despite contacting me, RCS has never sent me a written validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ). This written notice should have been sent within 5 days of their initial contact and must include : The amount of the debt. 
The name of the original creditor. 
Information about my right to dispute the debt. 

Additionally, I received an email from XXXXXXXX XXXX XXXX XX/XX/year>, stating that my debt had been transferred to Reliant Capital Solutions for collection. However, Reliant Capital Solutions has failed to validate or verify this debt in writing. The repeated text messages lack crucial details about the debt, and I was never notified of my right to dispute the debt or request validation. 

Their failure to provide proper written notice is a violation of the FDCPA. I am filing this complaint to report Reliant Capital Solutions failure to comply with federal debt collection laws and request that they be held accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: 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 2025-01-14 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: 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 explanation