vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: MN

Complaint narrative:
on XX/XX/XXXX, an XXXX XXXX account was opened under my name, when I was XXXX at the time and wouldn't have even been able to open my own credit account. The balance has come to {$9400.00}, and the account was charged off, with {$9400.00} written off. {$9300.00} is past due as of XX/XX/XXXX. The status was updated XX/XX/XXXX. I was XXXX at the time, and this account was opened under my name and federal information, yet I had no association with this account, and never have, and now it is strongly affecting my credit score, which is extremely harmful for me, especially considering I never opened or had any involvement in it. I filed a dispute with Experian, and they did not help me with the problem at all.

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 2023-06-26 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: CA

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AR

Complaint narrative:
XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX No action has been taken by the company as I have asked to not be called multiple times. I am now receiving calls from personal cell phones ; however, I can not factually identify at this time if the individuals calling me are directly correlated to the business in regards to debt collection. I can say that I receive phone calls within moments of declining ConnsHome Plus phone calls while working. I can say that the individuals that do call simply wait for my answer and hang up. I do have to answer personal cell phone numbers as I am working within the community. This is an abuse of power and I have kindly asked to not be contacted while working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CA

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: U.S. BANCORP
State: MA

Complaint narrative:
Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX. 
I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state.

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 2023-06-26 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: IN

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I tried to dispute this claim several times, my identity has been leaked online and was used to make several accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TN

Complaint narrative:
There are FRAUDULENT items on my credit report ( XXXX XXXX XXXX, XXXX XXXX XXXX ). I do not have any idea regarding these fraudulent accounts on my credit report. I am submitting a complaint regarding this fraudulent items and for assistance to REMOVE them 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, I deposited a check to my USAA checking account via the USAA Mobile app. The amount of the check deposited was {$5000.00}. USAA placed a funds hold on {$2500.00} of the deposited check to be released on XX/XX/2023. On XX/XX/2023 the check cleared the external financial institution and funds were transferred to USAA via the Federal Reserve Bank. 

I called USAA to inquire why my funds were still on hold. I explained to the USAA representative that the external financial institution cleared the check on XX/XX/2023 and that USAA can call and verify this information with that financial institution. I also explained to the USAA representative that the funds USAA was holding without justification were gong to be used to pay my USAA credit card balance which was being charged interest compounded daily while I was waiting for USAA to release the funds that have already cleared. USAA is unjustly holding funds that have cleared my account causing me hardship and a unfair accumulation of interest on my USAA credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 2023-06-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Reference to Complaint XXXX Against TransUnion I wrote to Transunion to investigate my inquiry regarding my credit report and its accuracy back XXXX XXXX XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment TransUnion did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, TransUnion need to do the same. 

I would rather not make this a legal matter and I am once again asking TransUnion to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2023-06-26 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: CarMax, Inc.
State: TN

Complaint narrative:
I've disputed the missing Payment History on this account. This account is missing 17 months of payment history. The account opened in XX/XX/XXXX. There is no reporting on this account from XX/XX/XXXX to XX/XX/XXXX. It has been removed from the account and this is no longer FAIR. XXXX responded that CarMax verified that the account is accurate. This account is NOT accurate and NOT complete. Based on the reporting and information we have a FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong 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 non-monetary relief
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
On XX/XX/2023 at around XXXX, I reached out to Halsted Financial after a debt reported on my account was reported to them from another collection company. I reached out to them asking to settle the account that I know insurance had already paid. When the company refused the offer I made, I explained that I would go ahead and pay the amount but would be filing a complaint against them. The representative then told me that she could not allow me to pay the settle if I could not agree to not file a complaint against them. She held me on the phone for more than 20 minutes going back and forth with me trying to make me say I won't file a complaint if she lets me pay off the offer amount. After being on the phone over an hour, being transferred to person after person, another person finally accepted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
There is a debit for {$3100.00} from JEFFERSON CAPITAL SYST ( XXXX XXXX ), I was incarcerated XXXX and was told my uncle took my personal information I had bank accounts also opened in my name, my uncle passed away and now Im be been stuck trying to clear things that were stolen I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
At XXXX est. Resurgent debt call my phone that was answered by my fiance and with her verifying only my date of birth was able to be told I owed a debt to XXXX for XXXX from XXXX. After I met up and got my phone I was handed over to the lady on the phone which proceeded to tell me that I owed this debt when I call her out for sharing my information he denied all information. I asked to talk to a manager and was told that there was not one. I asked to have a manager to call me. The response was would you like to take care of the debt. My response was I want a manager you gave out information that has nothing to do with my other have. Then there was long silence. This debt was taking care of back in XXXX or XXXX. I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I was on the XXXX XXXX website purchasing three airline tickets for {$1100.00}. When it was time to pay there was a credit card offer showing to apply for an XXXX XXXX XXXX card with Citibank. The offer stated I would receive a {$400.00} statement credit. I clicked the button and a new window popped up. I started to fill out the application and the website said it looks like you are already a Citi cardholder and to sign in to make the application faster. I did that completed the application and was approved. However, I was never given a button to click or anything to go back to the XXXX XXXX site to finish paying. I also never received a virtual card either. I did receive email stating I was approved. 

I had to pay for the tickets, or I would lose them. So, I decided to use my other Citicard so I could show Citicard I still used their company to pay for these tickets. I called XXXX XXXX to tell them what happened. The blamed Citibank and transferred me to them. After being on hold for 30 minutes, Citibank said they can not help me and blamed XXXX XXXX. 

About a week later I received my card. I called XXXX XXXX and explained what happened and asked them to put the airfare on the new card. They said they can not. I then called Citicard and they said I have NO statement credit offer at all and there is nothing they can do! 

I know the marketing department at Citibank knows what offer they were advertising and can easily find out if the {$400.00} statement credit was offered on the XXXX XXXX website on XX/XX/2023. Citibank can also look at my other Citicard ( Costco ) and see I paid for the airline tickets on XX/XX/2023. 

Bottomline, I would NEVER have applied for this card if they had not put this amazing offer in my face on their website stating that I would get a {$400.00} statement credit if approved. I was approved!

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