vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc.
State: GA

Complaint narrative:
First financial resource is a debt collector is refusing to delete this debt off of my credit report. I have informed multiple times that this debt is a result of XXXX XXXX. 

I even sent them a copy of the police report filed against the original creditor XXXX XXXX XXXX XXXX. they have failed to provide any changes, they are still stating that I owe the debt and it needs to be paid. 

I have disputed the collection with XXXX, XXXX, and XXXX. They only provided that the result account is verified and accurate which I informed them that this account is an act of identity theft. 

This is stoping me for the use of my credit worthyness. I am not able to move into a home forcing me to stay with family. Im not able t purchase a vehicle forcing me to use ride share to get to and from work due to being denied credit for an auto loan. 


which is a violation of my consumer rights according to 15 U.S. code 1681a ( q ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: MS

Complaint narrative:
In XXXX of 2023, I transferred a balance of {$15000.00} to USBank at an advertised interest rate of 0 % for 13 months. I paid a fee of {$590.00} to transfer this balance. In XXXX of 2023, I received my statement that showed a balance of {$17000.00} which included the balance transfer of {$15000.00} plus new purchases of {$1400.00}. I paid {$3300.00} to cover my new purchases plus a portion of the balance transfer. In XXXX of 2024, I received a bill for {$17000.00} which included {$3300.00} in new purchases and a balance of {$13000.00} on the balance transfer, plus {$31.00} in interest. I called and asked why I was being charged interest if I had paid all my new purchases plus a portion of the balance transfer the month before. The representative did not understand why I was changed interest and reversed the charge. I then paid {$4600.00} which covered all my new purchases plus a portion of the transferred balance. In XXXX, I received a statement for {$13000.00} which included {$1100.00} in new charges, {$12000.00} on the balance transfer plus interest of {$58.00}. When I called to ask once again why I was being charged interest, I was told it was because I was continuing to use the card and they were charging interest on new charges made after the statement date but before I make the payment. She told me that I simply didn't understand the terms of the offer. I feel this is a very deceptive practice. I have paid all of the new charges each month as well as extra to reduce the balance transfer. I was not given an option or any indication that I needed to pay more, or a way to apply the payment toward new purchases to avoid interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: William D. Meeker Enterprises, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX and saw two hard inquiries from CIC Credit on the dates for XX/XX/2023 and XX/XX/2023 which I did not approve or give my consent including any of my personal information for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: OH

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
I had this cash app checking account for about XXXX and I never had a problem. My User Name is XXXX XXXX. 
I called then several time the support agent said that he don't know anything and that all he can see is that I can make a purchase. That they don't have any information and they will go ahead and end the call. This saddens me and is a total in convenience because I have my work direct deposit in to this account. I even called back ask to speak with a manager and they denied that as well. Cash app will take your money for fees but then do this to you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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 realized that this account was opened as a result of an Identity Theft in XXXX XXXX XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX XXXX XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} 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 explanation
Consumer complaint received 2024-02-03 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 realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} 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 2024-02-03 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: OH

Complaint narrative:
I recently received a copy of my credit report and I noticed a lot of inaccuracies on my report. I reached out sent letters and proof and still no response in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The Amazon Synchrony Credit Card was closed for use in XXXX. However, there is still a balance I am paying on. Every so often I get an updated credit report saying that the card has been closed. The last XXXX times were in XX/XX/XXXX and XX/XX/XXXX, XXXX. This has a significant impact on my credit score. When calling synchrony bank they said they have no record of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue is relating to the reporting of status for XXXX XXXX  for report # XXXX. Status is currently be reported as " Petition for XXXX  XXXX Bankruptcy '' which is INCORRECT. 

The correct status of the account is : " Paid in Full/Never Late '' as of XX/XX/2022. 

I have contacted Experian several times and they just update the account comments and not the actual status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
While reviewing my credit file I have been trying to get these two accounts removed. Fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, XXXX and Experian I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION EXPERIAN IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX XXXX I do not have an agreement with XXXX XXXX XXXX XXXX to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX  ) I do not have an agreement with XXXX XXXX XXXX XXXX  to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court

Company response to consumer: Closed with explanation