vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following account within 4 business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please delete and block the following account : XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC
State: TX

Complaint narrative:
Disqualified me from a survey. False advertising and XXXX discrimination. I was qualified for surveys, but on XX/XX/year>, I faced illegal retaliation from Dave Banking company for making too much money from completing surveys.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports. I noticed some accounts I am unfamiliar with I have asked the XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I paid rent on time for the time l physically lived there. I was laid off and told XXXX XXXX that I was going to have to file bankruptcy. She told me there was a such thing as a relet that can get me out of my obligation. I told XXXX that I would have to leave my queen size bed and dresser because I was new to Texas and had no one to help me. She said I would have to cover the fee for the cleaners and I agreed. I told her I didn't have money but whatever I owe, I could make monthly payments until paid because I had a new job in XXXX XXXX. XXXX and the XXXX woman ( No disrespect bc I don't know her name ) were never on the same page. Whatever I told the XXXX woman something that XXXX told m, she didn't know anything about and would not abide by it. 3 months went by after I moved out and I received a letter and collection calls from Portfolio recovery stating I owe over {$8000.00}. I only had a queen size bed and box spring plus a cheap light dresser. some food in the cabinets. The apartment was in excellent condition because I hadn't hung anything from walls. I receive calls from Portfolio recovery everyday and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this account was opened without my knowledge or consent. it is a result of id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AR

Complaint narrative:
They have accounts opend when I was in prison and my data was effect by the XXXX data breach

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 2025-01-13 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: AR

Complaint narrative:
They have accounts opend when I was in prison and my data was effect by the Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-01-12 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries and accounts. Block and remove them.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check from my attorneys of a little over $ XXXX into a Citizens Bank account on XX/XX/year>. I paid {$12.00} to have a new card overnighted. Today ( XX/XX/year> ) I called because I had not yet received the card. I was informed by the bank that the card was indeed overnighted and someone with my identification went into the branch on XX/XX/year> and activated the card. The bank was closed today corporate said they would reach out to the branch they said a teller activated it and they would notify the bank to get the tellers name and time and I requested camera footage to catch the culprit. They said they would call me with the information. Tomorrow ( XX/XX/year> ) I will go into the bank as soon as they open and call XXXX and make a report. I want to prosecute because this has been happening for a long time and I have identity theft me and my fianc have had Social Security checks stolen other bank cards sent, and canceled phones hacked and the only person with a key to my house where my identification and Social Security cards went missing the other day and the card was removed from my mailbox and the only person with the key to my house and my mailbox is the XXXX. This has been going on for a very long time and I have called the police and the landlord always had an excuse that the camera wasnt working to see who was going in my mailbox now I finally have the opportunity to catch this person who not only broke into my house and stole my identifications, but then used them and went into the bank to activate my card. It is imperative that I catch this person so I could finally prosecute and sue them for all my other financial losses and problems I have had with multiple banks. And find out who stole my identity and has ruined my life. I need to absolutely make sure that Citizens Bank rectifies this I dont know what teller allowed someone with my ID and obviously didnt even check the picture to do this and I want these people held accountable. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/year> XXXX. I been trying to call them but I not getting to the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : Everwise credit union Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, capital XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, first premier bank Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, first premier bank Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, credit collection serv Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX systems XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} comenitybank/kayjewe Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, forum credit union Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, upstart loan operati Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : Everwise credit union Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXXXXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This is a complaint against Credence Resource Management. This is my second attempt to receive information this was requested which is : 1. Purchase Agreement 2. The amount of the debt. 3. The name of the creditor to whom the debt is owed. 4. Verification that the statute of limitations has not expired on this debt ; 5. Details of the agreement that authorizes you to collect this debt. And proof that you are registered ( authorized to conduct business ) to collect in Florida of which I am a resident. A statement is not a verification of debt. If you can not provide the requested information then you need to cease all communication with me and cease communication with any third party ( XXXX, XXXX, XXXX ). Again a statement is NOT proof of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 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

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
This correspondence is to notify ABSOLUTE RESOLUTIONS INVESTMENTS that there are three ( 3 ) fraudulent accounts being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, ABSOLUTE RESOLUTIONS INVESTMENTS debt collection practices are in violation of the FDCPA. Please see attachment for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of this account, which was closed on XX/XX/XXXX, and is currently reflected on my credit report. The details of the account in question are as follows : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$10000.00} Credit Limit : {$8700.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I noticed that it indicates I am using 117 % of my account 's limit, which I believe is inaccurate given the account was closed and should no longer reflect an outstanding balance. My payment history shows no late payments ( XXXX ), and the remarks indicate a charge-off as bad debt. However, this may not accurately represent the current status of the account since it has been closed. Furthermore, I would like to clarify that the last payment was made on XX/XX/XXXX, and there is no minimum monthly payment currently due. As such, I believe this entry may be misleading and does not accurately represent my credit worthiness. I kindly request that you review this account and provide clarification regarding the reported balance and its current status. If this information can not be verified, I ask that you promptly correct my credit report accordingly.

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