vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my personal information in the Equifax data breach. I recently discovered that my sensitive information was compromised, and as a result, fraudulent accounts were opened in my name without my knowledge or consent. 

I initiated a credit search as part of my preparation for purchasing a house, and to my dismay, I uncovered several unauthorized accounts that were falsely attributed to me. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX Account XXXX : {$400.00} ( Date : XXXX ) Account XXXX : {$830.00} ( Date : XXXX ) XXXX XXXX XXXX Account XXXX : {$1100.00} ( Date : XXXX ) Account XXXX : {$2000.00} ( Date : XXXX ) XXXX Account XXXX : {$1900.00} ( Date : XXXX ) Account XXXX : {$7400.00} ( Date : XXXX ) It is crucial to note that I was entirely unaware of the existence of these accounts, as I had not initiated any financial transactions with the mentioned institutions. The discovery of these unauthorized accounts has not only jeopardized my financial standing but has also raised serious concerns about the security of my personal information. 

I am seeking your assistance and intervention in rectifying this matter promptly. I kindly request that the CFPB investigates these fraudulent accounts, facilitates their removal from my credit report, and takes appropriate actions against the perpetrators involved in the Equifax data breach. 

Your prompt attention to this matter is highly appreciated, as it directly impacts my ability to secure a home loan and threatens the overall integrity of my financial profile. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete 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 2023-11-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:12 Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative 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 non-monetary relief
Consumer complaint received 2023-11-29 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, AMERICAN HONDA FINANCE, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-29 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: GA

Complaint narrative:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly 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 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX a charge was made for {$560.00} and on XX/XX/XXXX a charge was made for XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to this store. As soon as I realized the charges I called comenity ( the company XXXX  uses for their credit cards ) to dispute the charges. They told Me they did an investigation and found I was responsible for the charges. I had never been to that store prior to today, XX/XX/XXXX. I went to the store to find out if they could give me video footage but they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
In their attempts to collect a payment they are harassing me via my cell phone. Most recently, on XX/XX/2023, they called repeatedly while I was at work. They called at XXXX and left a voicemail. They called again minutes later at XXXX and they called again at XXXX. Back to back to back calls. It is causing mental/emotional distress to be receiving these calls like this. It feels very threatening and makes it so that I do not want to talk to them regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: GA

Complaint narrative:
Ive been trying to pay my mortgage online and by phone, which is due XX/XX/XXXX. The loan servicer experienced a cyber security incident, which I found out about through XXXX and a XXXX article. The servicers toll free number has a message indicating their agents have no access to accounts, and there is no option to make a payment. Their website is inaccessible. At this time, the loan servicer has not sent any communication regarding this incident or when it will be resolved, and has not provided an alternate way to make payments.

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 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nexum Group Inc
State: CA

Complaint narrative:
This alleged debt relates to a property that I solely own in my individual capacity. 

On XX/XX/, prior to any attempts being made to contact me about the debt, my husband, who holds no legal responsibility for any alleged debt, was contacted by XXXX XXXX of Nexum Group , IncXXXX My husband forwarded XXXX XXXX to me and during our conversation I informed XXXX XXXX that I am a resident of the state of XXXX  and am on PST as opposed to the time zone of his employer ( they are licensed in XXXX XXXX 

On XXXX XXXX XXXX  contacted me multiple times starting at approximately XXXX XXXX XXXX I re-informed XXXX XXXX both via text message and verbally during a phone call later that day that I am a resident of the state of XXXX  and that I am on XXXX and not to call me at or around XXXX XXXX XXXX XXXX XXXX that he understood and wouldn't continue with his actions going forward. 

Today, XXXX, I received two phone calls from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX XXXX and his company, Nexum Group , Inc., despite repeated warnings, have continued to call at unconscionable hours, completely disrupting my home and children. 

Furthermore, I have been unable to find any license information for this company in the state of XXXX, the state where I reside.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: SC

Complaint narrative:
My VISA is issued through Elan Financial for Fidelity Rewards. A few months ago someone opened an XXXX XXXX  account with my credit card. How they got my credit card number, I'll never know. There is a monthly charge of {$86.00} that appears on my statement. I dispute the charge, Elan agrees it is fraudulent and credits my account. They also issue me a new card with a new number.

A month later the same thing happens, with the new number. I go thru the process with Elan again and they say they can block XXXXXXXX XXXX  specifically. The charge is credited, I get a new number, and... 

A month later it happens again. Apparently they can't block the merchant. This has happened four times so far. 

Elan explains to me that VISA, not them, is telling XXXX about the replacement credit card number. I called VISA directly and learned that they have a product called " VISA Updater '' which merchants who make periodic charges, like XXXX, pay for that informs them about the updated credit card numbers. You can imagine how frustrating it must be for XXXX, or XXXX, or whatever-service when monthly charges are declined because the number is no longer valid. This service would be handy for them.

This means that this fraudulent charge will continue as long as I have this credit card account. VISA says I can always dispute it, which I have been. They also suggested I contact XXXX and cancel the account. How will XXXX know what account to cancel? I am not going to read a credit card number to them in hopes of them finding the fraudster and cancel his account. I have never used XXXX let alone open this account. 

VISA and Elan tell me my only choice is to cancel the credit card account altogether and apply for a new one - a brand new account will break the link. That is my next step.

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 2023-11-29 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-11-29 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: Synovus Bank
State: PA

Complaint narrative:
I have reached out to the credit bureaus and First Progress regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We closed on our home XXXX XXXX. The loan originated with XXXX XXXX XXXX  XXXX Original Loan Amt was {$440000.00}. The first payment due with XXXX XXXX was on XXXX XXXX, XXXX. I was told, by XXXX XXXX, if my loan is sold before XXXX XXXX that I would not owe a payment. The Loan was told to Penny Mac late XXXX XXXX. I was told by XXXX XXXX XXXX  no payment was due to them on XXXX XXXX, XXXX. I received an statement from Pennymac for payment due on XXXX XXXX XXXX. The payment was made to Pennymac. I just received a letter from XXXX XXXX XXXX  saying I owe them an XXXX XXXX, XXXX  payment. I have called Pennymac several times for them to explain why the mortgage loan shows, on their end, the full amt of {$440000.00} and not minus the amount XXXX XXXX says I owe them. I have asked to speak to management and still nothing. XXXX XXXX XXXX  says Pennymac purchased the Loan for {$440000.00} which should have included the XXXX XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX  a credit application was submitted for the Business as I was applying for a business credit card. I had entered my EIN and then was asked for the SS #. I had no choice but to enter my private information into he portal to complete the application., I received a response that the account was denied. Apparently for the low XXXX  score and a serious delinquency that does not belong on the report to begin with. I have contacted customer service in regards since this is adverse action against me and fraud in accord as they are aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). which has violated my federally protected consumer rights : and also in accord to12 CFR 1002 Regulation B and also 1002.7 with the rules concerning extension f credit. 


1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/XXXX  is both a proof and evidence that I have been discriminated against, American Express is also criminally liable. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 


Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been a victim of identity theft my credit report is bogus and they refused to clear my report of all 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 2023-11-29 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: GA

Complaint narrative:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly from my credit report.

Company response to consumer: Closed with explanation