vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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 would like to initiate an investigation into these accounts, as there seems to be a discrepancy regarding their accuracy on my credit report. These accounts were previously deleted but have been re-added without my knowledge. I have not received any notification or mail about their reinstatement.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report , and a prior 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit reporting agency furnished debts that are paid and have not been validated or verified and inquiries that have no permissible purpose on my 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 2025-01-07 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:
I recently took a look at a copy of my credit report and realized that there was some fraudulent accts on my account please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-07 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 have credit inquiries that I do not recognize and I have no credit obligation with this company. 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 2025-01-07 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 have credit inquiries that I do not recognize and I have no credit obligation with this company. XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
We were on a cruise ship and purchased a large quantity of artwork from XXXX XXXX XXXX during our cruise on the XXXX XXXXXXXX XXXX between XX/XX/XXXX and XX/XX/XXXX of XXXX. We were told we qualified for deferred interest free financing on the {$15000.00} balance through Synchrony Bank and we would simply take the balance and divide by 36 and owe that amount each month to Synchrony Bank In looking at the account we now see where we are being charged a 2 % one time promotional fee on each piece of art. We were never informed about this when purchasing the art and doing the deferred interest free financing arrangement.

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 2025-01-07 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: PR

Complaint narrative:
In accordance with fair credit reporting act, the account : XXXX Bank XXXX XXXX XXXX, number : XXXX, has violated my rights. 
15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its also States a consumer reporting agency CAN NOT Furnish an account without my written Instructions.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Calls began on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX. Continued on XX/XX/XXXX at XXXX, XXXX, XXXX, and into XX/XX/XXXX at XXXX, XXXX, XXXX. 
Spoke with XXXX ( XXXX ID # XXXX ) who advised payment needed to be made immediately. I advised this was not possible and advised XXXX that Citi had violated FDCPA harassment regulations by now having called 10 times within a 3 day period. XXXX began asking detailed questions as to why payment today was not possible, to which I was unwilling to discuss beyond the fact of a change in income and either keeping absolute necessities met such as groceries & utilities or paying a store credit card with a 30 % interest rate ; he then began suggesting that I skip a payment to another debtor such as a car loan or mortgage in order to pay Citi Bank.

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 2025-01-07 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:
XXXX XXXX XXXX XXXX {$6000.00} Open XX/XX/year>XXXX XXXX XXXXXXXX XXXX {$7800.00} Open XX/XX/year> XXXX Bank {$9400.00} XXXXXXXX XXXX {$9700.00} XXXXXXXX XXXX {$7100.00} XXXXXXXX XXXX  {$13000.00} XXXX XXXX XXXX {$1200.00} I was a victim of the Equifax data breach, I've reached out to Equifax credit report agency as well as XXXX and I've sent over police reports as well letting them know these account were open fraudulently, and that theses account should be removed from my credit report immediately but still it hasn't been removed at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
Im reaching out with concern over an unfamiliar inquiry that has appeared on my credit report. I never authorized or gave consent for this company to access my information, nor have I applied for anything with them. This unexpected and unauthorized activity is causing me significant XXXX and XXXX as I try to understand how and why it happened and believe this to be fraudulent.

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 2025-01-07 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:
Ive recently noticed that my credit report does not reflect my correct personal information, and this error has led to unknown and inaccurate accounts appearing on my credit. This situation is not only frustrating but deeply XXXX and XXXX. Its incredibly unsettling to see these inaccuracies impact my financial reputation, especially when Ive done nothing to warrant 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 2025-01-07 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: PA

Complaint narrative:
I am requesting to have the following information removed from my credit report due to my information being exposed in a data breach and as a result I now a victim of identity theft. I do not have any knowledge of any of the accounts listed below and would like them removed because they were opened fraudulently without my consent. 

The accounts are : XXXX Acct # XXXX {$380.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$5.00} XXXX XXXXXXXX {$150.00} XXXX XXXX XXXX {$300.00} I would also like the following hard inquiries removed as well : XXXX XXXX XXXX XXXX XXXX Please remove the above fraudulent accounts and hard inquiries from my credit report immediately and update credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
I am requesting to have the following information removed from my credit report due to my information being exposed in a data breach and as a result I now a victim of identity theft. I do not have any knowledge of any of the accounts listed below and would like them removed because they were opened fraudulently without my consent. 

The accounts are : XXXX Acct # XXXX {$380.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$5.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX {$300.00} I would also like the following hard inquiries removed as well : XXXX XXXX XXXX XXXX XXXX Please remove the above fraudulent accounts and hard inquiries from my credit report immediately and update credit report as well.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been banking with Bank of America since XXXX and have never had any issues with the bank until this day. XX/XX/XXXX. I have incoming and outgoing zelle transfers from my family and friends on a weekly basis. I rely on this account to send my family money in another country XXXX to be precise and to receive money from friends when I cover the bill on expenses due to our job. I am a XXXX  and work in different areas once a new project is given. I signed into my account this morning and saw that my accounts were not there. It concerned me so I called the bank immediately and the representative I spoke to said my accounts were going to be closed due to XXXX. I was not given a clear indication as to why this decision was made. I looked up the terms and conditions of XXXX and I dont see where I have violated any rules. I am fully aware who I send money to and that Dollar and frequency limits apply. I thoroughly read the Online Banking Service Agreement at bankofamerica.com/serviceagreement. I am very displeased, upset, disappointed, etc because I rely on this account heavily. My automatic drafts and direct deposit come to this account. I was not given any notice or some type of alert that anything seemed suspicious or concerning to the bank. I want this to be resolved as soon as possible because it has to be some type of error on their end

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 2025-01-07 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX I provided proof that it wasnt my bill and I never lived there and they never removed it as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I recently took a look at a copy of my credit report and realized that there was some fraudulent accts on my account please remove 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 2025-01-07 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal say I'm fraud their company. But problem is they are fraud and holding my money. Fix my credit reports and release my money at least pushing time zone and date zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am part of the sweet vs. cardona lawsuit. I requested a school misconduct application to forgive my private loan being serviced by MOHELA. My application was denied for a very vague reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please have this fraud alert removed, I never initiated any of these fraud alerts.

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 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection has two balances under my credit report in the amounts of {$1700.00} and {$2200.00}. I believe the original debt holders were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which were both under XXXX XXXX XXXX who filed for bankruptcy on XX/XX/year>. The hospital and clinic is now owned by XXXX XXXX. Ive disputed the debt cuz the dates are incorrect and the dates are not accurate, I also asked for an explanation of debt. XXXX itemized bill and havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

Therefore, these below disputed accounts must be deleted. 

CREDITOR : XXXX XXXXCCOUNT # XXXX CREDITOR : SYNCB/CARECR ACCOUNT # XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!

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 2025-01-07 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation