vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My recent credit report review revealed some billing mistakes. The listed late payments are not representative of my usual timely payments. Id appreciate it if you could resolve this and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains accounts that I do not recognize and believe are inaccurate. I request these fraudulent accounts be removed without delay.

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 2024-12-14 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:
Im am a victim of identity theft the XXXX XXXX XXXX XXXX XXXXXXXX is not mine it is a fraudulent account I have attached a FTC report also 605B ( 15 U.S.C & 1681c-2 ) requesting that Equifax block this account from reporting to my consumer report within 4 days from receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report, I identified a few billing inaccuracies. The late payments indicated are inconsistent with my history. I request that you correct these errors and update my account 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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: WA

Complaint narrative:
I went to XXXX XXXX XXXX for a month and a half/one quarter, for the XXXX XXXX XXXX XXXX. Then with draw because of health issues but later found out I was charged twice! One was from the school which was {$1300.00}, Then Sallie mae sent them {$1500.00}. So all together it was almost XXXX $! I then call Sallie mae they said they sent the money on XX/XX/2024 in i have talk to them to refund the money. I then keep email and calling XXXX XXXX XXXX in the only answer I got was the money when to your tuition/study. Then try talk someone else and never got a response from anyone there!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 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 a personal EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, an EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, and a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 # ( private case number ) 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 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 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Assistance Regarding Hold on Business Checking Account Account Number : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance concerning a hold placed on my business checking account with U.S. Bank. This hold has significantly impacted my business operations, and I am seeking its immediate removal and the release of my funds. 

I first noticed unauthorized charges on my account starting in XXXX. However, I became aware of the issue in early XXXX. Despite my attempts to resolve this matter directly with U.S. Bank, I have not received a satisfactory explanation regarding the hold on my account or the status of the disputed transactions.

I respectfully request a detailed explanation for the hold placed on my business checking account and the steps required to have it removed. The continued restriction on my funds is causing considerable strain on my business, and I would like to resolve this matter as promptly as possible. 

Thank you for your attention to this urgent issue. I look forward to your assistance in facilitating the removal of the hold and the release of my funds. 

Sincerely, XXXXXXXX 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 2024-12-14 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am writing to formally address an issue regarding my account, which I recently discovered has been sold or transferred to a collections agency without proper cause or legal authorization. 

This action is both unwarranted and potentially violates applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. To the best of my knowledge, I have not received proper notice of this transfer, and I dispute the validity of any alleged debt associated with this account. My personal information has been involved in several data breaches and I am a victim of identity theft as well I request the following : 1. Immediate Confirmation : Credit card Accounts that are closed, charged off and or outdated should be removed from my credit report immediately. I have ask the companies for debt validation claim according to 15 US 1692. 


number XXXX  I asked For all companies to send me a full detailed list of the payment history on this account number XXXX. I asked to see the original signature that I agreed to on the contract for this creditor, number XXXX. Has there been any insurance claims found on this debt? 

and I see the chain of title that you have to collect on? 

To no avail

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 2024-12-14 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I was recently checking my credit report and I noticed a bunch of hard inquires that were not submitted by me. I am sending this information in because I want these fraudulent inquiries to be removed.

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 2024-12-14 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: Global Lending Services LLC
State: CT

Complaint narrative:
I was recently checking my credit report and I noticed a bunch of hard inquires that were not submitted by me. I am sending this information in because I want these fraudulent inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have inquiries on my credit report that does not belong to me. These companies are not assisting in removing these fraudulent items 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I have inquiries on my credit report that does not belong to me. These companies are not assisting in removing these fraudulent items 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 2024-12-14 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 # ( private case number ) 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 2024-12-14 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: VA

Complaint narrative:
There are accounts on my credit report that I dont recognize and suspect were added fraudulently. Kindly take steps to block and delete 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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Lvnv junk debt collectors claim I owe them but no validation has been made and no contract was implied or signed. Please remove this from my credit report please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
Hello I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year> my daughters pay check was deposited into my account. She was only using my account at XXXX until she opened up her own account. Her pay check was {$2500.00} from XXXX XXXX she is a XXXX XXXX She asked me to transfer {$1500.00} to her account because at the time I was out of town and she was trying to pay some bills. I added her account to mine as an external account and then I transferred {$1500.00}. When I transferred I didnt realized I selected the wrong account for the funds to be sent to instead it was sent to my savings at Navy Federal . I immediately contacted my bank ( XXXX ) to reverse the funds, but the bank said they couldnt reverse it because it was an external bank that they would request the funds back. My account at Navy Federal was closed because I owed money because I fell on hard times and could not pay like I was supposed to. But they used the money to pay my balance but I called them and told them that was my daughters pay check I even submitted the bank statement to show it was a direct deposit from the company she works for. They didnt care they told me that it was nothing they could do. They couldnt reverse the transactions. As I further investigated the bank ignore the request to have the funds sent back on XX/XX/year> and then used the funds on XX/XX/year>. They never responded to my banks request and they employee I spoke with was rude and very disrespectful and told me to be careful next time but they couldnt give me my daughters money back. Like I told her if I had the money to pay what I owed I would have been paid it, but now this is putting me in another financial burden and I dont know what to do, my coworker advised me to fill out a complaint. The bank also sold my information to a third party and I was told the account was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My recent credit report review revealed some billing mistakes. The listed late payments are not representative of my usual timely payments. Id appreciate it if you could resolve this and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MN

Complaint narrative:
In accordance with 15 USC 16c-2, I am requesting the removal of unauthorized hard inquiries from my credit report, as they are incorrect and harming my 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ON XX/XX/year> MY ACCOUNT WITH SYNCB /CARE CREDIT AND SYNCB / CAR CARE DISC CHARGED OFF BOTH ACCOUNTS, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A review of my credit report showed several discrepancies regarding late payments. These records are inconsistent with my usual payment behavior. Id appreciate it if you could correct this and update my account.

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