vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

My Lawyer told me that this is my final demand regarding these accounts.

These accounts must be removed from my report immediately as they have been completely exposed, compromised, and negatively impacted due to data breaches and exposure to the dark web.

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-29 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: AL

Complaint narrative:
DATA BREACH IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN MISUSED TO OBTAIN CREDIT, RESIDENTS AS WELL AS AUTOMOBILE CREDIT CARDS I BEEN A VICTIM SINCE XXXX AND XXXX WHICH I FILED A POLICE REPORT BOTH TIMES THERE ARE INQUIRIES THAT I DIDN'T GIVE PERMISSION AS WELL. MY INFORMATION IS ALSO FOUND ON THE BLACK WEB I BEEN NOTIFIED. I HAVE SENT DISPUTE LETTERS THAT WASN'T HONORED BY THE CREDIT COMPANIES TO CLEAN UP THE MATTER AND UPDATE MY INFORMATION WHICH WAS IGNORED BY ALL XXXX CREDIT COMPANIES REPORTING FALSE COLLECTIONS AND CHARGE OFFS THAT DO NOT BELONG TO ME DUE TO ME BEING A VICTIM OF DATA BREACH IDENTITY THEFT

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 2024-12-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
DATA BREACH IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN MISUSED TO OBTAIN CREDIT, RESIDENTS AS WELL AS AUTOMOBILE CREDIT CARDS I BEEN A VICTIM SINCE XXXX AND XXXX WHICH I FILED A POLICE REPORT BOTH TIMES THERE ARE INQUIRIES THAT I DIDN'T GIVE PERMISSION AS WELL. MY INFORMATION IS ALSO FOUND ON THE BLACK WEB I BEEN NOTIFIED. I HAVE SENT DISPUTE LETTERS THAT WASN'T HONORED BY THE CREDIT COMPANIES TO CLEAN UP THE MATTER AND UPDATE MY INFORMATION WHICH WAS IGNORED BY ALL XXXX CREDIT COMPANIES REPORTING FALSE COLLECTIONS AND CHARGE OFFS THAT DO NOT BELONG TO ME DUE TO ME BEING A VICTIM OF DATA BREACH IDENTITY THEFT

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX  # XXXX Amount XXXX Was paid in full and brought insurance

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX  # XXXX Amount XXXX Was paid in full and brought insurance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX  # XXXX Amount XXXX Was paid in full and brought insurance

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-29 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: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion LLC refuses to conduct a proper investigation into my disputes. When speaking with the customer service representatives they request me to verify telephone number and email address in case the call is disconnected. Often time the call is disconnected on their end but they never call back. The customer service representatives often provide inaccurate information to me. They state that the situation will be escalated by the special handling department but no never follow up! 

This is civil liability for willful non compliance 15 USC 1681n. Please this a violation and I would like my payment per each violation. 

I have disputed XXXX XXXX XXXX with TransUnion for over XXXX months. I have disputed that XXXX XXXX who works with TransUnion deleted the XXXX XXXX XXXX Account from my credit report and uploaded supporting documentation to their TransUnion website but I was told today that they wont accept the documents with no clear explanation. I also disputed the inaccurate payment history. TransUnion has been reporting inaccurate information. Per TransUnion last payment date for XXXX XXXX XXXX was XX/XX/XXXX, but the payment history reflects payments in XX/XX/XXXX. This is a violation and this needs be permanently removed from my credit report. 

I also disputed XXXX XXXX XXXX with TransUnion. I disputed that they are reporting this as an open account when collection accounts are to be closed. Also I do not know who this collection agency is as I have never been in agreement with them. I ask that TransUnion please provide me with evidence stating that I signed any sort of agreement with XXXX XXXX XXXX. Please delete from my credit report immediately. 

TransUnion also sent me a letter stating that they can not locate my credit report for the above disputes. So when I call TransUnion and speak with a customer service representative they have to look at the credit report to provide information over the phone. Once again this is a violation of my rights. Civil Liability for Wilful noncompliance 15 USC 1681n. 

Please investigate TransUnion and their practices of investigating disputes. Consumers have a right to a XXXX XXXX accuracy in their credit reports.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
First I want to say I am not disputing anything at this time. My Experian says I have 9 accounts that say I am 60-90 past due. but I can't find this on my credit report and I have written them I have filed complaints and nothing. ALL I WANT IS TO HAVE A LIST OF WHO IS SAYING THAT I HAVEN'T PAYED AS AGREED. This is very simple to do. Tell me who is saying I have late payments. I have been trying to get this for over a year. Please send me who is saying I have late 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My identity was stolen and used to create XXXX loans. I have contacted the school and loan company and Ive been fighting this for over a year now. I just submitted a new report with Transunion but my first report for the fraud was deemed as accurate. The loan companies, XXXX and XXXX approved these loans without proper verification of identity and sent the money to an address that does not belong to me and accepted false information to approve these loans. The credit bureaus have not helped me dispute these loans.

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 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX in XX/XX/XXXX. Due to the vehicle falling under the lemon law, the vehicle was purchased back by XXXX XX/XX/XXXX. At that time, XXXX was quoted a payoff amount of {$14000.00}. This was paid to XXXX XXXX XXXX XX/XX/XXXX. 

Due to the account not showing as closed on my credit reports, I contacted ACA. I was told that I owe approximately {$600.00}. The rep and the manager on duty told me this was for late fees. How can I have late fees if the account was current when it was taken back to XXXX. I asked for a print out of what I owe and the statement shows a credit of {$120.00} on the payment ledger. 
I called last week and was told that I owe approx {$150.00} for late fees. Again, my balance should be XXXX. 

I paid for an Extended Warranty and GAP Insurance. In the amounts of {$570.00} and {$540.00}. Those payments were refunded back to ACA on XXXX and XXXX. I received a letter from ACA stating this would be refunded to me but they have refused to do so. 

Attached you will find the XXXX bill which showed a balance due of {$660.00} and also the transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Theses inquiries were unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a targeted offer this past fall from American Express for the Delta Skymiles credit card. It specifically appeared with my name attached to it on the checkout page when I was purchasing a XXXX XXXX XXXX on the Delta website a few months ago. I trusted this deal to be truthful and accurate, and so I signed up for this card and hit the {$2000.00} required spending threshold, but noticed today that I had never received the welcome bonus offer that was promised. I reached out to AMEX through chat online, and they said it was not approved because at one point in the distant past I had this card before. That must've been YEARS ago, and even if I did, I still received the targeted offer that I was once again eligible for it again. 

The offer also stated that if I was approved for the AMEX card, I'd also get my first checked bag complimentary free ( which I did, no issues with that ), roadside assistance ( which appears to be as promised ), etc. I received this targeted offer due to my extensive business with Delta, I expect to receive it. It's a very unethical and misleading business practice to invite me to sign up for an offer and then never award the XXXX bonus miles for making $ XXXX in purchases in the first 3 months, yet afford me other perks of the card like roadside assistance and a free checked bag. Essentially, you're changing the terms of the card, for which I dutifully paid my {$99.00} annual fee, and then you bait-and-switched on me.

Please credit my Delta account, # XXXX with these XXXX miles as soon as possible as per the agreement. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2024-12-29 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: Certegy Holdings, LLC
State: TX

Complaint narrative:
Certegy Payment Solutions , LLC XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is XXXX XXXX, and I reside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$11000.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$35000.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$2100.00} These credit accounts are the results 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