vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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 have identified accounts on my consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> Resurgent Capital Services made XXXX withdrawals totaling {$3100.00} from my checking account. I contacted them and they realized Im not one of their clients and owe no debt. I have credit score of nearly XXXX and I have never been sent to collections. They said they would investigate but couldnt give me a timeframe to fix it if at all. This should never happen. How can a debt collector take funds from someones account in error. I want the funds returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXXXXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX personal information Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX, TX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding identity theft that has caused fraudulent student loans to be opened in my name without my consent. 

Recently, I discovered that someone used my personal information to open student loan accounts in my name. I did not apply for these loans, nor did I authorize anyone to do so. I was shocked and frustrated to find out that these loans were linked to my name, and I am worried about the long-term impact this will have on my credit and financial future. 

I have tried to address the issue by contacting the loan servicers and filing fraud alerts with the credit bureaus, but the process has been slow, and I am not getting the assistance I need. I am requesting that your office investigate this situation and help me resolve it as quickly as possible. 

Specifically, I am asking for : The fraudulent loans to be removed from my credit report. 
Assistance in clearing my name of any debt I did not incur. 
Help with getting the issue resolved with the loan servicers. 
I would appreciate any support or guidance your office can provide in addressing this situation and preventing further damage to my financial records. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK OLD ACCOUNT # XXXX NEW COMPLAINT # XXXX This account was set for account closure on XXXX with {$110.00} in my checking account and {$300.00} in my savings at the time I was locked out. I spoke to XXXX in Executive Response Unit and she stated that a check would be issued in XXXX days. The 60 day deadline is XX/XX/year>. 

I called Citibank today to check ( XX/XX/year> ) on the status of my funds and I was informed there were NO FUNDS in my account. I am opening this complaint because I want to ensure that I receive all the funds that were in my account at the time I was locked out. They should not be allowed to steal my money. Please help ensure that I receive my funds and this account is properly closed.

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 2024-11-05 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: MA

Complaint narrative:
I am not liable for this debt of {$180.00} with XXXX XXXXXXXX Account # XXXX I do not have a contract with XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID 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 2024-11-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, andXXXX XXXX XXXX, XXXX. I have yet to receive any response from XXXX, XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX. Additionally, I did notify XXXX, XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted XXXX, XXXX ( aka " XXXX XXXX XXXX XXXX XXXX XXXX' ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, andXXXX XXXX XXXXXXXX, XXXX. I have yet to receive any response from XXXX, XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX. Additionally, I did notify XXXX, XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my 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 2024-11-05 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: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted TRANSUNION to contacted them to inquire who provided to them information relating to a XXXX XXXX XXXX filed at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ( Docket XXXX ), and their " information provider '' is XXXX XXXX XXXX XXXX XXXX. I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an " information provider, '' such as XXXX XXXX XXXX XXXX XXXX, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX XXXX XXXX XXXX. As of today, TransUnion continues to illegally report this XXXX record, without and against my consent.

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 2024-11-05 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-11-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 2024-11-05 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
I paid off the loan ending in XXXX application I'd XXXX over two weeks ago and still have not received m refund which should be over XXXX dollars.They have a policy where they demand prompt timely payments but thier policy for refunds is not mutual

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only. 

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter. 

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft. 

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected. 

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries. 

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names 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 non-monetary relief
Consumer complaint received 2024-11-05 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:
I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only.

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter.

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft.

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected.

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries.

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief