vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-12-30 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:
I am writing to notify you that I am a victim of a data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The unauthorized access to my personal information has resulted in these accounts being fraudulently opened or reported, and I ask that they be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX {$35.00} INQUIRIES TO BE BLOCKED : 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 2024-12-30 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 am writing to notify you that I am a victim of a data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The unauthorized access to my personal information has resulted in these accounts being fraudulently opened or reported, and I ask that they be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX {$00.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX {$35.00} INQUIRIES TO BE BLOCKED : 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 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 2024-12-30 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: FL

Complaint narrative:
After reviewing my credit report, I noticed that a U.S. Bankruptcy Court item is listed on my credit reports. Under the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

In this case, the original creditor is the U.S. Bankruptcy Courts. I have received a letter from the Bankruptcy Court stating that they do NOT provide information to credit reporting agencies, nor do they validate or confirm public records. Additionally, XXXX has provided documentation that it could not validate this public record information. 

The responsibility for collecting and validating public records falls on credit reporting agencies or their third-party providers. Public record information is NEVER validated by the Recorder of Deeds or the U.S. Court system due to the Fair Credit Reporting Act Privacy Law.

As a result, the reporting of this bankruptcy on my credit file violates multiple federal laws, including : 15 USC 1681a ( e ) : Prohibits the inclusion of unvalidated public record entries.

15 USC 1681b ( a ) ( 2 ) : Prohibits furnishing information without the consumers consent.

15 USC 1681c ( a ) : Excludes bankruptcy information from a consumer 's report.

Your failure to validate this information is a violation of these laws. The continued reporting of this bankruptcy is causing me great harm, including preventing me from obtaining credit to support and sustain my family.

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
on XX/XX/year> i tried to use my gift card online after i checked my balance to make sure i had enough money. when i go to check it it says that the card issuer refused my transaction even when the amount was lower than what i had left on the card. I had purchased items using the card before and on the same website with no problem but now its not working on any site when i have {$130.00} left. This is an American Express gift card. the customer service is awful with a bot so you cant get much out of it especially when its a problem like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These credit accounts and hard inquiries 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Dealer never discloure an incident to the bank that the car they where selling me was involve in an accident and the manufacture did devaluate the car due to this condition. stop any future payments until a resolution is taken

Company response to consumer: Closed with explanation
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-30 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:
There is an XXXX XXXX account on my credit report that is not mine or inaccurate due to labor trafficking and I have received a letter from the creditor saying that I dont or never had an account with the creditor i would like it removed immediately

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate And one more thing according to 15 USC 1681s- 2 a person shall not furnish my information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and 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 account 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 these items 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 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: NY

Complaint narrative:
I was contacted by Arcadia Recovery Bureau , LLC regarding a debt it states that I owe that I did not immediately recognize. An Arcadia phone representative said they would send me an itemized bill. The only thing I received in the mail was a general statement of the debt owed -- it was not itemized. I called and was told that what I was looking at was the itemized debt -- this made no sense. In a subsequent call, I disputed the debt and was told to call back in one week. I called back one week later and was told that was way too soon and to call back in several weeks. 

On XX/XX/year>, I called again and was told that there was no dispute filed. The representative was very rude, kept speaking over me, misrepresented what I said regarding the debt, and the hung up on me. I called back and spoke with a supervisor, XXXX, who said that, contrary to what the previous representative had told me, no itemized bill had ever been sent. He said he would follow up. 

I suspect Arcadia may have violated at least two consumer protection laws or regulations : ( 1 ) failing to send an itemized bill and ( 2 ) failing to permit me to dispute the debt.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
I have discovered after recently obtaining my credit reports from TransUnion and XXXX that there are inquiries that I did not authorize. I have included a report filed with the FTC.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-30 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: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
Tried to dispute with each creditor, stating that according to 15 usc 1692c the law clearly states if a consumer notifies a debt collector the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit report is a sign of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I have yet to receive reward points from Apple 's credit card through Goldman Sachs during the months of XXXX, XXXX, and XXXX. I initially noticed something was off when my balance remained stagnant in daily cash ( where rewards are deposited ). After reaching out with concerns, I started receiving points moving forward again, but the amount owed was never credited. I spend XXXX  per month, which amounts to a nice lump of rewards. 

I have now tried working with Apple and GS over 4 times. Each time I get told how they will create a case and resolve the issue. Each time I follow up I am told there was no case ever created. Each rep gave a completely different story and proposed resolution. 

After realizing this was a legitimate attempt by GS to deny points earned through delay tactics, I closed the account and paid off the balance owed that day. I was a cardholder for years, and after this experience, I would tell anyone to avoid Goldman Sachs no matter what. 

As I write this report, I was just issued my first confirmation that a case had been opened. I initially stated I would file a XXXX  complaint. After realizing they are not accredited, I stated I would file a complaint here. That is what it took for them to open a legitimate case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
On on or about mid XX/XX/year> I was notified by XXXX XXXX XXXX XXXX that my personal information, including sensitive details such as my name, Social Security number, and financial data, was compromised due to a security incident. This breach has led to unauthorized access to my accounts and resulted in fraudulent activity being reported on my credit report. 

Then again XXXX also notify me as well. As a consequence of this breach, I discovered several fraudulent accounts and transactions that I did not authorize. These discrepancies have now created significant challenges for me. Specifically : Fraudulent Accounts** : My credit report now shows accounts that I did not open, which has adversely affected my credit score. 
I am actively working to resolve this matter by disputing the fraudulent entries on my credit report and seeking assistance from credit monitoring services. However, the immediate effects are hindering my ability to manage my day-to-day expenses effectively. 

I kindly request your understanding and support as I navigate this challenging situation. If you require any additional information or documentation regarding the breach or the fraudulent activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief