vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CIG FINANCIAL LLC
State: NV

Complaint narrative:
XXXX have incorrect information on my credit report. 
And they doesn't want to fix it. 
I sent two disputes and they don't want to solve the problem. 
they have my day of birth incorrect my name incorrect. 
and they are putting a debt that does not belong to me XXXX dollars of a car loan I called the XXXX XXXX and they don't want to fix the problem either. 
I am not a customer and I do not have an account with them autonation financial. 
What should I do to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
On or around XX/XX/year>, a friend transferred {$1000.00} into my Alliant account. I had recently had to pay {$5000.00} in XXXX bills for my dog and did not have money to cover my bills or live on. I immediately planned to send {$500.00} to my main bank account, which was overdrawn, and then use the remainder to pay any late bills and buy things like food. Thus, on XXXX XXXX, I tried to initiate a transfer from Alliant to my main bank account for {$500.00}. Unfortunately, I was only allowed to transfer {$250.00} a day. So, I planned two transfers of {$250.00} each to my primary account on consecutive days. 

A few days later, I learned from my primary bank that the second transfer of {$250.00} had never gone through. Thus, I checked my Alliant account and found XXXX of dollars in fraudulent billing from XXXX. I filed a dispute for the dozens of charges with XXXX, first, who summarily denied all claims without a day without any explanation. 

Thus, I then reported the fraud to my bank. I went over each and every charge with the Alliant customer service person and was promised that the card on which the charges would appear would be closed, and a new card was issued. I was also promised that the bank would immediately begin its investigation. I asked when I could expect any provisional credit. I have had this account for over five years and have never had a problem. I waited two weeks and never received a new card or provisional credit. I called the bank again at the end of XX/XX/year> and discovered that the account card HADN'T been closed, a new card was never re-issued, and none of my disputes had been reported. Thus, I had to report every claim AGAIN to a representative. The card eventually arrived, but as of the date of this complaint, XX/XX/year>, I have not received a dime in provisional credit, and my account doesn't even show any of these charges in dispute. They are not going to help me, and I need this money. I collect Social Security benefits and have no money to live on until my benefits come at the beginning of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This company had an inquire on my report that I did not authorize or consent i am the victim of is theft and this company has been aware of this numerous times

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 2024-07-15 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: CA

Complaint narrative:
I have included below the Hard Inquiries I do not recognize done by me. 

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 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 2024-07-15 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:
I have included below the Hard Inquiries I do not recognize done by me. 

XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2024-07-15 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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to open a XXXX credit card and obtain mobile service witXX/XX/XXXX. I became aware of this situation in XXXX, and I've disputed these accounts numerous times with no result. Also, I have not received any information regarding these accounts from the companies. These accounts have been negatively reported since XXXX, which is significantly affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to open a XXXX credit card and obtain mobile service with T-Mobile. I became aware of this situation in XXXX, and I've disputed these accounts numerous times with no result. Also, I have not received any information regarding these accounts from the companies. These accounts have been negatively reported since XXXX, which is significantly affecting my 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: VA

Complaint narrative:
This company had an inquiries on my report that I did not authorize or consent i am the victim of is theft and this company has been aware of this numerous times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agencyXX/XX/XXXX) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XX/XX/year>

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded to an offer that came in the mail for a pre-approval Bread Cashback American Express credit card with a {$200.00} bonus if the cardholder spends {$1000.00} in the first three months of account open ( attached. ) The prescreen ID expired on XX/XX/XXXX but Id lost track of days that holiday week, so when the link directed me to an application for the same card, I assumed it was the same offer. I filled out the application, which was immediately approved. 

What was NOT made clear, and in fact what was very misleading, was that Id been routed to an application for a different credit card account, XXXX that did not offer a {$200.00} cash back bonus. 

That {$200.00} cash back bonus was the only reason I wanted the card. So I immediately called Comenity Capital Bank ( XXXX ) - the bank administering the Bread Cashback card - and cancelled it. ( Comenity 's letter acknowledging the account closure - attached ) To my dismay, although Id opened the account based on misleading information, and although Id had the account for less than XXXX minutes, and more so, had been told I was pre-approved ( also misleading, ) Comenity Capital Bank conducted XXXX HARD INQUIRIES on my credit report ( attached ) as follows : XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX - EXPERIAN XX/XX/XXXX - CCB/BreadCashback - XXXX XX/XX/XXXX CCB/BreadCashback - XXXX So on XX/XX/XXXX, I called Comenity Capital Bank and spoke with XXXX who XXXX it was possible XXXX remove these hard inquiries but that I had to write to Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX, OH XXXX, to request they be removed. 

As XXXX advised, on XX/XX/XXXX, I wrote to Comenity Capital Bank requesting they remove the XXXX hard inquiries, explaining that the application process had been misleading. ( letter attached ) The only response I received was XXXX letters ( attached ) : XXXX saying they would correct my credit report and one saying that the information was accurate since I did open an account. 

There was no acknowledgment of my having applied for a XXXX XXXX credit card under misleading circumstances, nor did they address the fact that the account had been closed within minutes. 

In the end, Comenity did not remove the XXXX hard inquiries as I requested on valid grounds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account XXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : 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 2024-07-15 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: NC

Complaint narrative:
I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which took a long time for someone to get my complaint and process it, which I am filing this complaint now. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is two fraudulent account and seven fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : 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 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 2024-07-15 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: LA

Complaint narrative:
I noticed that my credit report was used improperly according to law. As a federally protected consumer I have a right to privacy according to the Privacy Act of 1974. I reached out the credit agencies about the matter in XXXX and they disregarded my request. They stated that the information was VERIFIED, but they did not send me proof of how they Verified this information. I have a right to know according to law 15 USC 6802. I requested that the credit agencies to send me the information they used and the person they spoke with, dates to verify how they are able to add a Bankruptcy to my credit report. This public record is SERIOSLY AFFECTING my credit and I am not able to obtain credit because of it. I would like it removed IMMEDIATELY. I reached out to the Bankruptcy Court and ask them are they allowed to report a public record to the credit agencies and they stated that they do not send anything to the credit agencies. They sent me a letter and I also sent this exact same letter requesting that this be removed from my report and they refused to remove the information. I am not sure who the credit agencies got this information from. I have not consented to any 3rd party reporting my personal and private information to the credit agencies. According to 15 USC 1681 I the consumer have a right to privacy and this Public record is a violation and inaccurate reporting. Please remove this BANKRUPTCY from my credit report and send me a copy of the updated report. According to 16 CFR 313.7 I the consumer have the right to OPT- OUT of the Credit Agencies reporting this Public Record " BANKRUPTCY '' on my credit report. If the credit agencies do have correspondence with the COURTS then I am requesting they send me the information they used to verify this information directly from the courts not a 3rd party reporting agency that I did not give consent to. I am asking that this be REMOVED IMMEDIATELY from 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 non-monetary relief