vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
affirm and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the affirm account was fraudulently opened in my name. ive been trying to reach affirm via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from Santander that was issuing a refund due to file review. Santander was the original creditor. This debt should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I was pre approved for {$4200.00} for Upgrade+ via XXXX XXXX but as soon as I submitted the application I was denied. So I called customer service and the agent let me know I was denied because of public record couldnt match my SSN to a valid cell phone account. My cell phone is under my business XXXX not my SSN. We are not required to have a cell phone under our SSN. I asked was there any other way to verify my identity. XXXX the supervisor said no and I thought that was really unfair. I called XXXX to verify my name was added to my business account as well. They updated my account over the phone. Screen shot attached. However they said my XXXX does not need to be added to the account. The Last XXXX of my SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Apparently someone was trying to rent housing in XXXX Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB  : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : Affirm Inc . 

RE : Account # XXXX Balance : {$90.00} Affrim Inc XXXX 
Account # : XXXX Balance : {$110.00} Affrim Inc. 
Account # : XXXX Balance : {$98.00} Affirm Inc . 
Account # : XXXX Balance : {$130.00} Affirm Inc . 
Account # : XXXX Balance : {$120.00} Affrim Inc. 
Account # : XXXX Balance : {$320.00} Affirm Inc . 
Account # : XXXX Balance : {$170.00} Affrim Inc. 
Account # : XXXX Balance : {$73.00} Affirm Inc . 
Account # : XXXX Balance : {$87.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Equifax Credit Agency claims that : 1 ) XXXX  XXXX XXXX XXXX  ( charge off ) Balance {$9300.00} is accurate after my dispute 2 ) XXXX XXXX XXXX XXXX  ( charge off ) Balance {$40000.00} is accurate after my dispute 3 ) XXXX XXXX XXXX  XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  
2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX, OH XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. The following personal information is incorrect
    
        Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I received a knock on my door on XX/XX/XXXX. With a person handing me a subpoena to go to court from velocity investments, previously owned by prosper marketplace. I have never done any business or had any dealings with this company. They claim that I owe them money from a loan that incurred on my name dating back from XXXX or XXXX of XXXX. This was a person using my information to commit a fraud. Other than a student loan that I am currently paying, I did not open any other personal loans from that date or present.

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 2023-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I submitted a complaint on XX/XX/10 and recieved a response from Amerisave, with wrong information and they also told me they were preparing to send my paperwork out that week and would receive them the next week and the beginning of the week. It is now mid week and i still have not received anything. So I called Amerisave to check the status and was told by the rep, there had been absolutley no update to my account. No paperwork had been prepared.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone got a car loan for a XXXX XXXX XXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXX XXXX pl XXXX, Tx XXXX Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone got a car loan for a XXXX XXXX XXXXXXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXXXXXX XXXX XXXX XXXX, Tx XXXX Account : 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Very maliciously and intentionally, Citibank SearsCard arranged to have a secure message notification sent to me at the beginning of the XXXX XXXX Holiday Weekend. The notification was sent shortly before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The notification stated that it would expire on XXXX XXXX XX/XX/XXXX. First, it is unlikely that an employee created the message close to XXXX but someone in the corporate executive office purposely programmed the message only to be available during the national holiday period in RETALIATION for my previous complaints against Citibank SearsCard. Like so many other patriotic Americans, I celebrated and memorialized our dedicated veterans during XXXX XXXX, and, did not check my emails during this time. When I tried to access the secured message the day after XXXX XXXX it was gone. It is wrong for Citibank to allow only three days to access a message. Even more so restricting access only to a three-day national holiday. Even worse, is the anonymous, unnamed, cowardly employee retaliating against an XXXX who complains about Citibank.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX, I started receiving 'rejection ' letters from credit and auto loan companies. Since I hadn't applied for credit or auto loans for over 5 years, I knew Identity Theft was occuring. 

All three credit reporting bureaus were advised and each put a 'freeze ' on my account on XXXX XX/XX/XXXX. I also filed a police report with local law enforcement. 

XX/XX/XXXX, I was notified by my XXXX account they had slashed my {$21000.00} line of credit because of 'late payments ' and 'excessive inquiries '. Since I had ZERO late payments, I reviewed my credit report and found alarming information - my credit score had plummeted to 'Poor ', and there was an unfamiliar credit card account fraudulently opened XXXX XX/XX/XXXX. It had late payments, an out-of-state billing address and phone number. I contacted the credit card company and advised them of the fraud and they flagged it. I submitted a fraud report to the FTC and started the process of removing the fraudulent account from my credit reports, but ran into bureaucratic obstacles and the problem remains unresolved. Meanwhile, my other credit cards also reduced my available credit. 

This enabling of fraud at the expense of a once 'excellent ' credit rating is unacceptable! The fraudulent account must be removed from my report and my good credit rating reinstated.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am reporting Transunion customer service department they did not help remove the negative inquiries that are reporting on my credit report. 

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 USC 1681.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
XXXX from XXXX XXXX, dispute opened, provided documentation showing I requested cancellation from the company. Current decided to close my dispute and not honor the refund although the service was never received and a request for cancellation was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
BANK OF AMERICA {$2300.00} XXXX reported this by submitting a complaint, they keep stating it is verifiable. They use my account and identity information to prove it. However, this account was opened fraudulently. I have an FTC, CFPB, police report, and more. I also have this message in my credit reports. 

I do not have any knowledge of this said account and it needs to be removed now.

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