vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than XXXX business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than XXXX business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

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 2025-01-05 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt Letter

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 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I reached out to the company via email several times because I questioned the amount owed. I never got any clarification. I paid of the amount owed except for what I had questioned. This was never fully provided to me. 

The second issue was that I never gave XXXX XXXX  consent to see d me electronic bills. 

The third issue was that the store manager never changed the 0 % apr promotion expiration date. The date the furniture was delivered and the end of the promotional financing does honor the interest-free promotion that the furniture was purchased under and the company charged me XXXX in interest. 
After numerous emails I was given the number to the president and he only offered me an additional discount on any new purchase I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Today, on XX/XX/2025, I went to withdraw money from my checking account at Capital One Branch, located at XXXX XXXX XXXX XXXX  NY. I went to the teller window and presented my withdraw slip. After proper Identification the teller started looking into my account and asked me " Who are all these people sending you XXXX transaction. '' I told her they are family and friends. She told me that my account has excessive XXXX transactions, and I should ask my family and friend members to transfer fund to me via Cash and or checks. I told her, I thought XXXX transactions are more secure and trackable by financial institutions if needed and cash can be questionable.

Upon my reply, she told me that she will make this one-time transaction as curtsey for me, and if it was another individual, they might have denied my withdraw request. While we were having this conversation, one of her male colleagues came approached her and started looking at the computer monitor and asked her " what's going on? ". She explained the situation to him.

At this point, the male associate asked me " Where am I from? '' I answered him, I am from XXXX. And he replied, " XXXX  people do these kinds of things. '' There were other customers waiting in line and were able to hear our conversation. I felt extremely uncomfortable as I was being XXXX XXXX. I left the branch without having any additional conversation with anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX is withholding my credit file and report.its been 3 years and it shows XXXXive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to Equifax especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming equifax received said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Checking my credit something popped up XX/XX/XXXX for best buy/cbna I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called citi banks they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX  dollars

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 2025-01-05 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: CA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
My consumer information was used to apply for credit at the XXXX creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Bank is committing illegal activity by freezing my account and not giving me access to my funds. I have not been able to access my account now for over 2 weeks. I've called Ally over a dozen times within the last 2 weeks and spoken to a lady named XXXX in the fraud department. She has been extremely rude, hung up on me, and given me zero information why my account has been frozen. Even though I've verified my account and identity over 50 times when calling in to Ally. I've asked to speak to a supervisor who never returns my calls. For 2 weeks now I've needed to pay employees, credit card bills, and rent and can not access my funds to do so. What Ally Bank is doing has to be illegal. I understand that they can briefly freeze an account until it's been verified. But it can't be legal to do now going on over 2 weeks when the account and transactions have been verified over 50 times. At this point my only options seems to be to file a lawsuit for damages. But I thought I would reach out to the CFPB before doing so. 

Ally Bank used to have the best customer service of any bank out there. In the last few years, it has become the absolute worst. All I want to do is get my money out and close my account with Ally. And inform other people that Ally will hold their money XXXX. What appears to be happening is I have been withdrawing money to other accounts because I'm getting ready to close my Ally account. Ally clearly doesn't want this, so they've marked my account as " fraudulent '' in an attempt to keep my money in their bank. Because they can't give me any information on why it was flagged as fraudulent, give me any time frame on when I will be able to access my account, or unfreeze the account after multiple verifications by myself.

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 2025-01-05 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus. 

So if that is the case how did the credit bureaus edify my bankruptcy XXXX % accurate. 

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. 

State law may impose additional requirements. The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times. 

The credit bureaus violated my right under 15 USC 1681. According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: NC

Complaint narrative:
inaccurate information and balances that do not own to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information via Certified mail to Equifax and my dispute is not complete. Per 15 USC 1681c-2 ( a ) the information disputed was to be deleted from my report in four business days. The same accounts being disputed have been removed from XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. Equifax responded to my last CFPB complaint ( XXXX ) with a STALL statement saying " So that we can process your request and verify your identity, please send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than two years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ).

Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX XXXX XXXX '' ALL OF THIS INFORMATION WAS ATTACHED TO MY LAST CFPB COMPLAINT ON XX/XX/XXXX AND COLSED XX/XX/XXXX WITH THIS EXPLANATION WHICH IS UNACCEPTABLE WHEN THEY HAVE THE REQUIRED DOCUMENTATION. I spoke with several representatives that said they received the info and it will be deleted, which is contrary to the CFPB response from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a Private Student Loan Exception Request to my lender, XXXX XXXX, due to school misconduct by the XXXX XXXX University XXXX XXXX XXXX ). On XXXX XXXX American Education Services ( AES ) issued me a denial and directed that I contact the XXXX XXXX XXXX FTC to assert certain claims. I contacted the FTC and was told that they dont deal with private student loans. Next, I was directed to contact XXXX XXXX XXXX XXXX and to submit a complaint regarding the misconduct of the XXXX XXXX. 

However, on or about XX/XX/year>, my daughter and I, received a letter from Chief Operator, XXXX XXXX XXXX XXXX stating that the XXXX Department of Education has determined that the federal student loan received for attending the XXXX XXXX are eligible for a full discharge and that we do not have to make any more payments, It was determined that the XXXX XXXX made pervasive and widespread misrepresentations. As a result of such misrepresentations, the federal loan was forgiven and XXXX. 

I am a co-signor on a private student loan with XXXX XXXX XXXX and am seeking relief from this loan due to XXXX XXXX misconduct. During the recruiting process, I was not made aware that I was co-signing for a private loan but was told that additional monies was needed in order for my daughter to attend the school. I was under the impression that the money borrowed was under federal aid. The laws under private student loans are not the same and there is no sought of relief. 

I have tried on many occasions to discuss lowering payments and or change the payment due date in order to keep up with payments and was told that I would have to be current in order to make any changes and forbearance options were no longer available but continued making payments according to my pay schedule. The monthly payments are unaffordable and continue to change. The interest rate is very high. I have made many payments toward the loan and can not get any time of relief from the lender. 

On XX/XX/year>, after not being able to make a payment, I contacted AES ( Loan Servicer ) to find out why I could not make payment and to check on the status of my request for relief and was told that the loan charged off was taken by Gold Structure Solutions, a Guarantor who is now servicing the loan. When I contacted Gold Structure Solutions on XX/XX/year>, I was told that they have no information to provide. I am not sure who is now servicing the loan. 

On XX/XX/year>, I was contacted by a collection agency, XXXX XXXX to collect money due on the private loan, I am seeking relief from the private student loan with XXXX XXXX XXXX based on their misconduct or any other remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # : XXXX  date opened XX/XX/XXXX bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I file disputes, Due to wrong and unverified information. I was a victim of a data breach and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I file disputes, Due to wrong and unverified information. I was a victim of a data breach and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation