vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WAFD BANK
State: AZ

Complaint narrative:
On XX/XX/year>, I opened a checking account with XXXX cashiers check of {$9000.00} to use toward finding a place to buy. THIS BANK TELLER WANTED TO BELIEVE XXXX WOULD NOT HONOR THE CASHIER CHECK! I almost had a XXXX XXXX because my money wasn't in my account. XXXX XXXX XXXX XXXX. I'm not kidding. SOCIAL SECURITY had a breach and my name was breached. So I called my banks and credit reporting company and I put a fruad alert on MY accounts, I TOLD HER THAT! Also I had been looking for a job and gave all my personal information and my signature to a man I thought was legit. I became suspicious and I did a factor reset to scrub my phone. I called XXXX told them the man had my signature, name, address and social security number... XXXX SAID IT HAPPENS ALL THE TIME... IT WAS THE FIRST TIME I HAD HEARD OF IT AND IT CAUSED ME GREAT EMOTIONAL STRESS ... I was doing some reach on this man and found out he was using a legit company in XXXX for his scam..I really became so unhinged and scared it caused ME a lot anguish And stressed out ... the bank teller saw the fruad I PUT ON MY ACCOUNT AND FROM THAT POINT ON SHE DIDNT HEAR ONE WORD I SAID. I told this young bank teller I PUT THE FRUAD ALERT ON TO PROTECT MY INFO. THERE IS NOTHING ELSE I COULD DO TO PREVENT THIS MAN FROM MY INFO. I GOT XXXX MONTHLY SECURITY ALERTS FOR XXXX  A MONTH ... I HAD NO PEACE, BECAUSE IF THIS MAN WAS ABLE TO TAKE MY LITTLE BIT OF MONEY I WOULD BE DEAD... SHE NEVER ONCE TOLD ME SHE WAS PUTTING A HOLD ON MY FUNDS OR I WOULD OF GOT UP SO FAST, BECAUSE I WOULD OF FOUND A MORE MATURE PROFESSIONALLY SKILLED BANK TELLER WHO DIDNT HAVE A OVER ACTIVE IMAGINATION. I CANT DEAL WITH THIS STRESS. I CANT. I TOLD HER 3 TIMES I WOULD NEED THE FUNDS IN THIS COMING WEEK. SO ITS BEEN ON HOLD AND THIS PLACE I WANTED HAD SOLD OVER THE WEEKEND. My funds are still on hold ... SHE'S YOUNG AND CONTROLLING BUT SHE LIED STRAIGHT TO MY FACE... AND MADE IT SOUND LIKE NOTHING, UNTIL I HAD THE SHOCK OF MY LIFE THINKING MY FUNDS WAS STOLEN. I DONT NEED THIS... SHE IS YOUNG AND SHE HAS NO IDEA HOW HER LYING HAS CAUSED ME SO MUCH STRESS. IF SHE WOULD OF BEEN HONEST WITH ME I WOULD TOOK MY CHECK AND LEFT, SHE KNEW THAT SO SHE DIDNT TELL ME. SHE IS SUCH A LIAR. SHE HAS NO RIGHT TO DECIEVE ME OR TAKE CONTROL OVER MY MONEY AND MY DECISION WHERE TO BANK. SHE IS SO DECIEVEFUL AND STARTED GIVING ME SO MANY EXCUSES TO INSTEAD OF APOLOGING. WHICH IT DIDNT MATTER, MY STRESS LEVEL WENT WAY UP BECAUSE OF THE WAY SHE HANDLE THIS...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
My information was involved in a data breach which exposed very vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My information was involved in a data breach which exposed very vital information.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-31 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: 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 USC 168XXXX. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : syncb/amazon # XXXX Account name : XXXX XXXXXXXX # XXXX has violated my rights. 
I looked at Trans union credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Halsted Financial Services, LLC.
State: AK

Complaint narrative:
Credit companies are reporting in accurate information on my credit report, such as XXXX  XXXX and other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-31 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: GA

Complaint narrative:
Information is was leaked in data breach and identity theft was commited

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 2024-12-31 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX NJ XX/XX/1981 XXXX LVNV Funding LLC XXXX, SC XXXX RE : Account Number : XXXX Amount : {$790.00} Dear Sir/Madam, I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and XXXX regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States XXXX XXXX. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute a fraudulent account/transaction with XXXX XXXX XXXX XXXX that appears on my credit report. I believe this matter constitutes identity theft, as I was not responsible for this account or transaction. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting the following : 1. Removal of this fraudulent account/transaction from my credit report. 
2. Documentation of the investigation into this matter. 
3. Immediate cessation of any collection activities related to this account. 

This dispute stems from the fact that in XX/XX/year>, during the timeframe this account/transaction was allegedly initiated, I was in XXXX on XXXX business, as I work for the XXXX. This situation makes it impossible for me to have opened or authorized any account or transaction with XXXX XXXX XXXX XXXX. 

To support my claim, I have enclosed/attached : - A copy of my government travel itinerary or relevant documentation proving my location during the disputed timeframe. 
- A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is properly reviewed and that my rights under federal law are protected. 

I request that you investigate this matter thoroughly and provide a written statement of your findings. Please address this dispute within the required 30-day period. 

Thank you for your immediate attention to this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute a fraudulent account/transaction with XXXX XXXX XXXX XXXX XXXXhat appears on my credit report. I believe this matter constitutes identity theft, as I was not responsible for this account or transaction. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting the following : 1. Removal of this fraudulent account/transaction from my credit report. 
2. Documentation of the investigation into this matter. 
3. Immediate cessation of any collection activities related to this account. 

This dispute stems from the fact that in XX/XX/year>, during the timeframe this account/transaction was allegedly initiated, I was in XXXX on XXXX XXXX, as I work for the XXXX. This situation makes it impossible for me to have opened or authorized any account or transaction with XXXX XXXX XXXX XXXX. 

To support my claim, I have enclosed/attached : - A copy of my government travel itinerary or relevant documentation proving my location during the disputed timeframe. 
- A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is properly reviewed and that my rights under federal law are protected. 

I request that you investigate this matter thoroughly and provide a written statement of your findings. Please address this dispute within the required 30-day period. 

Thank you for your immediate attention to this matter.

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 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX US Department of Education XXXX XXXX XXXX XXXX. Tx XXXXXXXX XXXX XXXX XXXX XXXX Servicers earned substantial servicing fees Please return all of my money due to the of the fraudulent dishonest behavior of the following players XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ) attached a substantial cost of a declined scholarship onto a student loan unbeknowst to me. I declined the scholarship 2. The XXXXpromised job opportunities. The school was not forthcoming, the jobs didnt existent XXXX 3. My loan has been deferred since XXXX then received a Total and Permanent Disability status. 
XXXX, XXXX, XXXX My credit reports state my Loan was XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) allowed illegal collection tactics, seized my childrens Earned Income Credit without a noticing me. 
5. XXXX siezed my mother inheritance with someones false name. 
XXXX 6. A fraudulent XXXX XXXX XXXX was sent from XXXXXXXX XXXX XXXX without my signature. A XXXX loan removes all deferments benefits and other benefits 7. XXXX XXXX, Department of Ed is unable to provide : o an acounting of any of my payments, o A complete loan file with repayment plan, etc. 
o or any other part of my file. 
XXXX 8. NelNet failed to process my doctors signed & competed Total & Permanent XXXX 9XXXX XXXX received my Social Security XXXX XXXX and XXXX XXXXXXXX XXXX 
10. My credit reports clearly state Deferment since XXXX Paid a agreed and interest paid XXXX XXXX 11. The Social Security Admin extracted over {$220.00} from my monthly XXXX check XXXX 12. The Dept of Ed Servicers reported to me, The Student Loan file is non-existant, The servicers have all gone out of business. 
13. The Dept of Ed XXXX reported to me, We dont know who processed your file. 
XXXX XXXX

Company response to consumer: Closed with explanation