vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am in the mist of getting my credit in line so i can move my family into our first home, but when looking at my report i have multiple name addresses and social security numbers that are not mines, i have reach out to all 3 credit bureaus and giving them my full name XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX my job history should not be on there nor my social security for privacy reasons. please help rectify this matter and fix this ASAP!!! i request to get my personal information updated in XX/XX/scrub>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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: SC

Complaint narrative:
They will call multiple times from at least maybe 3 different # 's and then they do skip tracing and call folks that they think may be related. They have called my ex sister in laws parents. Why?! 
That needs to be against the law. As well as an invasion of MY privacy. 

They will call from XXXX back to back and if I don't answer they they will call from an all XXXX 's # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: AL

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

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account was setup fraudelenly. After comtacting progree the original company that supposedly I owe. I was informed this account is from XXXX well beyond the 7 year reporting period either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please review my report. I notice the creditors are not cooperating with the requests I need for inaccurate items on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Between XXXX and XX/XX/year> I have applied three times for a XXXX card that is provided via Synchrony Bank XXXX The first application no reason was given. The second they claimed, eventually, they could not verify my identity even though they had my full name, XXXX, XXXX, full address I have lived at for over 18 years, my income, etc. More information than required to open any bank account anywhere. I even saw their credit checks on my monitoring account. The third and last time, XX/XX/year>, I went into the store with my drivers license, ssn card, birth certificate, XXXX  XXXX XXXX, CCW card, printed bills such as water and electric for my home, etc. It was still rejected with no reason. My credit rating is well in excess of XXXX. I have XXXX debt other than my rotating CC signature card I use for all purchases and pay off every month. I have never missed a bill. I have no complaints on my record. I qualify security back ground checks. Etc. Etc. I only wanted this card for a large purchase to get 20 % off initially and then the 5 % ongoing versus my 1 % on my signature card. I have been using the Lowes near me for over 18 years and spent XXXX of dollars there. Their association with this " bank '' has forced me to cease my interactions with them and will be going elsewhere as much as that pains me. I will also be avoiding any business that makes use of Synchrony because I find them purely untrustworthy.

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 2024-06-25 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: FL

Complaint narrative:
Subject : Dispute of Incorrect Late Payment on Account # XXXX Dear TransUnion, I am writing to dispute an item on my credit report associated with the account number XXXX, which is reported by XXXX XXXX. I have reviewed my credit report and found that this account was never late on payments in XX/XX/year>, contrary to what is indicated on the report. 

I request that you investigate this matter and remove the incorrect late payment information from my credit report. I have Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a response within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2023 I sent XXXX XXXX a negotiable instrument paying debt off using stamp Duty Act. I was then sent about a week or two later a letter saying that I violated there policy so for this reason my card was being closed. Not because of non payment but because I am a Secured party that knows that they are double dipping into my XXXX XXXX XXXX XXXX  XXXX. They have violated my rights and now its being reported to my credit each month along with fees. I gave them a chance to rectify this ordeal but they have not. Ive been a cardholder almost 20 years and its saddening to know that because I know what is going on behind the scene Im being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Something appears to be going on with my credit and identity. Experian, one of the many place that keep this information, has been abhorrently difficult to deal with. While their " customer service '' has been " kind '' end of day I cant get anywhere. Their login constantly spews " oops, were sorry '' error messages, which I plan to attach a screenshot, and calling the number listed ends in constant round about of automated and useless BS. These people have wrong info about me, they are probably now causing problems for me even though I have impeccable credit throughout my life, no debt, etc.

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 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-25 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: MS

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-25 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: AL

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TN

Complaint narrative:
ispute Reason : Violation of My Rights Under 15 USC 1692g I received an email from your company onXXXX and the very next day XXXX, you placed this item on my credit report without giving me a chance to respond, which is a violation of my rights. According to 15 USC 1692g 809 ( b ), I am well within my rights to request this information. The statute states : ( a ) Notice of Debt ; Contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Violation : Your agency did not send me a letter informing me of the debt. According to the statute, I have the right to a 30-day notice period which begins the day I become aware of the debt, in this case, the day I saw it on 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I became unemployed and I had all the add-on 's added to my loan when taken out as I thought it was the only way to get approved. I was paying my loan installments and I ended up getting into a car accident. The Branch Manager ( XXXX at the XXXX XXXX ) did not inform me that I to file a claim for the deductible and when I went to pick up vehicle, I ended up paying additional monies to keep the rental for another week to allow me time to come up with the monies for the deductible. The manager was very nasty and unprofessional when I contacted him to inquire why he failed to provide me with information that instrumental. My loan was then transferred to another branch without being notified. The second branch has been even worse threatening me with repossession on 2 different occasions. They have charged fees even after I asked that the payment not be processed. The manager stated that I would not have to pay a stop payment fee but as you see, I did in fact have to pay a fee. I have asked that my loan be transferred to customer service, but the Branch manager has refused to transfer the loan. Customer service is now telling me they can not help me either. After XXXX weeks, Corporate sent an email that I have attached and after reaching out on 2 different occasions, I refuse to waste time trying to reach a live person as it has been impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-25 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:
XX/XX/year> XXXX  XXXX hard inquiry on my credit report without my knowledge remove immediately. 


XX/XX/year> XXXX XXXX open credit card with hard inquiry from the credit card, on my credit report without my knowledge I would like to get the account removed off my credit report and the hard inquiry removed immediately. 

UNDER 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: SC

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 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: SC

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 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Subject : Unjustified Blocking of My Checking Account I am writing to express my concern regarding the unexpected blocking of my checking account. On XX/XX/24, after attempting to transfer {$10000.00} to my checking account at XXXX  XXXX XXXX, my account was blocked without any prior notification. I have verified the account with the Citibank 's inbuilt login system for XXXX  XXXX XXXX I have since contacted Citibank 's fraud department multiple times, verified my identity, and successfully answered all security questions. Despite these efforts, my access to the account remains blocked, and I have not been provided with a clear timeline for the resolution of this issue. 

This situation is causing significant inconvenience, and I urgently request a prompt resolution to restore access to my account. Please provide me with an update on the status of the block and an estimated timeframe for its removal. 

Thank you for your immediate attention to this matter. 

Sincerely, 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