vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
This company has confusing and misleading advertising. 

On their website, it clearly says that checking eligibility will not affect credit score and not leave a hard inquiry. 

I applied a total of 4 times and it would say I am approved for a line of credit, then I wasnt, then I was approved and once more I wasnt. 


I never received any money or a line of credit from this company. They still left a hard inquiry and it removed XXXX points off my credit score. 

This is false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. Chapter 13 Bankruptcy # XXXX, has violated my rights 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 XXXX681c. ( 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 1681 c. ( 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. XXXX5 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 2023-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # XXXX, has violated my rights 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 1681 c. ( 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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Keep calling someone else on a debt that is not listed on the debt collection.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In XX/XX/XXXX XXXX  I approached a XXXX dealership in XXXX California with a preapproval letter from XXXX XXXX XXXX XXXX I put a XXXXXXXX XXXX  from them through an XXXX XXXX however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XXXX  I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have already file a report with identitytheif.gov and will with the police

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
I've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
A stranger made fraudulent purchases of approximately {$2500.00} on one of my XXXX XXXX credit cards issued by Citibank. 

The perpetrator has been found, and charged with felony credit card fraud : However, Citibank has refused to reimburse the card. This has been extremely stressful over the past couple of months. 

The credit card issuer credited my account after filing the dispute : However, the {$2500.00} in charges just appeared again on my credit card statement, and I subsequently received an e-letter stating that the investigation is complete, and I am now responsible for all of the charges -- No explanation. 

Moreover, they further stated in the letter that if I failed to make payments on the fraudulent chargers, they would report it to the credit bureaus. This is particularly disturbing as I currently have a credit score of XXXX ( Exceptional ) -- Based on a perfect payment history. Consequently, I have no choice but to continue to pay on the fraudulent charges. 

The investigative department of the credit card issuer has been very deceitful. Currently, I am weighing my legal options.

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 monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint narrative:
XXXX XXXX from XXXX XXXX Fl Frontline Assest Strategies told me the request to report a XXXX balance was submitted to XXXX Credit Bureau on XX/XX/, however upon contacting XXXX Supervisory Department it has not been submitted nor received as submitted. I kindly called the collection agency to get this matter resolved so that I could report to the XXXX and close the complaint. I gave XXXX the information given to me by the XXXX supervisor to contact them thru the client email andXXXX phone # given to Frontline which he refused. This has been an open dispute with Frontline for over 9 months and to resolve it only takes an email or phone call, Frontline is continuing a request to collect a debt that has already been paid and closed and refuses to contact the credit reporting agency to report the debt as XXXX balance and refuses to give me a copy of the letter showing the account is paid and closed. Therefore, continues to harass me with phone calls, emails and letters from the collection company Frontline AS. I like as a resolution request have Frontline contact XXXX via phone call or email with the document verifying the account is closed with XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX about reporting a collection inaccurately which is against the law as well as reporting a late payment. 15 usc 166b, section 1637b, 15 usc 1681b, All of my reports with the 3 bureaus are inaccurate and i have asked for proof as to how they verified in violation of FCRA AND FDCPA, FCRA 622 a7

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 2023-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX about reporting a collection inaccurately which is against the law as well as reporting a late payment. 15 usc 166b, section 1637b, 15 usc 1681b, All of my reports with the 3 bureaus are inaccurate and i have asked for proof as to how they verified in violation of FCRA AND FDCPA, FCRA 622 a7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My debit card was stolen around XX/XX/XXXX and I had multiple fraudulent charges that day. I let USAA know that the charges were fraudulent, they temporarily refunded me and conducted an investigation. I reported my card stolen and ordered a new one. They rejected my claim, saying there were no signs of account take over. I called and submitted another request for review ( an agent told me I needed to include the information my card was stolen ), and then it was rejected immediately ( within a day ). 

The charges are as follows : XXXX XXXX, {$9.00} XXXX XXXX XXXX, {$34.00} XXXX XXXX, {$75.00} XXXX {$76.00} XXXXXXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX, {$93.00} These charges are not mine and I am frustrated at how little help USAA has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
The Money Source reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on The Money Source 's own ledger ( attached ) and my bank statements ( attached ). I reached out to the Money Source on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with XXXX and received notification that The Money Source had verified the information as being reported correctly. The late payment is still reflected on XXXX report and both XXXX and The Money Source refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Since the fusion betweent Investors bank and Citizens bank im waiting to receive the new citizens bank debit card, trough the app is impossible to request a new card, and also is impossible to reach someone by chat, secure message or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: PA

Complaint narrative:
My personal information such as name and address are all incorrect.

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 2023-06-01 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: PA

Complaint narrative:
My personal information such as name and address are all incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
The 10 years on my bankruptcy occurred in XXXX 2023. The credit score on my Equifax account generated by Vantage has not been adjusted or changed to show the bankruptcy removal. There is a statement of the Equifax website that reads that my score is impacted by a bankruptcy and recent delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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 2023-06-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CARD Corporation
State: CA

Complaint narrative:
Account was frozen due to complaint about funds being held, I was told to send them a copy of my social security card, my driver 's license and a copy over a fax line, I explained that this made me uncomfortable and it was not secure, I told them I could verify through XXXX. or another secure means, this company has held my money over a year, with no resolution after several attempts, the company has processed me through the XXXX and no communication available is the United states, the personal have been rediculaess to communicate with, as they laughed about holding funds

Company response to consumer: Closed with explanation