vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am filing a complaint with the TRANSUNION regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts 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 2024-11-19 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-11-19 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: LA

Complaint narrative:
I have been a victim of identity theft and I will like for these inquiries be removed on my equifax the inquiry are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have sent a identity theft report and equifax did remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
Discovering that I've been a victim of identity theft has been deeply upsetting. Someone used my personal information without permission, opening accounts and conducting activities that I had no part in, all of which appeared on my credit report. Realizing how serious the situation was, I acted immediately. I reached out to Equifax, and they advised me to report the incident to the Federal Trade Commission ( FTC ), which I did right away. Despite all these steps, the false entries are still on my report, leaving me frustrated and worried about the potential damage to my credit and overall financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
I attempted to receive a lien release and digital title from lightstream/truist bank XXXX weeks ago ( end of XXXX ), truist will not help at all and only refers me back to lightstream, and light stream only tells me they are waiting on truist. The note was paid in full in XX/XX/year>. I just want the lien released and the digital title sent to my county treasurer so I can sell the vehicle.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received an email stating my contact number had changed on my Avant account. Within a couple of hours of receiving that email I replied back that I did not change any info. and called them soon after to confirm verbally I didn't request a change. I was told that a fraud report was started and would take XXXX business days. FYI my statement balance was {$0.00}. 
Then on XXXX XXXX, 2024 I signed into my account and saw my address had been changed to a XXXX, NY address. I sent a screenshot of that address to Avant and said why have you changed my address as I did not ask for that to happen and quickly called them as well, stating as such. I was assured they were working on the fraud report and nothing else could occur on the account. 
That same day, this is the email I was sent, " We apologize that you havent received your XXXX yet. The card was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. If this address is incorrect, please respond with your new address. After we receive your corrected address, we will update your address on file and reissue you a new card. However, if we sent the card to the correct address, we recommend waiting for XXXX business days since the card was issued before another reissue request. If you still haven't received your card after XXXX business days, please let us know and we will attempt to reissue a card for you. '' I sent them an email giving them the correct email address and spoke with them again as they assured me no changes to the account would occur while conducting the fraud report. My balance was still {$0.00}. 
I then called back again on and around the XXXX of XXXX asking for a status on the fraud report and was told it would take another XXXX business days. I then asked what my balance was as obviously I'm not trusting them in anything they've said. My balance was {$0.00}. 
When I did not receive a call back on the XXXX of XXXX like I should have I called yesterday, XX/XX/XXXX about getting a status update on the fraud report. I was then told there was no status and now my account balance was {$3400.00}. I'm obviously livid and told them multiple times that they are 100 % in the wrong here. 
I have every email communication with them saved and even sent to them yesterday so they can match with recorded calls. I am consulting with a consumer law attorney and if I do not have this issue resolved with written confirmation in XXXX hours, I'll be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On Monday, XX/XX/year>, at approximately XXXX XXXX XXXX I logged into the AMEX XXXX XXXX app. I saw an offer to upgrade from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also presented with an offer to earn {$150.00} cash back if I spend {$1000.00} in the first XXXX months After upgrading. The offer stated my account number won't change. I submitted an application. I was approved instantly at approximately XXXX XXXX XXXX and the app showed a message that my application was approved. After being approved, at approximately XXXX XXXX XXXX  I made a purchase for {$190.00} at merchant XXXX XXXX, which is a grocery store. As of now, XXXXXXXX XXXX XXXXT on XX/XX/XXXX, my online account does not show my upgraded card and AMEX chat agents say they can not confirm my upgrade. AMEX induced me to upgrade my card, provided immediate approval, and did not state there would be any delay time for my upgraded card to be activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Lendmark Financial Services
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-19 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: CL Holdings LLC
State: TX

Complaint narrative:
I do not believe that this debt has been validated and is incorrect. I have never been contacted about this but it is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
In XX/XX/2024 a collection trade line was placed on my Consumer credit reports by Transworld Systems INC on behalf of XXXX XXXX. I contacted the creditor and told them that while I attempted to open a cellular account with XXXX  XXXX  the previous year, no service was ever established due to XXXX  XXXX  XXXX card not being compatible with my cell phone. I disputed the debt with Transworld Systems INC and the dispute still has not been processed nearly 120  days after the dispute was placed. Ive also attempted to contact XXXX XXXX  with no success there either. As you are aware, in accordance with the Fair Debt collection act, an alleged debt must be verified within 30 days from the debt of dispute. This debt isnt even valid so no service with XXXX was ever established. I DEMAND TRANSWORLD SYSTEMS INC AND XXXX XXXX DELETE THIS COLLECTION TRADELINE FROM MY CONSUMER CREDIT FILES IMMEDIATELY AND FURTHER DEMAND CFPB PROTECT MY CONSUMER RIGHTS AS REQUIRED BY FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
These inquiries are unauthorized and I am a victim of identity theft. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2024-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was told that a fee that was charged by the prior home equity loan company would be paid by Discover home loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX  my Citibank account was closed due to suspicious activity. I was using my account more than normal. They didnt explain anything. They just closed my account and didnt issue my remaining funds. I had over $ XXXX in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXX {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
G M FINANCIAL IS Currently reporting a charge off, collection and transfer on a profit loss ATTACHED TO MY PERSONAL INFORMATION. Account # XXXX I have not received a 1099c of such kind. This is IRS FRAUD. 

My rights has been violated. 
2.15 USC 168 ( 1b ) An AUTHORIZED Permissible purpose from the consumer ***VIOLATION OF 15 USC 168 ( 1b ) YOU NEVER GRANTED PERMISSION TO PHYSICALLY REPORT INACCURATE INFORMATION ON YOUR CREDIT REPORTS. 
3.18 USC 1028 ( a ) -AGGRAVATED IDENTITY THEFT *** WHOEVER KNOWINGLY TRANSFER, POSESS OR USE OF A PERSON 'S INFORMATION WITHOUT LAWFUL AUTHORITY A MEANS OF ANOTHER PERSON 'S IDENTIFICATION SHALL BE SENTENCED FOR XXXX YEARS. 

Also Im requesting a copy of the 1099 c cancellation of debt reported to the IRS or this will be reported. I will seek further actions for damages To my credit reports. History and scores attached to my name Social and birthdate. 

If I dont recieve a satisfactory resolution within the timeframe allowed I will report this issue to the IRS along with all supporting documents. 

Your prompt attention is essential to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I was completely taken aback when I discovered inaccurate accounts on my credit report this morning. I check it regularly, but today, for some reason, there were discrepancies that I couldnt explain. This has left me frustrated and worried, and Im requesting that the documents Ive sent be carefully reviewed to prevent such an issue from recurring.

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