vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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:
There is an account ( XXXX XXXX XXXX ) with inaccurate information that needs to be deleted from my Credit Report. Experian has not deleted this Account from my credit report and is publishing inaccurate data on the 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 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MD

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX, and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance : {$4100.00}

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
IN XXXX I ASKED XXXX AND XXXX BANK FOR A {$11000.00} LOAN AND THEY DENIED THIS LOAN AND THEN SENT ME A {$1000.00} CRDIT LIMIT I NEVER ASKED FOR THIS WAS PREDATORY LENDING, AND FAIR CREDIT DISPUTE FOR A LOW INCOME RETIED GOVERNMENT WORKER, AND XXXX. 
I DISPUTE THIS CREDIT I USED THE CARD BUT IN XXXX TO PRESEMT I TRIED TO USE XXXX AND XXXX AND THEY TOOK FUNDS FROM ME I DID NOT GIVE THEM PERMISSION TO TAKE WHICH COST ME AT LEAST {$1000.00} FROM XXXX TO PRESENT M AND T BANK WOULD NOT DISPUTE THIS AND WOULD KEEP ASKING ME EVERYDAY ALL DAY HOW MUCH FUNDS DO YOU HAVE AND WITH NO DISRESPECT BUT THIS IS BEGGING AND I HAVE A LOW INCOME AND GOVERMENT BENEFITS AND WITH NO DISRESPECT M AND T BAN IS TRYING TO MAKE ME PRACTICE HOMOSEXUALITY TO DO BUSINESS WITH THEM FOR THE HAVE A XXXX PERCENT LGBT. 
I ALSO ONLY DO BUSINESS BY EMAILING AND CALLING XXXX AND XXXX BANK BUT THEY KEEP TELLING ME TO TO COME IN AND I HAVE XXXX AND THEY DO NOT LIKE ME WITH MY XXXX AND FIGHTING FOR THIS NATION FOR RIGHTS THEY SHOULD NOT HAVE A PERSON COME IN AND WE CAN SETTLE THIS DISPUTE BY EMAIL I WANT THIS CREDIT DISPUTE WAIVED AND OF {$1000.00} ALSO AND TO BE RESPECTED ALSO XXXX XXXX XXXX  BANK WONT ALLOW ME TO ACCESS MY CHECKING ACCOUNTS BECAUSE I FILED COMPLAINTS ABOUT THIS DISPUTE AND I CAN NOT ACCESS MY FUNDS AND MY RENT IS DO THE FIRST AND THEY AND THEY ARE USING ME TO MAKE A POLITICAL MOVE SO THEY CN DO THIS TO EVERY PERSON IN XXXX THEY CLOSED MY ACCOUNT BECAUSE I WOULD NOT SPEND ANY FUNDS I WANT IMMEDIATELY MY FUNDS ACCESSIBLE AND THEM ALSO TO ALOW A PERSON TO DO BUSINESS WHEN THEY ARE CLOSED SUCH AS XXXX P.M TO XXXX A.M. 
NOW IF XXXX XXXX XXXX BANK DISPUTE XXXX AND XXXX AND TAKES AWAY THE CREDIT DEBT OF {$1000.00} AND ALLOW ME ACCESS TO ALL MY ACCOUNTS THEN THIS DEBT COMPLAINT IS REMEDIED AND NO LITIGATION FROM PETITIONER ALSO THIS DEBT I S MAKING MY CREDIT REPORT FROM XXXX TO XXXX AND I NEVER MISSED A PAYMENT

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 2024-03-23 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: CA

Complaint narrative:
My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.I 'm a victim of identity Theft. 

XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$270.00}

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 2024-03-23 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: CA

Complaint narrative:
My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.I 'm a victim of identity Theft. 

XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. Please delete this 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 2024-03-23 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: VA

Complaint narrative:
This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on Transunion its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : 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 2024-03-23 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: VA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/year> ) an on XXXX its ( XX/XX/year> ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: NV

Complaint narrative:
I have tried to get I. Touch with someone to help me get this information off my credit report and out of fSYNOVUS BANK / FIRST DIGITAL CREDIT CARD database and nobody would assist me because I could not confirm the account information. I came back from my XXXX, as I am XXXX XXXX  and found this company as well as several others on my credit report at the time I went to refinance my home and they advised me I had recent adverse information and it didnt make any sense due to me not being here. Long and behold I have multiple fraudulent addresses as well as phone numbers and accounts opened in my name and some on my credit report and some not. I have never opened or authorized anyone to open a first premier account at all. And I would appreciate this company promptly resolve this and remove me off of their database and off of my credit report. They are the only company that has still not done so. And this is my last resort before I am forced to take legal action as this is my life and well being on the line. I fight for this country I do not need to come home and fight for my livelihood also because a fraud account was allowed to open in my name. Remove me from your system and off my credit report. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
I received a XXXX loan from One Main Financial, they had me sign up with other option, Insurance, if I cant pay that insurance will cover me till i can get back on my feet and start working. When I ask about it, they said I did not qualify to use it because i did not fall under thguide line. The end up repo my car because it was a title loan and my car is not worth XXXX, my car was a XXXX XXXX XXXX truck, XXXX mile on it. So when they sold it, my truck was only worth XXXX, and I received a letter stating i owe XXXX still

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-23 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:
Re : TransUnion Report Number # XXXX XXXX XXXX XXXX XXXX XXXX Acct # Ending XXXX I was not 30 days late in XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX  ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX TRANS UNION XXXX ( XXXX ). 

I look forward to your response in advance.

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 2024-03-23 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Please look into this. This company has violated the law and violated my rights of privacy. This is fraud and Im gon na call the FTC on them you got your money what more do you want? I have the right to my privacy. You can not disclose my late payments go look up the law. I will be putting this account in with my. FCRA Violation Attorney I dont owe you anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NV

Complaint narrative:
My identity was stolen in XX/XX/2023 and 6 fraudulent inquiries were placed on my Equifax credit report. These fraudulent inquiries are negatively impacting my credit score and credit profile. After filing an FTC Identity Theft report and working with an identity resolution specialist, I submitted the FTC report and dispute to Equifax. Equifax failed to remove the fraudulent inquiries and stated the result of their investigation was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: MN

Complaint narrative:
This will be the third time I am formally filing a complaint against XXXX XXXX. I have informed them countless times that the account was opened and used fraudulently. Furthermore, I requested for them to remove the account from my credit report. It was removed for a time period then added again. I have filed a police report and identity theft report stating this. I have submitted from XXXX and can also be verified by XXXX XXXX and third party companies that my information has been STOLEN in a BREACH. This includes my physical address, email address, phone number, and social security number. This is the ONLY company who has REFUSED to remove their account and continues to target victims. I will continue to file complaints every single time they refuse to remove it and I REFUSE to pay a dime for an account that does not rightfully belong to me. I do not care if we have to do this for the 7 years that it will have to be removed anyway.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was not 30 days late in XX/XX/XXXX with XXXX XXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I look forward to your response in advance.

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 2024-03-23 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: LA

Complaint narrative:
I send out letter for the 3 bureaus last month it's been 30 days I didnt recieved any response for the bureaus since it's been 30 days I demand to delete the following accounts and inquiries listed below : Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$500.00} Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX # XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXL Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : $ XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I will attached the letters I send out last month together with the id and proof od residency also I file ftc report for the fraudulents accounts and unahutorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: MA

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, Im unable to dispute this account online. This account has maliciously caused my credit report to go from Good to fair just by me trying to dispute this. They keep refreshing this making my credit report bad OK and Im not going for this at all I will get a lawyer and we can handle this in court. My credit report just dropped XXXX points because they keep putting 120 days past due that is not true that is messing my credit up emblem 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 2024-03-23 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: MD

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 explanation
Consumer complaint received 2024-03-23 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:
The ethos of 15 USC 6802 ( b ) ( c ) stipulates that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation