vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Hello On XXXX I have received a latter from a debt collector Source Receivables Management out of XXXX XXXX XXXX regarding collection of amount of {$59000.00} for an apartment lease in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). No lease term specified but I never lived, never traveled to XXXX XXXXXXXX XXXX  and never applied and never signed any apartment rental applications, being a homeowner since XXXX and living in my house all the time in a state far away from California. 
I believe debt and collection is result of Identity Theft and Fraudulent Activity. A police report has been already filed on XX/XX/XXXX at my local Police Department and case is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
The account is past the XXXX years that it's to be reported. I reached out to Equifax and they did an investigation and it shows on annual credit report.com as well as the Equifax website that the account XXXX delinquency is XX/XX/2017 and that the account is closed. However, Equifax states this information isn't correct in their system. They are disputing what it shows on their website as well as XXXX I would like Equifax to remove these accounts for there are multiple that are closed and past the XXXX yr mark. Equifax is constantly stating these accounts aren't closed. This is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: CO

Complaint narrative:
I had all XXXX XXXX loans, approximately {$120000.00}. In XXXX I applied for borrowers defense due to issues at XXXX XXXX. during Covid, my loans were in forbearance, but at the end of XXXX I was offered a great interest rate through Laurel Road to refinance and XXXX  loan payments were going to restart XX/XX/XXXX. At that time, Laurel Road did not disclose that I would lose all federal benefits, including borrowers defense. earlier this year, my application for borrowers defense was approved, XXXX years later. If I would have kept the federal loans and the higher interest rate, I would not owe anything at this time. However, I currently owe {$84000.00} through Laurel Road XXXX, and they are stating, they are not willing to work with me on this issue since I waived all of those rights. I feel like I was taking advantage of, and didnt realize I would lose those rights. They also have failed to provide me any documentation stating they informed me of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am a credit card holder with Ulta who uses Commenity Capital Bank. They are reporting late payments to my credit report XX/XX/XXXX, XXXX and XX/XX/XXXX, and late payment every month from XX/XX/XXXX through XX/XX/XXXX. I do not remember making these payments late, but I do know fees were charged and all paid. My balance now remains paid off. 

On XX/XX/XXXX, when I called the Commenity phone number on the back of my ULTA card ( XXXX ) the customer service rep told me he doesn't see any late payments and can only go back to XXXX year of payment history, and to call the general Commenity customer service line at XXXX. 

On XX/XX/XXXX when I called XXXX they he first told me he could not see past a year of history, then told me he could confirm that he see 's a late payment for XX/XX/XXXX, but can not access it. He told me he doesn't see any late payments in XXXX AT ALL. When I told him they were not valid and asked for them to be removed he was supposed to get a supervisor and then the line dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase 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 2024-08-29 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after XXXX days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continues to violate my rights and the Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I paid someone to sit on the PHONE for 2 hours waiting for a person to answer the phone from EQUIFAX. I was not able to freeze my account at EQUIFAX from the EQUIFAX website. Once a person from EQUIFAX answered the phone, they said ( THEY ) would FREEZE my account. There was nothing stopping it from being frozen!!! When I asked the person from Equifax how I could re-freeze my account from the website, he refused to tell me, then very courteously hung up on me. Well after XXXX and XXXX hours of work I finally got my EQUIFAX re-frozen. Way too much hassle. The 3 agencies need to be eliminated and combined into one agency with much better website operation and security and better customer service. No wonder so many peoples personal info gets stolen!!! The GOVERNMENT needs to fix this. XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX AND XXXX opened on XX/XX/XXXX with {$2300.00} as closed balanceXXXX XXXX XXXX opened XX/XX/XXXX with {$12000.00} as closed balance, XXXX XXXX  opened on XX/XX/XXXX with {$8500.00} as closed balance, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX {$12000.00} as closed balance, XXXX BANK XXXX opened XX/XX/XXXX XXXX {$5900.00} XXXX closed balance, XXXX XXXX XXXX with original creditor XXXX XXXX XXXX Bank as collection with {$900.00} XXXX closed balance, XXXX XXXX opened XX/XX/XXXX with {$900.00} as XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX with {$3200.00} XXXX XXXX XXXX and an Auto-Loan with XXXX XXXX  XXXX XXXX with {$86000.00} as closed balance XXXX 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-29 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: GA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX I open a high yield savings with capital one. I put in a {$100.00} to start the account on XX/XX/XXXX. On XX/XX/XXXX I put in XXXX from my existing savings account. Once receiving my student loan money I put in an additional XXXX on XXXX. I was given notice on XX/XX/XXXX that my account was frozen. I called to infer and wasnt given an answer but was told that they will be ending the banking relationship. However they have no timeline on receiving access of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE FRAUDULENT INFORMATION LISTED BELOW IS SHOWING ON MY CREDIT FILE BUT IS NOT MINE. 


ACCOUNTS XXXX XXXX US BANK XXXX XXXX US BANK

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 2024-08-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX closed my account, during XXXX, and at the time when I was attempting to make payments. Account was, subsequently, closed as written off, but now I am being sued by a collection agency, XXXX, for a balance, which is more than what I owed Mercury at the time. I take issue with this practice because I did not authorize XXXX to share and/or sell my information, especially, since they have already been paid for this debt as a write-off. Please erase this debt and remove this item from my credit, as well as show paid in full.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
{$32.00} was debited by Goldman Sachs on XX/XX/year> on a XXXX balance Apple Card. I inquired about it via chat and was told it was due to charging me for rewards related to a ~ {$3200.00} credit I received for a return. The person I chatted credited the {$32.00} on XX/XX/year>. 

I was then debited again by Goldman Sachs for {$65.00} on XX/XX/year> ( double the amount of the amount billed on XX/XX/year> ). 

I emailed Goldman Sachs on XX/XX/year> to find out what this was for and received an automated confirmation of the request but no response addressing issue. I engaged Goldman Sachs via chat between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and was advised a supervisor would call be back. Received a call back voice mail message on XXXX/XXXX/204. I called back between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and got transferred multiple times, eventually spoke to a supervisor who said the {$32.00} credited on XX/XX/year>, should not have been done and was not willing to credit or own up to double debiting me on a XXXX balance. 

This debiting, crediting, then double debiting of a XXXX balance card for rewards is convoluted and not transparent. I notified Goldman Sachs via email, chat and telephone that I will report this lack of rewards debiting transparency to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I do not recognize these inquiries and have no connection to the mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
These hard inquiries are NOT mine, and I do NOT benefit from them in any way. This needs to be corrected 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 2024-08-29 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: AL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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