vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX  - {$700.00}, {$500.00} XXXX XXXX XXXX {$260.00}, {$6700.00} XXXX - {$150.00} XXXX - {$0.00} XXXX XXXX - {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RENASANT CORPORATION
State: TN

Complaint narrative:
XX/XX/2023 I was contacted by Renasant Bank 's fraud department regarding an attempt on my account via an ATM machine at a XXXX XXXX XXXXXXXX in XXXX, GA. I denied this attempt, as I reside in XXXX, TN. I was working in XXXX and had no way of making that attempt. My card was supposedly frozen and I was to pick up a new card ASAP, but with this all having happened later in the day I had to get this the next day. XX/XX/2023 I was notified once again that an attempt was being made on my account and denied it as well. Somehow the dispute department claims I verified this attempt that amounted up to {$460.00} between multiple withdrawals and charges. I later find while appealing this that it was my OLD card which was used that was supposed to had been flagged and frozen. All of these attempts also were made at the same ATM at the same XXXX XXXX XXXXXXXX yet somehow this all has been tossed to the side evidently. I was not and have never been to XXXX, GA and this loss of money has tremendously made things difficult while dealing with job loss and other difficulties. The bank continues to put this off and refuses to give updates after I have filed a police report and everything else. The police have also been just as worthless in this whole matter.

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 2023-12-06 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: FL

Complaint narrative:
a fraudulently charge was made on my XXXX XXXX i notified them the sent a questionnaire to be filled out and they reversed the charges as well as the late fee but it is being reported on my credit as if I 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
a fraudulently charge was made on my XXXX  card i notified them the sent a questionnaire to be filled out and they reversed the charges as well as the late fee but it is being reported on my credit as if I missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning what appears to be a persistent and concerning pattern of attempts to remove fraudulent items from my credit report. Despite my efforts to rectify this situation, I continue to observe multiple unauthorized removal attempts, raising serious questions about the security and accuracy of my credit file. 

I have noticed several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These actions are not only unauthorized but also pose a significant threat to the accuracy of my credit history. 

Despite the gravity of these removal attempts, I have not been contacted by your agency for proper verification. It is alarming that such impactful changes to my credit report have been initiated without following the necessary security and authentication protocols. 

Given the recurrent nature of these activities, I am deeply concerned about the possibility of ongoing identity theft. I have taken immediate steps to secure my personal information, and I expect a thorough investigation into these matters to prevent any further compromise of my identity. 

I request that you conduct an immediate and comprehensive investigation into these incidents. I also seek regular updates on the progress of the investigation, along with details of any actions taken to address and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 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 2023-12-06 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: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning what appears to be a persistent and concerning pattern of attempts to remove fraudulent items from my credit report. Despite my efforts to rectify this situation, I continue to observe multiple unauthorized removal attempts, raising serious questions about the security and accuracy of my credit file. 

I have noticed several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These actions are not only unauthorized but also pose a significant threat to the accuracy of my credit history. 

Despite the gravity of these removal attempts, I have not been contacted by your agency for proper verification. It is alarming that such impactful changes to my credit report have been initiated without following the necessary security and authentication protocols. 

Given the recurrent nature of these activities, I am deeply concerned about the possibility of ongoing identity theft. I have taken immediate steps to secure my personal information, and I expect a thorough investigation into these matters to prevent any further compromise of my identity. 

I request that you conduct an immediate and comprehensive investigation into these incidents. I also seek regular updates on the progress of the investigation, along with details of any actions taken to address and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After the first complaint that was filed on XX/XX/XXXX ( that is currently closed ), Navient reached out to me right on the XXXX XXXX and everyday thereafter. On Monday, XX/XX/XXXX I was able to call Navient back in response to the first complaint explaining to them for the millionth time that I am in a severe financial crisis facing homelesness and am unable to provide them with any payments until employment is secured. I was told there was nothing they could do and that the lowest payment option was XXXX XXXXXXXX, which I am unable to afford as I can not even afford a basic living essentials at this point in time. I told the male employee to please mark this on my account to stop calling me and I would call them when I secure employment and can give them money. 

Not only have they been calling me daily ever since this said phone call, I received a disturbing and concerning message from a random old high school colleague via social media that I have not spoken to in XXXX years a voicemail from Navient looking for me and stating that they had personal business matters to discuss with me and have been unable to contact or reach me for quite some time with multiple attempts to collect a debt. This person/stranger was concerned that something might be wrong and sent me the voice message and is now aware because of this employee of my personal financial matters. The voicemail was to get her to call them back about me, this is not ok. 

Employee name state on voicemail was XXXX with an employee ID number of XXXX. 

Not only has this increased my XXXX, but it has caused undue and unnecessary added stress to my already ongoing financial circumstances impacting my overall wellbeing. I am deeply concerned that no matter how many conversations or phone calls I have with Navient, the harassment will not stop and I am unsure who else they have reached out about this that they think I am associated with but am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am asking for a investigestion on this account I do not have a contract with this company please have this company sign a contract bearinf my signature LVNV FUNDING LLCXXXXXXXX XXXX XXXX is this account and in accordance to the Fair Credit Reporting Act LVNV FUNDING LLCXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I mailed a certified letter to Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX asking to remove this inaccurate Bankruptcy information that's reporting on my consumer credit report. They have yet to respond or delete this from my credit report! No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Consumer Reports Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining BureauofConsumerFin.Prot., FairCreditReporting ; XXXX ( XXXX ) A consumer reporting company XXXX not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the user has a permissible purpose with respect to the consumer about whom the report is requested. 
A users request to a consumer reporting company for a report about a consumer does not give the consumer reporting company a reason to believe that the user has a permissible purpose to obtain a consumer report about other consumers. 
FCRA section 15 USC 1681b ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under 15 USC 1681b and the purpose is certified in accordance with 15 USC 1681e by a prospective user of the report through a general or specific certification.

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 2023-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting a copy of an opt-out form that allows me to opt out of this item from reporting on my credit profile under Privacy of Consumer Financial Information , 12 CFR Part 1016.

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 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original creditor : 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My credit limit on my US bank credit card was significantly reduced very abruptly I have heard they can do this without peoples knowledge but I clearly feel this is very unnecessary and inappropriate considering I was always on time for years with all my payments except 1or 2 times I paid slightly over the due date and instantly they reduced me all the way down to where it looked as tho I had maxed out my card affecting my score and hindering all the hard work I had built on my credit score I had reached out to Us bank several times asking them to reverse this they said I had to request a credit limit increase which would also add an inquiry this is not a fair practice I warned them if they did not accommodate my request fairly soon I would be closing my other accounts with them I had had for several years as well as rating them very poorly and never returning

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 2023-12-06 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-06 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation