vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: Garrison Investment Group
State: FL

Complaint narrative:
Foundation finance company allow fraud be done in my name from a total different email. I provided 2 police reports for ID theft as well as documentation I never agreed to sign for this loan also a report from XXXX. This company refuse to give me information on a account that is in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: First Help Financial, LLC
State: TX

Complaint narrative:
I specifically told XXXX XXXX that I was pre approved and do not run my credit. The employee then ( unbeknownst to me ) at the time, proceeded to anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I filed a dispute for unauthorized transactions on my debit card, they credited my account for the amount in dispute, then without warning blocked my account, and when I called said it was closed and won't give a reason, I need my balance in the account to pay my bills, they have been holding it for approximately XXXX weeks now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Imagine Credit Card regarding its use and disclosure of my non-public personal information, which I believe constitutes a violation of my privacy rights under 15 U.S.C. 6809 ( 4 ) of the Gramm-Leach-Bliley Act ( GLBA ). As defined by 15 U.S.C. 6809 ( 4 ), non-public personal information includes personally identifiable financial information provided by a consumer to a financial institution in connection with a transaction, service, or otherwise obtained by the financial institution. Imagine Credit Card has reported my transaction historyspecifically, my payment recordsto credit reporting agencies. This disclosure of my transaction history constitutes an unauthorized sharing of my non-public personal information and violates my privacy rights under the GLBA. I did not provide explicit consent for Imagine Credit Card to share such information with third parties, and this action has caused me significant concern regarding my data privacy and security. I respectfully request that the CFPB investigate this matter and hold Imagine Credit Card accountable for any violations of applicable privacy laws. I also seek clarification on my rights under the GLBA concerning the sharing of non-public personal information with credit reporting agencies. Thank you for your attention to this matter. Please feel free to contact me at XXXX for any further information or clarification needed. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing to complaint to EXETER FINANCE LLCXXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section.

151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief
Consumer complaint received 2025-01-08 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: GA

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 XXXX credit reporting agency , 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I responded to the Payday loan company asking them to stop calling cause i paid off the settlement amount i disputed them on My XXXX XXXX account and said this is fraud were is my receipt This XXXX XXXX XXXX was paid they operate in Tax Fraud and Tax Break clearly a law suit here1099c if its a charge off and settlement amount was paid no response still calling me they need to be reported to IRS This company name and they were paid with profit loss they never presented and took a Tax Break they have cost me thousands this is a law suit statutory fraud 2. I had these Medical Bills Applied to my credit report that has been paid off i disputed on my credit report numerous of times they have been paid off they never presented an 1099c the have taken Tax Breaks this is Fraud in the worst way and I plan to take legal actions this company should be reported to the IRS for statutory Tax Fraud and credit reporting fraud and Take Tax Breaks not reporting This XXXX XXXX XXXX have had Multiple things on my credit I disputed them over and over they have Taken big Tax breaks never given 1099c they have taken Tax breaks they have committed statutory fraud they need to be reported to IRS they have cost me thousands and sickness please help me resolve these unjust legal issues so i can pursue a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
Isnt it ironic that the CFPB is suing Experian for the same issues Ive been complaining about? On XXXX XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes and reporting incorrect information, violating the FCRA and Consumer Financial Protection Act. 

Experian conducted sham investigations instead of addressing errors as required by law. I am once again demanding the removal of the alleged late payments from my credit profile. If not resolved, my next step will be small claims court. These accounts remain unverified, and I have certified mail to prove it. Please delete these late payments or provide proper validation, including receipts, and check the statute of limitationsthey are well past it. I DEMAND THAT THESE LATE PAYMENTS BE REMOVED FROM MY XXXX XXXXXXXX ACCOUNTS Account # XXXX and # XXXX. Along with the address XXXX XXXX XXXX XXXX, XXXX, IL XXXX I have never lived at that address.

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 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This morning starting at XXXX XXXX on XX/XX/scrub>XXXX XXXX i have tried at least XXXX different times to make a payment on my credit card. All three times I have been with absolute abuse and verbal degradation from at least two employees who have refused to give me there I'd numbers to list them directly. I did however get there names. XXXX. Probably not spelling it correctly and XXXX at second level support. They were so very rude and nasty. I was just hung up again for the 4th time this morning while attempting to write a complaint report and make my payment. I have been on the phone now for over an hour. I have XXXX XXXX XXXX XXXX  and now I have double up on my meds again. Please pull the phone calls and listen to them. I in no way was being difficult or rude. This is tryanny and abuse. Some one please help me. I'm getting late fees after late fee and being refused the right to pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My debit card was used in XXXX TX electronically and i had the card with me in Virginia. I used the card the previous day at a branch ATM and I rarely use the card with my pin so I am not sure how they received the information. I was in VA and I have never been to TX. I called the bank and told them it was not me and they denied returning the money since they had my pin number.

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Filed billing dispute with this company in a timely manner, the overseas merchant is not helpful in processing the refund. The case ID is : XXXX I have significant proof that the merchandise has been returned which includes : delivery confirmation and an initial receipt of {$280.00} showing delivery charges paid to XXXX XXXX to ship the package back . I also paid additional to have delivery insurance on the package. 

On XX/XX/year>, the merchant sent an email claiming my return has been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an advertisement email stating that opening a checking account at Wells Fargo Bank would come with {$350.00} bonus. 

The conditions mentioned by Wells Fargo Bank to receive {$350.00} bonus were as follows : 1. Open a new Everyday Checking account from this email by XX/XX/XXXX with a minimum opening deposit of {$25.00}. 
2. Receive a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening. 

On XX/XX/XXXX, I visited a Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ), opened a checking account under the terms stated in the advertisement, and deposited {$1000.00}. 

By XX/XX/XXXX, well over 90 days had passed, but the {$350.00} bonus had not been deposited. When I visited the branch to inquire, I was told to wait. 

As of today, XX/XX/XXXX, the bonus has still not been deposited, and I believe that Wells Fargo Bank engaged in false advertising.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address. To make your prices of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate employers and addresses from my credit report, please send me a copy of my updated report. 
Thank you, 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 2025-01-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-01-08 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: GA

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 explanation