vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This incident occurred XX/XX/year> at TJ Maxx. The employee asked did I wasnt to sign up for their rewards program. I told her I did not want to apply for any credit cards. She lied and stated that its only a rewards card not a credit card. She gave me a pamphlet wrapped in a TJ Maxx bag stating to call the number on the receipt to see why I was rejected. It was a scam the whole time to help her with her commission. This is my first attempt to do anything about this situation. After she got my information she stated that it was rejected for the rewards, which made me realized she submitted my information for a credit card.

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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Im actually contacting in regard to the checks issued by Lexington Law Firm. Ive been a customer since 2011 and was curious as to if Im eligible to receive a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
Experian is reporting the account XXXX  ( Account Number : XXXX ) with a 30-day late payment history. I did not authorize or give consent to report this account, and its reporting violates my rights under the FCRA, specifically 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. Additionally, I have noticed discrepancies between the information that Experian and other credit bureaus reported, indicating a failure to maintain the maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused significant harm to my credit profile and negatively impacted my ability to secure financial opportunities. I demand an immediate investigation and removal of this account from my credit report. If this issue is not resolved promptly, I will pursue {$1000.00} in damages for willful non-compliance under 15 U.S.C. 1681n. Please address this matter urgently to avoid further action on my part.

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 2025-01-02 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: NJ

Complaint narrative:
After reviewing my credit report, I discovered an inaccuracy in my personal information from Equifax that requires immediate attention and correction. Specifically, the ITIN listed is incorrect : XXXX. The correct ITIN should be XXXX. This error violates the FCRA, which requires maximum possible accuracy under 15 USC 1681e ( b ). I demand immediate correction of my credit report to reflect the accurate information. Failure to act promptly will be considered willful non-compliance under FCRA, making your agency liable for damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding a collection account listed on my credit report by [ CREDIT COLLECTION SERVIC on behalf of the XXXX XXXX. By law, the original creditor is required to issue a Form 1099-C if a debt has been canceled or written off as a loss. I have not received this documentation, nor has the collection agency provided any evidence that they have a legal right to collect on this debt. Despite my attempts to request validation and supporting documentation, they have failed to comply, leaving the debt unverifiable and incorrectly reported on my credit file. I am requesting the CFPB 's assistance in resolving this matter and ensuring compliance with federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX, XXXX, I opened a Citi regular checking account because Citi offered {$450.00} welcome bonus. I funded the account on XXXX, XXXX ( {$3000.00} ) and XXXX, XXXX ( {$4000.00} ) from my checking account at XXXX XXXX  XXXX to fulfill the requirements to receive the welcome bonus. On XXXX XXXX, I did receive the {$450.00} in my account, and then I tried to transfer {$7000.00} back to the same checking account at XXXX  XXXX XXXX. Citi first sent me a letter asking me to verify the recent activity and blocked my access to my online account. I went to the branch on XX/XX/XXXX, and was told that Citi would close my account. Both of my {$7000.00} and {$450.00} welcome bonus were withheld by City Bank. I asked about the reason why closing my account, and the expected timeline for receiving the money. Citi Bank refused to disclose any information.

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 2025-01-02 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: IL

Complaint narrative:
The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, IL 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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello... .Iam a victim of identity theft recently going through personal where all my belongings has been took, along with my identication card, social security XXXX birth certicate and so much more i have contacted these companys multiple times letting them know what happened and even provided paperwork and proof ..still nothing has changed... fast foward to now with the hackers from the data breach using my information when does it stop iam still going through this stress of loss with no real help this pain has caused me alot of dark days...

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 2025-01-02 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: PA

Complaint narrative:
Hello... .Iam a victim of identity theft recently going through personal where all my belongings has been took, along with my identication card, social security XXXX birth certicate and so much more i have contacted these companys multiple times letting them know what happened and even provided paperwork and proof ..still nothing has changed... fast foward to now with the hackers from the data breach using my information when does it stop iam still going through this stress of loss with no real help this pain has caused me alot of dark days...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I called ally auto to make my payment for my vehicle. After rep answered and verified info I was told to hold for XXXX. XXXX stated I could only pay by XXXX XXXX When asked why they asked was my vehicle in my yard still. After saying yes they stated it was up for repossession. After being on hold again the repo man took my vehicle. I had asked for assistance mid XXXX when I had stopped working for medical reasons. I was granted a XXXX or XXXX mth forbearance. After which they kept threatening repossession. I began to make payments. I missed XXXX payments in XXXX year. While making my XX/XX/XXXX payment for XXXX I asked the rep could the missed payments be put to the back of the loan to bring my account current since I was back in track. Needless to say it resulted in an argument. I missed the XX/XX/XXXX payment. From XX/XX/XXXX to XX/XX/XXXX that was the only payment I missed that I can recall. Ally records reflected payment past due. They posted the payments to the past month and the account always looked past due. I made a payment every month from XXXX to XXXX. Even asked for a payment date change since I was depending on my children XXXX money. I feel that if they was going to repossess the car why didn't they take it in XXXX. They let me make consecutive payments every month with the intentions of repossessioning it. Now because it was wrecked in XXXX which insurance fixed over {$6000.00}, in damages, they want me to pay the difference after it was sold. I could have the car and be making payments still. They set me up on the phone because I was on the call for XXXX minutes trying to make the payment and they kept putting me on hold until the driver had the car in his possession. I suffer from anxiety and the calling every day even with arrangements on file was overwhelming. I requested the reach me via mail. I feel the repo was retaliation for that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

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 2025-01-02 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: CA

Complaint narrative:
Experian is outdated information being reported on my credit file and this information is from XXXX XXXX several of my accounts that they are reporting with a balance is incorrect due to the fact these cards have been previously paid in full and have a {$0.00} balance. this mis information is affecting my score and how lender view me.

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 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
XX/XX/year> I assumed a home loan through a house purchase. I tried to create an online account because the website and phone tells me to use the online portal. I was told it would be a few weeks, then I was told it would be a couple months. I have been told it they don't know how long it will take and most recently I have been told it will not happen ever and they are not IT so I need to write a letter. I understand things take time but this is getting ridiculous and I'm just tired of being lied to repeatedly and honestly being treated like garbage for just asking the question of why this is taking so long. Freedom mortgage has not been honest from the beginning and I wish they would just sell my loan.

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 2025-01-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2025-01-02 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: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection issue involving Credence Resource Management. The account, as reported on my credit file, lists a balance of {$6600.00}, which was last updated on XX/XX/year>. I have no knowledge of this debt and have never entered into any agreements with this company or the original creditor. 

Despite disputing this matter previously, the company continues to harass me with repeated collection attempts. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits attempting to collect debts that are not verified or valid. Additionally, this collection has been reported inaccurately on my credit report, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that all information reported must be accurate and verifiable.

Key Issues : 1. Debt Validation : Credence Resource Management has failed to provide any documentation or proof that this debt is mine.

2. Continued Harassment : The company has repeatedly attempted to collect this debt, even after my prior disputes.

3. Credit Report Inaccuracies : This account has been reported to credit bureaus without proper validation, negatively impacting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I am trying to purchase a home and get access to my credit files and have my reports as accurate as possible and seem to get nothing but pushback from Equifax. 

I have multitudes of misinformation on my reports primarily with my name, address, and a crazy amount of inquiries. 
I also had credit card fraud that they have refused to assist with even though I have police reports and submitted a report to the XXXX 

They have now frozen me out of my account and refuse to give me or anyone access to my reports for the purpose of purchasing me a home and causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  : {$2500.00} XXXX looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove 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 2025-01-02 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 am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion.

2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

Sincerely, 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