vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Company will not close my account after it was closed back in XXXX. Made final payment of {$280.00} and was processed XXXX. They charged me an additional {$20.00} nsf fee because their system was down and couldn't process the 90 early payment option that was supposed to be emailed to me. Sent numerous emails in XXXX and they never responded back. This company is a scam and has many negative reviews from other consumers. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband is listed as an authorized user on my Chase credit card accounts, which are now inactive and closed. He has requested to be removed as an authorized user to ensure these accounts no longer appear on his credit report. However, Chase has refused to process this request, stating that they can not remove authorized users from accounts that are closed. 

Additionally, I am a victim of identity theft and have already filed a report with IdentityTheft.gov. Ensuring accurate credit reporting is critical as I work to resolve the complications caused by identity theft. Chases refusal to remove my husband as an authorized user is creating unnecessary difficulties for his credit report and my efforts to address identity theft issues. I am seeking assistance to ensure that authorized users can be removed from closed accounts, as this affects his credit report accuracy and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 am submitting this complaint to report that my personal information was compromised in the XXXX  XXXX data breach, where sensitive data, including Social Security numbers, birth dates, and addresses, was exposed. As a result, I believe I have become a victim of identity theft. 
A fraudulent account, [ XXXX XXXX XXXX  ], has appeared on my credit report. This account does not belong to me and is negatively affecting my credit. I have attempted to dispute this account with both the creditor and the credit bureaus, but it remains unresolved. 
I am requesting your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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 am submitting this complaint to report that my personal information was compromised in the XXXX XXXX data breach, where sensitive data, including Social Security numbers, birth dates, and addresses, was exposed. As a result, I believe I have become a victim of identity theft. 
A fraudulent account, [ XXXX XXXX XXXX  ], has appeared on my credit report. This account does not belong to me and is negatively affecting my credit. I have attempted to dispute this account with both the creditor and the credit bureaus, but it remains unresolved. 
I am requesting your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Title Max loan told me that I could get a loan and pay it back over time. Well, they didn't tell me that if I made a payment of what the amount they have me make. It would only be an interest payment ( XXXX XXXX ). Nothing goes toward the principal!!! So I said this loan would never get paid off under those terms. And with a loan amount of {$6200.00}, I pay {$760.00} every 30 days. If I'm late by 1 day, the amount goes up until payment is received. I've been paying on this loan since XXXXXXXX XXXX XXXX, and my loan amount has gone down by {$34.00}. If you renew the loan, I will have to make a payment of interest only which is very high ( 300 % ). But does not go toward the principal amount of the loan. So, all of the payments so far have reduced the amount of the loan by {$34.00}. I applied for a loan in XXXXXXXX XXXX XXXX, and still paying on the interest only to date. No action has been taken so far. I have a file with CFPB already about Titlemax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX sold my mortgage to Freedom Mortgage. In XX/XX/XXXX, I noticed my mortgage insurance was applied 3 times in error. My normal monthly payment is {$38.00} and I was charged {$110.00}. In addition, my XXXX escrow analysis increased which lead me to research further. I found that the escrow analysis in included the incorrect mortgage insurance amount of {$110.00} but should be {$38.00}. I've called Freedom Mortgage serveral times to get the issue resolved. I've even spoken to managers about the issues. The managers made me aware that there was a technical error which impacted many customers and it will be resolved. In addition, I've written many messages through my portal to get it resolved and the responses that I've received says that they are still working on it. Until they've corrected the issue, my mortgage payment is increasing by {$200.00}. This is unacceptable and not a way to handle business. I plan to file a lawsuit against this company for negligence on my loan. Please contact 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arcon Credit Solutions LLC
State: GA

Complaint narrative:
It has been discovered that Archon Credit Solutions is acting as servicer for XXXX XXXX XXXX for charges made to the principal, XXXX XXXX XXXX, XXXX. Contact was made on XXXX to both companies to obtain proof of authority to administer the principle 's estate. XXXX XXXX and XXXX XXXX responded by stating they could answer no more questions. The issue here is that no person has any lawful authority to administer or speak to the estate because none was given. No prior consent was given directly from XXXX XXXX XXXX to obtain, share, sell, store, nor transfer any private non-public personal information belonging to the estate. Therefore, it has been obtain by fraudulent means. A report is being made to the Federal Trade Commission regarding this matter and legal counsel is being sought. The estate is seeking redress for the companies to immediately cease collection activity and release all alleged claims regarding any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-12-31 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-12-31 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: CA

Complaint narrative:
EXPERIAN IS REPORTING XXXX XXXX  ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2024-12-31 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: TX

Complaint narrative:
There is a Bankruptcy reported to my credit and credit agencies. I reached out to the clerk and she advised that they do not report to the credit agencies and I requested who gave information without permission. Please investigate.

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 2024-12-31 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: TX

Complaint narrative:
There is a Bankruptcy reported to my credit and credit agencies. I reached out to the clerk and she advised that they do not report to the credit agencies and I requested who gave information without permission. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that XXXX will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX XXXX  account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that XXXX will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX 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 2024-12-31 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:
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 these fraudulent accounts a collections account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries ( XXXX XXXX ) and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 XXXX 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am attempting to do a credit freeze on my Experian report but I am unable to access anything due to me having a subscription that isnt paid. I am unable to cancel the subscription or reach anyone via phone or email to cancel the subscription. 

The subscription started from a free trial that I was not able to cancel unless I called in to do so. When I attempted to call in there was no prompt to reach anyone via phone agent to cancel.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
My social security number was leaked in a Data Breach with XXXX XXXX and recently received a phone call regarding credit cards that were used with my 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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have gotten multiple charges for transactions I did not make I tried communicating with them and making claim which got denied, I tried reaching out to work something out to appeal the decision but they arent willing to keep working with me after someone made fraudulent transactions on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I get my Direct Deposit Payroll from XXXX/Chime Bank XXXX 
I transferred {$300.00} dollars on XX/XX/scrub>XXXX XXXX XXXX XXXX from my Checking account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX was given a " pull back " or recall order to NOT PAY per a GREAT Lady named XXXX who assisted me in this matter! I DID NOT request this to be done! I XXXX % WANTED my funds to be kept with XXXX in the hopes to buy Stock/ shares in the future. 
I'm seeking for my money to be put back in my account. The " stop '' was given to XXXX XXXX XXXXXX/XX/year> and their saying they only did what they were told by Chime!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES AND FALSE DEBT CLAIMS XXXX XXXX XXXX DOES NOT HAVE A CONTRACT WITH XXXX XXXX. NO SECURITY AGREEMENT IN WHICH XXXX XXXX IS A DEBTOR or AGREED TO BE A DEBTOR This is aggrevated identity theft as I did not authorize the sharing of my nonpublic information with a non affiliated 3rd party There was never any debt that existed to begin with this trust agreement has been XXXX XXXX since the trust agreement was created. Your false claim for a debt not owed may lead to Defamation in the Libel, irreparable harm. XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. SEE ATTACHED UCC 9-210 REQUEST

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 2024-12-31 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: TX

Complaint narrative:
My information was leaked in a data breach of over XXXX XXXX people and for the past few years someone has been using my information in XXXX creating open accounts and debts that I didnt accumulate and according to 15 USC 1681 these go against my rights and I would like them to be removed. Ive been living in XXXX and have not lived in 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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have attempted to request verification of alleged debt multiple times. They responded with the amount of {$5400.00} and a contract NOT signed by me and also, not with the specified company.

Company response to consumer: Closed with explanation