vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX- {$51000.00} UNDER THE FCRB 605B THESE ITEMS WERE TO BE DELETED AND BLOCKED. THE NECESSARY DOCUMENTATION WAS PROVIDED TO XXXX UNDER THE FEDERAL GUIDELINES AND THEY REFUSED TO DELETE AND BLOCK THE THE MENTIONED ABOVE ITEMS. WHICH UNDER FEDERAL LAW MAKES XXXX SUBJECT TO ARBITRATION UNLESS OTHERWISE DELETED AND BLOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XX/XX/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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XX/XX/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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX formally known as XXXX, managed by XXXX XXXX sent XXXX to collections knowing that I didnt owe that & didnt give me explanations on why that was the amount. I left only owing XXXX. I broke my lease because my flooding was a consistent issue in my apartment & management did nothing about the problem, they decided to do renovations while I was living in the apartment, they expected me to pay full rent while everything was going on. I practicality lived with the construction workers. {$1700.00} was owed and my security deposit with was {$1500.00} was supposed to cover the majority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
Good afternoon as attachments below will have details of being removed several times i do not know why they continue to harass me and i will take legal action. 
dates and actions are below this description. 

REPORT NUMBER : XXXX DATE GENERATED XXXX XXXX DEBT COLLECTORS XXXX  XXXX & XXXX XXXX Debt Colletors ENHANCED RECOVERY CO L They have embarrassed me and toyed with my personal credit by selling these accounts multiple time as it has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MO

Complaint narrative:
I saw an account opening bonus offer from U.S. Bank and it was mentioned in the offer that account can be opened in a branch, online or over the phone. Then I took the screenshot of this offer and went to the U.S. Bank 's nearby branch to open the checking account. 
- I showed the offer 's screenshot to the branch manager & he applied the promo code and opened my account on XX/XX/XXXX. He told me that I should receive the bonus after 3 months provided I meet the requirements. 
- Then I visited the branch after 3 months [ in XX/XX/XXXX ] to inquire about the bonus. The branch manager checked if I met the requirements & he confirmed that I have met them & should receive bonus by next month. 
- Again I visited the branch [ in XX/XX/XXXX ] & asked about my bonus. The manager again told me that it should be credited to my account soon in a couple of weeks. 
- After that I waited for around a couple of months hoping that I will receive the bonus but nothen happened. 
- Then I called the U.S. Bank 's customer service to raise my concern & the representative told me that they will get back to me in few days after inquiring the issue. But nobody called back. Then I called again & they said the same thing. 
- Finally, I got a call back from their promotion department & he said that the concern has been checked & the branch manager is supposed to make decision. He assured me that brank manager would call me in few days which he did. 
- Now [ on XX/XX/XXXX ] the current manager of U.S. Bank 's branch, where I opened my account, is saying that I'm not eligible for the bonus because the promotional offer was not directly sent to me rather I searched on XXXX for offers & landed on the their official page that showed this offer. This makes no sense to me - So, my concerns are as following : 1. why was I allowed to use that promo code at the first place if I'm not eligible?

2. why did branch manager assured me multiple times that I will receive bonus? 
3. why was that promotional offer available to everyone on their official website if it was supposed to be applicable to selected people? Atleast it should have been mentioned somewhere on the promotional offer. 

I think this is the trick they are using to attract customers to open accounts in their bank & I feel that I have been deceived.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
At exactly XXXX XXXX time on XX/XX/2023 I called the loss mitigation department of Cross Country mortgage to receive an update on my forbearance request. The gentleman that answered seemed to be working from home with a poor phone connection, I provided my information and he was demeaning, rude and told me I should have paid my mortgage, I asked to speak to a supervisor and he talked over me rudely and caused high-anxiety in front of my daughter as we are already going through a stressful time. I later called back and spoke with another another Crosscountry representative that said the previous agent did not code my account so he would have to escalate to find out who took the call. I also shared my concerns with Crosscountry rep initials XXXX, and XXXX to have them share this concern with leadership, my blood pressure is at XXXX from this terrible experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
There was a charge on my card in the first week of XXXX for {$100.00} that came from XX/XX/XXXX for a {$99.00} annual fee. First of all, a {$99.00} annual fee is rediculous, but, I've paid it these past 2 years because I don't want to close the card and lower my credit while in the process of trying to buy a home. So, on XX/XX/XXXX I made the payment of {$100.00} and the next day XX/XX/XXXX forgot I paid it the day before and made the payment again ... totaling {$200.00}. This shows on my XX/XX/XXXX statement, that I over paid {$100.00}, so my account was $ XXXX ... .With GenesisFS card services ( Indigo Card ) owing me the XXXX. They claimed they would return it to my bank of which they never did ... ( And all these calls should be recorded ) ... .Now, they've turned around this month and charged another {$140.00} for God knows what, but I don't, nor did the last representative I spoke with. The representative also stated she could see a future statement that I could not see online and I was being charged a late fee, which is impossible! ... The company owes me! ... .How could I be charged a late fee! ... They claimed it was due to insufficient funds, and yet ; the money left my bank and was not returned, as it shows on the XX/XX/XXXX statement. Today is only XX/XX/XXXX, so how could anything be late and they owe me?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have fraudulent accounts opened in my name without my knowledge. I need these unauthorized accounts removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
Failed background check due to 1 point on driving record, which caused employer to rescind their job offer. The infraction in question had been settled months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
There was a loan originated in XXXX of XXXX through TCF as a second mortgage. Since then we went through financial hardship and the loan was supposed to be rolled together with a first mortgage. During this time span apparently the loan was not and TCF was sold out twice and now the debt is owned by Huntington. We were first made aware the debt was still owed while trying to refinance in XX/XX/XXXX, through XXXX XXXX Mortgage and the title company found a lien on our home from TCF from XXXX. I have tried to contacted Huntington on a dozen or more occasions since XX/XX/XXXX concerning documents on the history of this loan and am unable to get anywhere. I get sent to multiple departments, told the manager is on vacation or just told today that there are 87 pages of information and the only thing they will supply us with is the origination of the loan and the title with the lien from TCF. Those documents we currently have because of the title company. We are looking for documentation concerning the debt and what happened to it. Why hasn't anyone contacted us? Why say we owe it still when nobody will just supply information and documentation for the mortgage company to refinance us so we can pay the debt they claim we still owe. I am just looking for someone to assist me as they just continue to tell me I have no right to the 87 pages of documentation they have on file. Why don't I have a right to see it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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