vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
I do not recognize any of these hard inquiries on my XXXX XXXX in my Equifax report I would like to remove since they were not authorized by me. I have included a police report to these agencies to report identity theft, and they still are not helping me. I need these remove. These were not me doing these hard inquiries please and thank you. I want these inquiries deleted since I did not authorize these companies to run my credit which is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not recognize any of these hard inquiries on my XXXX XXXX in my XXXX report I would like to remove since they were not authorized by me. I have included a police report to these agencies to report identity theft, and they still are not helping me. I need these remove. These were not me doing these hard inquiries please and thank you. I want these inquiries deleted since I did not authorize these companies to run my credit which is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX veteran total and permanent since XXXX. 
Was not required to work according to the law. 
Pushed through and went to work for citibank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX insisted I go on XXXX. 
Less than a month on fmal I was hospitalized for 6 consecutive days. 
Was told my XXXX XXXX while I was in the hospital that my pay was being turned off. 
The 6 consecutive days according to their policies procedures and their 3rd party XXXX stated 8 days consecutive including weekends supposed to have resulted in automatic short term XXXX. 
I was harassed by bank employees and their 3rd party.

Pay was cut, unable to go to PT as I was unable to obtain the loan approved for to have a home close to the PT facility. 
Still no pay reimbursement Still can't get a loan for a home for treatment Still have not received all funds from my XXXX and cash is needed to buy a house Credit is now poor as a result 23 years of excellent credit gone due to citi termination XXXX 3 days prior to my XXXX birthday Started initial employment XXXX on my actual birthday XXXX Was asked to come back to the bank and it was more stressful than the first time. Deeply regret coming back and definitely regret not XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Emails will show that I was still willing to work when I could and I was told they wanted to keep me active but turned off my pay when I was in the hospital not even on XXXX for a month. In XXXX they didn't want to send me a replacement laptop after informing them it eas broken and left in the Texas home that I was being harassed and forced to leave

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
When I originally got the loan they made it seem as if it would be paid off in 4 years. The interest rates are ridiculous making it harder to pay off. They offer you insurance just in case you lose your job. When I went without a job they literally required me to file for unemployment to get assistance. This is not how the insurance was described. I have been paying them {$460.00} for over 5 years. Thats {$30000.00}. To charge someone in need that much interest is ridiculous. They draft the payments from your bank account forcing you to pay them. If you try to stop payment to them they just switch up the numbers so the transaction wi go through. I have paid this company way more than I borrowed. At this point I have paid them over 2 times what I borrowed and I want from under this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is a medical collection that should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX {$370.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-12-22 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of the debt you claim I owe and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are hereby notified that I am exercising my rights under federal law to request proper validation of this debt.

I am requesting that you provide the following documentation to substantiate your claim : 1.Proof of Ownership of the Debt A complete chain of title demonstrating that your company legally owns this debt and is authorized to collect it.

2.Proof of My Obligation to Pay A signed contract, agreement, or original application bearing my signature, indicating that I entered into this obligation and agreed to the terms.

3.Verification of the Amount Allegedly Owed A detailed and itemized statement of the debt, including the original creditor, dates of debt accrual, and an explanation of all fees, interest, and charges.

4.Verification of Your Right to Collect Evidence that you are licensed and legally authorized to collect debts in my state.

5.FCRA Verification of Reporting Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if this debt has been reported to any credit reporting agencies ( XXXX, XXXX, or XXXX ), I request that you immediately verify the accuracy and completeness of the information. 
Please provide : Evidence that the debt has been properly verified as accurate. 
Proof of the specific method ( s ) used to verify the debt with the original creditor.

Failure to verify the accuracy of this reporting will constitute a violation of the FCRA and will require the immediate removal of this debt from all credit reports.

Until I receive all the above documentation, I do not acknowledge this debt and request that you cease all collection activities, including reporting this debt to credit bureaus. Unverified debts can not be reported under the Fair Credit Reporting Act ( FCRA ).

Furthermore, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all forms of communication with me, including calls, letters, emails, or any other contact, except to provide the requested verification or to notify me of legal actions taken. 

Failure to comply with these requests will be viewed as a violation of both the FDCPA and FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office if my rights are disregarded. 

Please respond within 30 days from the date you receive this letter, as required by law. Send all correspondence to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was informed by pnc on XX/XX/year> that there was suspicious activity on my account. There were XXXX {$30.00} charges, and they want to know, did I authorize them? I did not and I informed them. They credited my account in included that dispute. On XX/XX/XXXX, there was a {$90.00} charge to my account, which I did not authorize. There was no store, just a bank. I was told to let the transaction post, which I did and on the XXXX of XXXX I filled out a dispute but I was not credited. For Unauthorized charges. Which I should have been credited.A temporary credit at least because they were already made aware that my account had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Pnc closed all 5 of my personal and business accounts when I had active disputes because my cards and phone were stolen they will not give me back any of my money or investigate the claims They have stolen my money and have ghosted me. Will not return my calls from the executive branch in XXXX or any local branch wont help me either Pnc stole my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: CA

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 : 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 explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, American Express provided an offer to upgrade an existing Amex XXXX card to Amex XXXX XXXX  card. The offer provides XXXX XXXX points after spending $ XXXX within 6 months. 

I upgraded the card according to the offer and paid the annual fee for the new card. I also met the spending requirement after the card has been upgraded. 

The bonus XXXX XXXX points were never provided after all the upgrade requirements are met. I contacted the customer service from Amex. They confirmed the upgrade offer but refused to pay the missing XXXX XXXX points. They mentioned I got the same offer before but that additional restriction has never been mentioned when I upgraded my card recently. 

They also agree that my claim makes sense but still refuse to pay the missing XXXX XXXX points. 

I would appreciate your kind assistance to resolve the issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company sold one loan then totally changed it when payments came due Theres extra fees Theres more charges They Harrass me everyday for payment when I just gave them XXXX They are causing emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CA

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 : 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 explanation