vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I'm not sure which is the correct category for this issue, I was a recipient for a live check, I never stepped foot in this office, they didn't even have my ssn, I have never agreed or signed anything. They have continued harassing family members whom I do not have any contact with. They told them not to contact them and they continued I did call sunloan to ask if they would stop giving them info on my personal affairs and not to contact as I never listed anyone as a reference, they did mention they do have a directory and could contact them as many times as they wanted because it was not against the law. That type of behavior is unethical, that same day upon research I did find out that this issue is not criminal yet we as consumers do have rights and they can't be doing this to anyone. I will be fighting this to the fullest because they have now filed for civil complaint. They have bullied me, aside from the harassment of family and now they try to scare me by calling the constable to issue civil process. I did file a complaint with the Texas attorney General and do have a case number, this was filed on XX/XX/XXXX and they have continued to call after that date as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc
State: PA

Complaint narrative:
I never used my account with DailyPay. However, they gave a loan to someone out of my account and have changed my direct deposit information through my employer to go to them ( DailyPay ). I never requested any funds from them, I didn't receive any from them, and I don't want them accessing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : BULL CITY FINANCIAL # XXXX - Balance {$100.00} UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2024-12-18 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: NV

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-18 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: FL

Complaint narrative:
During the period I was a victim of human trafficking, fraudulent financial activity was conducted using my personal information without my knowledge or consent. This resulted in several erroneous accounts, late payments, and inquiries appearing on my credit report. 

For example, an account with XXXX XXXX was opened fraudulently, leading to financial obligations that I did not authorize or initiate. Similarly, XXXX added a utility-related account that I had no involvement with. Additionally, a late payment reported by XXXX XXXX  was an isolated incident caused by circumstances beyond my control during this period. 

Unauthorized credit inquiries, such as one from XXXX XXXX dated XX/XX/2023, further indicate misuse of my personal information. Numerous inaccuracies in my personal information, such as incorrect aliases and employer names, were also added to my credit report. 

Since discovering these issues, I have provided documentation to credit reporting agencies, including police reports and affidavits, to demonstrate that these accounts and entries were the result of financial exploitation. Despite these efforts, the inaccuracies remain unresolved. 

I request a thorough investigation into these matters and the removal of all fraudulent and inaccurate entries 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive noticed unauthorized accounts on my credit report that I suspect may have been added fraudulently. Please take steps to block and remove these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I have found discrepancies in my credit report, including unauthorized accounts. Please block and remove these fraudulent entries as soon as possible.

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 2024-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-18 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: FL

Complaint narrative:
I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 2024-12-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several errors on my credit report regarding late payments. These inaccuracies do not match my payment track record. I request that you fix them and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-18 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, ca XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX ), I do not have a contract with CREDIT COLLECTION SERVICES, They did not provide me with the original contract as I requested. CREDIT COLLECTION SERVICES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until CREDIT COLLECTION SERVICES proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2024-12-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, Experian and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX balance of {$320.00}, account opened with XXXX XXXX XXXX under the account number XXXX on XXXX, account with XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Every time I post a higher check to my account, I get nasty emails, that there is a hold on my check. This is an official XXXX check just received XXXX detached the check and handed it over to the clerk. This is unbelievable and the email I got from BFA is full of lies. The do NOT have any info that the check will be returned. And they use the word " may ''. This is all a lie to stall.

I want to get reimbursed for holding my money. And I will start a legal process. This is unbelievable customer service. BFA keeps fake accounts without validating, and they keep my money. I need meds .. and I need this money for that. If something happens to me I will get them to court. 

We placed a hold on a check you deposited at a financial center. 
The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit {$4700.00} Total amount on hold {$4700.00} Date of deposit XX/XX/year> Hold notice We've placed a hold on XXXX or more checks to help verify funds. Review the availability information and hold reason for details. 
XXXX XX/XX/year> at XXXX a.m local time {$4700.00} We've placed a hold on your deposit because we have information indicating the check ( XXXX ) XXXX be returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have recently been the victim of identity theft and fraud and have reported extensively my experience to the Federal Trade Comission, all three major credit bureaus, and have filed fraudulent transactions across multiple credit and debit cards. These fraudulent charges took place for XXXX year from XXXX through XX/XX/year>. My debit card with Bank of America was found to have fraudulent charges related to a loan servicer, XXXX. Bank of America was able to refund me for recurring charges on my account from XXXX but forgot to remove XXXX charges totaling {$710.00}. I have discussed with them over the phone multiple times and they do not understand what I am requesting despite countless explanations. I mailed and faxed many documents yet they have failed to do a thorough and holistic review to refund me the remainder of the fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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:
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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
Transunion has been affecting me as a consumer and has not updated my credit report or credit score. As a consumer that has paid to delete the following accounts. I do expect to have the following removed. And as a consumer my credit report and credit score should be accurate and on point. 

XXXX XXXX XXXX : paid to delete Remarks UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX Remarks CLOSED XXXX XXXX XXXX : paid to delete Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX : paid to delete Remarks >PLACED FOR COLLECTION< NCA : paid to delete Remarks Account information disputed by consumer ( FCRA ) ; >PAID COLLECTION<

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear TransUnion, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : XXXX. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity.

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts

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