vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX ) is trying to collect on. Equifax is incorrectly reporting on this fraud in my credit report. I would like for Equifax to remove this negative mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX. XX/XX/2024 I receive notice of new dbit Card being Sent My CA. Address. 
XXXX. After 20 days, I do not receive Card nor PIN. 
XXXX. On XX/XX/XXXX. I re-Order Card 4. On XX/XX/XXXX. I receive new Bank Card 5. I truly to use Card. Incorrecto PIN. 
XXXX. Policy States PIN Will remain XXXX unless I request new PIN. 
XXXX i NEVER requested new PIN. 
XXXX. After several falls I find out Bank changes PIN. Without My consent 9. One Month Later XXXX. I do not have working Bank Card. 
XXXX. PIN has NEVER showed to CA. Address. 
XXXX. Two tried many Phone calls. NO PIN!

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 2024-07-27 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: OH

Complaint narrative:
I have had this exact same collections account removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, I was told by XXXX XXXX that XXXXMy credit card account was closed. Both of these accounts should have the same credit report information. XXXX CLOSED ON XX/XX/XXXX, XXXX last reported on XX/XX/XXXX, XXXX EQUIFAX closed on XX/XX/XXXX, XXXX last reported on XX/XX/year>. These accounts should have the same information why is XXXX XXXX XXXX  still reporting to Equifax. I'm contacting my attorney about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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:
There is an open FTC identity theft investigation open on the principal XXXX XXXX account, which, documents were sent in to Experian, for proof. They received them and I has been over 1 week and they are still allowing XXXX XXXX to report the fraudulent information, when there was supposed to be a block of information put on the file, restricting such activity, no later than 4 days after receipt, pursuant to federal law! 
This needs to be rectified 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 explanation
Consumer complaint received 2024-07-27 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: LA

Complaint narrative:
Dates : From XX/XX/XXXX to XX/XX/XXXX Action taken : A dispute letter was sent

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 2024-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
XX/XX/year> a credit application was submitted on behalf of the XXXXXXXX XXXX by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by XXXX XXXX XXXX, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. HEAVNER, BEYERS, & MIHLAR LLC are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX will demonstrate. Let this also be a notice that allows HEAVNER, BEYERS, & MIHLAR LLC to send correspondence through CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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:
I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : 1. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with XXXX, Experian, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX XXXX XXXX : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.

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 2024-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Groves Capital, Inc.
State: TX

Complaint narrative:
I lost my earnest money in the process because the mortgage loan officer was not forth coming or communicating with me or the real-estate agent regarding the loan. She told me from the beginning it would be an FHA loan and when it was time to close which we didn't of course, it switched to a rent to own lender with the rental amount 3 times the original mortgage payment amount. It is called the TRIO Program. The original interest rate was XXXX and with this program it was XXXX XXXX loan terms 40 years. I feel this was predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We received a statement for {$3000.00} with bunch of different charges from different states not everything was local and that card was not activated at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed several charges for an XXXX XXXXo that I use. The dispute was declined right away with no explanations. I believe that 1 of the customer service people who hung up on me immediately declined it. Because he didn't like that I told him to stop repeating himself and asked for corporate. The charges look fraudulent. On another dispute that I filed that they got incorrect, the XXXX XXXX actually contacted me calling them chargebacks. I explained what happened to them. And they sent me an email saying that those are the only two charges that they had received a complaint line and told me their charges come up on my bank account. I submitted this information. They told me that they had reopened my case twice. Upon checking, they had not opened it at all. Only 4 hours went by. They could not have properly investigated my claim. If they had, the company would have reached out to me about the other charges I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This company came up on my credit report as in open account and with a balance of XXXX}. As of today i have no open accounts with this company or do i have any info on this debt.

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 2024-07-27 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: PA

Complaint narrative:
According to FCRA 1681b ( a ) ( 2 ) Experian is in violation of this LAW because as provided under FCRA 1681b ( a ) ( 2 ) I did not give instructions to Experian Credit Reporting Agency.

I want ALL ( XXXX  ) accounts to be DELETED from my Experian Credit Report. I gave NO INSTRUCTIONS and they should not be on my credit report without my instructions as stated in FCRA 1681b ( a ) ( 2 ).

I am a FEDERALLY PROTECTED CONSUMER and I did not give any instructions for the ( XXXX ) accounts to appear on my credit report. 
I did not give any INSTRUCTIONS as provided under the LAW 1681b ( a ) ( 2 ). 
DELETE ALL ( XXXX ) accounts listed below. 

XXXX XXXX XXXX # XXXX. 
XXXX # XXXX. 
XXXX  XXXX # # XXXX. 
XXXX XXXXXXXX # XXXX. 
XXXX # XXXX. 
XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX. 

Delete ALL accounts I have listed above for violation of FCRA1681b ( a ) ( 2 ) due to my not giving instructions to your agency.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/year>, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-TransUnion, XXXX, and XXXX as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX , from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, 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 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
This company came up on my credit report and i do not know who they are. I have no contract with this company. I have not received a validation letter. The amount showed is {$2100.00} as in open account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They havce refused to honor my cease and desist. Per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered XXXX  and XXXX  per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVIC Last reported XX/XX/year> {$380.00} Open balance CREDIT COLLECTION SERVIC Original creditor SNAPSHOT Opened XX/XX/year> ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name CREDIT COLLECTION SERVIC I also disputed the account with the credit company File number : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX  ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark 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 explanation
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-27 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reaching out for assistance in reopening my fraud claims with Citibank to recover stolen funds. Since XXXX, I have been the victim of a robbery and multiple data breaches that have severely affected my finances. 

I have provided details of disputed fraud transactions from two different accounts. Specifically, there were multiple unauthorized XXXX transactions made to unknown individuals from my stolen phone. Despite providing valid proof and police reports, all my fraud claims have been denied. 

I am requesting that all my fraud claims be refiled, including those not listed here, as I do not have all the case numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in addressing this urgent issue.

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