vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: CCM Finance LLC
State: LA

Complaint narrative:
For over XXXX  knowing years I've been attempting to detach my identity from this account with the company CCM Finance. I noticed about XXXX  years ago that a car repossession was appearing on my consumer report. I had no idea where it had come from, or even how to remove the account from my consumer report. I was unfamiliar with the credit reporting process and didn't even fully understand how credit worked or even purchasing a vehicle. I have always purchased everything in the past with cash and I didn't even own a credit card up until about a year ago. After furthering my research on credit monitoring, I began researching on how I could make contact with the company CCM Finance to make them aware that I did not do business with them or request services from them. The person or institution that brokered the deal with CCM Finance was able to obtain an auto loan in the amount of {$27000.00} without my consent. This is a known fact and for about 41 months I've been dedicated to detach my identity from this matter, as it appears to be fraudulent. I have contacted CCM Finance on numerous occasions, and no one has corresponded back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I continually receive solicitations in the mail for the XXXX XXXX issued by Elan Financial Services. This marketing is disruptive and invasive. I called Elan Financial services today XX/XX/year> and they advised me they were unable to stop me receiving marketing as XXXX was responsible for the mailers. However, Elan is the issuer and they claim to have no control over their partner 's marketing efforts. 

I want this marketing stopped as it is disruptive and Elan needs to control it's cobrand partners and remove me from their marketing list.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
According to the FCRA Laws 15 USC 1692c : clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease ALL COMMUNICATIONS. This is a violation and statutory damages can occur. 

Please remove/delete these two account below from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX Credit Collection Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-03 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened the account for the enhanced deposit bonus on XX/XX/year> and made enough deposits of {$3000.00} on XX/XX/year>, but citi claims I didnt make enough deposits for the {$350.00} in time even though customer service representatives confirmed 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I decided to open an account with Truist bank because they were promoting the XXXX XXXX debit card. As a XXXX employee, I was eager to get the card. Unfortunately, it turned out to be a terrible decision. Right after opening the account, I had to deal with a company going out of business to get a refund on unwanted products. When I tried to deposit the check from the law firm into my account, Truist Bank placed it under fraud alert, even though there was nothing fraudulent about the funds. It's been a year now, and Truist Bank is still " investigating, '' keeping my funds locked in the account. Despite my numerous calls to Truist Bank, they have refused to provide any guidance on how to resolve the situation and access my money. To make matters worse, at the beginning of XXXX, they are now asking for information that I can no longer obtain from the defunct company.

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 2025-01-03 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have NEVER been late on the card. I requested a second card, and my income increased, so I increased it on the application. They approved the card, but IMMEDIATELY restricted BOTH cards. It took me almost two months to find out why. They tried to bully me into submitting three months of bank statements, and I refused. This was a {$3300.00} card! After attempting to rectify this by going on Social Media ( the ONLY reason someone in a higher dept called me back ), I was told that the payments could be made. However, I cut up the card and had no information regarding the full account info. The app, as WELL as the Cust Service dept, could NEVER locate the account! After MONTHS of hitting a dead end and calling numerous times, I now have XXXX late payments on my credit report even though I ATTEMPTED to pay it. I am constantly receiving late payment notices and payment resolutions, but when I click there is NO WAY even to utilize it. The collection department that calls me hangs up because they can't locate the account. I want to be DONE with them and these late payments OFF my report. I want to pay them in full and be done with them for good! This is unscrupulous and unfair to the consumer to be BULLIED intp providing personal bank statements to a company YEARS after the relationship began!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute several items on my credit report that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my Experian credit report dated XX/XX/year>, I found that the following accounts include inaccurate or incomplete information : XXXX XXXX and XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. The accounts listed above do not meet this standard, as the information is either incomplete or inaccurate.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a con
sumer is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the credit bureau must : 1. Promptly delete or modify the inaccurate information, as appropriate.

2. Notify the furnisher of the information that it has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By reporting and maintaining these accounts, the furnishers and the credit bureau may have
violated my rights under this section.

I request that you investigate the accuracy of the above-listed accounts and take appropriate action, including : 1. Deleting or correcting any information that is found to be inaccurate, incomplete, or unverifiable. 2. Notifying me of the results of your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ). I have enclosed a copy of my credit report with the disputed accounts highlighted,
as well as any supporting documentation to assist in your investigation.

Please note that I expect a response within the legally mandated timeline of 30 days, as outlined in the FCRA. Failure to comply with these requirements may result in further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely, 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have NEVER been late on the card. I requested a second card, and my income increased, so I increased it on the application. They approved the card, but IMMEDIATELY restricted BOTH cards. It took me almost two months to find out why. They tried to bully me into submitting three months of bank statements, and I refused. This was a {$3300.00} card! After attempting to rectify this by going on Social Media ( the ONLY reason someone in a higher dept called me back ), I was told that the payments could be made. However, I cut up the card and had no information regarding the full account info. The app, as WELL as the Cust Service dept, could NEVER locate the account! After MONTHS of hitting a dead end and calling numerous times, I now have XXXX late payments on my credit report even though I ATTEMPTED to pay it. I am constantly receiving late payment notices and payment resolutions, but when I click there is NO WAY even to utilize it. The collection department that calls me hangs up because they can't locate the account. I want to be DONE with them and these late payments OFF my report. I want to pay them in full and be done with them for good! This is unscrupulous and unfair to the consumer to be BULLIED intp providing personal bank statements to a company YEARS after the relationship began!

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 2025-01-03 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: CO

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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, 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 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 2025-01-03 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: CO

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2025-01-03 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: GA

Complaint narrative:
There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for credit card or loan with a financial institution named " XXXX '' on XX/XX/year> using my SSN and other details without my consent or knowledge

Company response to consumer: Closed with non-monetary relief