vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CT

Complaint narrative:
Today, XX/XX/XXXX, I received a statement from a company called ELAN. I have never heard of them. 

They have an account number in here and a number for their online financial services. My balance was XXXX. 

I called them and explained to them that I do not have a card with their company. I asked them how they got my information and I would like to see this go away without hurting my credit which I know happens when you cancel a card. 

They were very uncooperative, would not allow me to answer questions fully, kept cutting me off, and finally was so rude. I hung up. 

I do not want to have this outstanding credit card that I never applied for with my name on it. They said they got it from Peoples Bank and wanted to know if I ever had a card with them and I told him no I never did. I only had my accounts there. 

They were unhelpful and I need to get this sorted out. Please help me maintain my credit level.

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 2024-03-25 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 name is XXXX XXXX and I am a victim of identity theft. I have repeatedly attempted to delete these fraudulent accounts from my experian credit report. and they - experian have refused to removed these fradulent accounts from my credit report. I am a victim of identity theft and my information was used aginst my will to open FRAUDULENT ACCOUNTS. 

I have attached the FTC report to this document. THIS FTC report is a federal document. PLEASE delete, block and remove these fraudulent accounts from my credit report. 


For Proof of identity I have attached the following below : I have attached my social security card. 

I have attached my utilitu bill I have attached my state california ID AGAIN, because i am a victim of idenity theft I need these two fraudulent accounts removed NOT ONLY DO I WANT THESE ACCOUNTS REMOVED AND BLOCKED. 

bUT I WANT TO BE FIANCIALLY COMPENSATED FOR EXPERIAN REFUSING TO REMOVE THESE 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
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
I am writing to follow up my previous dispute on certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-03-25 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: TX

Complaint narrative:
If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
Pursuant 18 U.S.C. 8- I do not own any debt ; this company is violating my consumer rights to privacy. 


Account name XXXX XXXX Account number 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 2024-03-25 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: FL

Complaint narrative:
Pursuant 18 U.S.C. 8- I do not own any debt ; this company is violating my consumer rights to privacy. 


Account name XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). 2/14/2023 I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/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 2024-03-25 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: WI

Complaint narrative:
Received multiple letters from A.R.M. Solutions, Inc out of XXXX CA. 
Said the company I work for owes them money. 
I asked for copies of the invoices and dates and amounts. 
Was told that they would not give me this information. When I stated that they are under the Fair Debt Collection practice which they state on the back of the letter, they laughed and said that they do not have to give me anything. 

When I further questioned them about the collection, they said that this was pre-collection, yet they threatened me with a lawsuit for not payment. 

We do not owe this money. I called the actual company and told them that the invoices they are showing open back from XXXX and XXXX were paid. I gave them the check numbers and all the invoices listed on those checks. 

I am waiting for the bank to send me the copies of the cashed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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 contacted the credit card company last month ( XX/XX/XXXX ) after noticing the account on my Experian report. I spoke with a representative to inform him that this was not my account, I've never seen a credit card with the Name XXXX. I also asked if it was possible that the bank name and card name could be different. The representative replied no, the name on the card is XXXX. I asked if there was a balance on the card? The rep stated yes, I asked if the payment was past due, the rep responded No. I then asked when was my last payment, the representative told me that my last payment was made XXXX of XXXX. I responded with it is impossible for the account balance to be current if there has been no payment in nearly a year on a card that i have never seen nor used. I then filed a dispute with Experian, the results were that the account was justified. This is not my account, per the XXXX card representative, this card was mailed to an old address where my elderly mother with XXXX lived over 2 years ago. this account does not belong to me. Please help me. Thanks

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 2024-03-25 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: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I have submitted multiple complaints against XXXX XXXX XXXX and on XX/XX/XXXX I submitted all the documents requested to do a investigation and it has been over XXXX and I have received no response back from Security Credit Services XXXX the outcome of the investigation. I need to know how long does a investigation take after providing the documents its been over XXXX months since uploading the requested documents and no response have been provided on the outcome and XXXX XXXX continues to show a debt under my name that is not mine. I am requesting a time line of when this investigation will be over I need an explanation on how long the investigation process takes and when it will be over all companies who have investigations have a time frame and you have provided no information after Ive complied to your request. This needs to be removed from my name immediately. 

Please note that my debt is not with XXXX it is with Security Credit Services. My attorney states that you would be the XXXX investigating the process we have nothing to due with Penfed and the debt YOU PURCHASED SO PLEASE PROVIDE YOUR RESPONSE SINCE YOU ARE THE CURRENT DEBT HOLDER BY LAW. 

We now have 6 months worth of evidence of how Security Services is illegally holding a debt in my name my attorney is leading through this process and each time you deviate by not addressing the issue after I have provided the steps requested and each lie will have a fine associated by courts. 

The previous response from Security Credit Services company responded Status CompanXXXX responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We have submitted your information to XXXX  to do a thorough investigation of your fraud claim. Unfortunately, they have not come back with a solution as of yet. Therefore, your account is currently placed on hold until further notice. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
On XX/XX/2024, I received an email stating the following : Dear XXXX XXXX XXXX This email is to inform you that despite our numerous attempts, we have been unsuccessful in finding a resolution with respect to your outstanding balance on your account. 
Unless a payment arrangement is reached, your file will be sold to athird party without further notice. 
CONTACT OUR OFFICE NOW TO DISCUSS A SETTLEMENT OFFER ANDAVOID FURTHER THIRD-PARTY COLLECTIONS. 

This contradicts the email sent on XXXX which states the following : Please note that you are receiving this confirmation electronically pursuant to the Electronic Communications Agreement that you signed when you entered into your Line of Credit Agreement # XXXX. 
The current outstanding balance on your account, XXXX  referred to as your XXXX Account, is {$3000.00}. 
Further to our conversation on XX/XX/2024, you have verbally agreed to the following Payment Arrangement on your XXXX Account. 

I don't understand why they are stating that they haven't been able to reach me to reach an agreement. I have done everything they asked and made my first payment of {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

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 2024-03-25 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: MD

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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