vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
sent a death certificate to Navient in spring XX/XX/2016 ..requested a cancellation of the parent plus loans as my spouse and I have poor credit and could not qualify or make payments .. Navient ignored the request and recast loans in me and my wife`s names...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Vanilla gift card XXXX XXXX case XXXX XXXXXXXX I just opened ( see picture ) a gift card from XXXX ( purchased at XXXX ) and the balance was XXXX. When I put in the card number and information, it showed it was activated and used for XXXX, I did not make or authorize this purchase and never heard of XXXX. I XXXX XXXX and nothing was found online, this is not a company or merchant!! I have requested a new card with {$100.00}. 

I called the customer service line and spoke with a person, he opened my case and told me to submit the attached documents. I am attaching the front and back of the visa card I just opened TONIGHT and my DL to open the investigation. Once the investigation was opened I tried to put in the card information to get the details for the account and the card is inactive so I don't have the details on the fraudulent transaction. I XXXX  vanilla fraudulent changes and this seems to be a common problem I didn't see the results that most of the complaints were resolved by returning the stolen funds. 

This was a gift card and I wasn't given the receipt but I will ask my daughter to attempt to find the receipt or get the transaction register from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be completely deleted from my history because it is not mine, it hurts me

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 2023-09-22 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2023-09-22 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: TX

Complaint narrative:
I ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for XXXX and Experian. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

has violated my rights. Or a list of inquiries : 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no idea what that is and I want it removed. 


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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote EQUIFAX on XX/XX/XXXX. I sent my disputes certified mail. This company has not responded in the past 45 days. 

I have recently become aware of several unauthorized inquiries on my credit report that I do not recognize. I have not conducted any business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates
State: AR

Complaint narrative:
Well I have tried numerous of times to discuss my situation which I just got released from XXXX  in XXXX of XXXX and have been XXXX  since XXXX of XXXX so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them XXXX  and XXXX  and XXXX XXXX XXXX only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is XXXX XXXX XXXX when im being told to get thus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Well I have tried numerous of times to discuss my situation which I just got released from XXXX inXX/XX/2021 and have been XXXX since XX/XX/2011 so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them shackles and restraints and restrictions of authority only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is I ... XXXX when im being told to get thus grass with a hoe tool or pick it by hand

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had to dispute a merchant transaction. They found it in my favor and claim the funds were posted back to my account. This is not true. I've gone through the transactions and it's never been posted. They have had multiple outages and I don't have any other way to get resolved. 
{$23.00} XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX There have been many mispelling of my name. Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY Please correct my credit reports

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 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a notification on XX/XX/XXXX from XXXX XXXX that my CITI Best Buy account was closed, when I called I spoke to 3 people, the first time I was told that it was sent to me via my CITI account, I checked, and nothing. On the 2nd call, the manager ( XXXX ) was so rude that I asked to speak to his manager. Once his manager came on, he told me it was emailed to XXXX. I checked the spam and regular folder in multiple ways, searched by name, date, and anything related to Best Buy or Citi Bank, and nothing. I reached out to the CEO of Best Buy and Citi and spoke to Citi 's corporate team, if I had received notification I would have used my Best Buy card if I would have received notification. I did not receive any notification until the final notification that they are not changing their mind but I can reapply, this not only hurts my credit by closing an account with no notification giving, but opening an account will ding my credit as well. I am opening a business of my own and need my credit to obtain a loan, CITI bank has ruined my credit, I did speak to an attorney, and he advised me before taking legal action to file a complaint first. I have the documentation to provide on what I did receive and my XXXX XXXX notification, which came in XXXX and my account was closed in 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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I Had noticed unauthorized XXXX transfer going out of my Chase account. But due to work, the time frame i get off and the fact i had to go directly to chase rather then call i had to delay my visit. I even asked if i could block or stop any XXXX and was told i couldn't and i would have to come in. After reviewing my account, i had multiple XXXX transactions that i did not make, They occurred right after i got paid, within hours i believe, since on my paydays i would wake up and my money was already gone. They were all made to a XXXX who i 100 % do not know. i will include the letter that chase responded with after i filed my claim. It includes all the dates of transactions to XXXX. It is obvious that i wasn't the one sending out all this cash right after getting paid, even the most recent one on XX/XX/XXXX left my account in the negatives by around {$300.00}. The reason they said they couldn't help me was because every transaction was made from my device, which i will state clearly that i did not authorize any transactions to XXXX, and that they couldn't prove it was fraud.I believe my phone was hacked or something happened that allowed someone to get into my account, which i have now done a full factory reset to fully wipe everything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
SUMMARY : Capital One has not provided me with information on a fraudulent account, as required by the Fair Credit Reporting Act, after almost two months and numerous letters and calls. 

In XXXX, I discovered through pulling my XXXX XXXX consumer report that a fraudulent bank account ( either checking or savings ) had been opened using my name and Social Security number at Capital One. The account had already been closed, but was appearing on my banking history report. 

On XX/XX/2023, I sent a letter to Capital One via certified mail requesting information on the account, written confirmation that it was closed, and written assurance that I was not responsible for the account. My FTC identity theft report and my XXXX file disclosure were enclosed in that letter. 

Hearing nothing, I followed up on XX/XX/2023 via telephone. The representative informed me that the documents were received, but were not eligible to be processed because, as she informed me, Capital One does not accept documents by mail. This surprised me. She said that I could re-submit my request via fax only, and must also include copies of two forms of identification. She also cautioned that Capital One reserved the right to deny my request and require a subpoena from a court in order for me to receive these documents. This also surprised me ; I thought that the Fair Credit Reporting Act required companies to provide information to victims of fraud. Nonetheless, I submitted the requested information via fax later that same day, XX/XX/XXXX. 

Still hearing nothing, I followed up again on XX/XX/XXXX via phone and asked about the status of my request. The customer service agent was unable to provide me with the status, and said that my request would be re-submitted and that I would receive a letter in 10 business days. 

I have still not received the letter, and this is now far past the 30 day window for the company to complete an investigation, and I have not received the requested documents.

Company response to consumer: Closed with explanation