vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a purchase for a stock footage film subscription, for what I thought was roughly {$5.00} on a european website, but was actually a {$5200.00} charge. The website omitted the cents portion of the cost on their website which made the price confusing. I then disputed the charge with my credit card company, to which every time I submitted documents about the case, they keep giving vague responses and avoiding direct answers to my dispute about the cost. I've gotten nowhere with them, and I get the impression that they are just trying to avoid resolving the dispute. 

To add insult to injury, this purchase was used to support a cancer donation video, which raised far less than the {$5200.00} I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiry. I want to clarify that I did not authorize this inquiry, nor did I provide any consent for my personal information to be accessed by this entity. 
According to the Fair Credit Reporting Act ( FCRA ) i have a right to dispute any inaccuracies in my credit reports, including unauthorized inquiries. 
I kindly ask that you investigate this matter and take appropriate action to remove the unauthorized inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
This morning, I was really disheartened to discover unauthorized inquiries on my credit report, with no explanation as to how they got there. I routinely check my report, but this time, discrepancies appeared out of nowhere. After refreshing my browser to rule out a malfunction, nothing changed. Im asking that the documents Ive sent be examined thoroughly to prevent this from happening again.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Yes, I want to file a complaint against XXXX XXXXXXXX XXXX XXXX which is now on my account/report, and I know nothing about. I know this is something fraudulent because I had done a report on another company in Texas that's on my report name XXXX XXXX and that company also, I know nothing about. I live in Mississippi and been living here all my life. I've never owned a home or had an apartment or house in my name. So therefore, I haven't had any house bills in my name. 

I've always lived with a relative and help them out on their bills by giving them money monthly. I talked to someone at a collection agency ( LVNV Funding LLC ) name XXXX. I had to pay her a dollar through XXXX XXXX, and she took a look at those debts and said there's no way I could have open those accounts because they were around the same time. Then she told me if I paid {$190.00}, she would dispute those debts, and they would be wiped off my credit report and my credit would go back up. I just thought if those wasn't my debts, why would I have to pay? So, I told her I would have to think about it, and I'll call her back. ( XXXX ) I'm just confused because the first debt at XXXX XXXX I knew nothing about, and now this company XXXXXXXX XXXX XXXX I don't know anything about. Like I said, I been in the state Mississippi all my life. I may have taken trips to Texas and other places but never lived there to pay bills or be stabled. Only motels and Air bnbs. I just want to get this issue resolved because if this is Fraud, this person needs to be stopped because this person can do this to me again. 

Note : The last time I visited Texas was around XXXX it was still covid season and haven't been there since. I been living in Mississippi all my life. If you need anything else from me, please let me know. Thanks... 
I will also upload a few tax documents from my bank that will have the addresses of me living in the state of Mississippi at those times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2024, I endeavored to update my mailing and physical address with financial institutions via online banking due to a recent relocation. However, the representative informed me that my phone number was not eligible for verification, despite it being on record since the inception of my account XXXX years prior and having been used for all one-time code transmissions. Furthermore, the system and the representative failed to activate alerts for card usage notifications, which are crucial for fraud prevention. This oversight by the financial institution potentially exposes me to fraud risks by withholding essential fraud prevention resources.

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 2024-09-11 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: CA

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 XXXX XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 antedatesvthe report by more than several 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: OK

Complaint narrative:
Subject : Unauthorized Accounts and Student Loans Fraudulently Opened by Ex-Husband I am filing this complaint to report several accounts and student loans that were unlawfully opened in my name by my ex-husband without my knowledge, consent, or authorization. These actions have negatively impacted my financial standing and credit profile. The fraudulent accounts include : Student Loans : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX Other Unauthorized Accounts : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXX I request that the CFPB investigate this matter, as these accounts were fraudulently obtained without my permission. I have not benefited from these loans or accounts, and I should not be held responsible for any balances or derogatory marks that these creditors have placed on my credit report as a result of this fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and properly remove these fraudulent accounts.

Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.!

Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX Closed account XXXX Charged off XXXX XXXX  Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX  cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX  to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you.

I have provided the companies with the FTC report. The
consumer finance protection bureau reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense Transunion?

I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
The account open date it's incorrect it show XX/XX/XXXX that account was open on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX with a balance of {$3100.00}, Account Name XXXX. XXXX XXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-12 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-09-11 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: IL

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is the second credit card that Synchrony Bank closed of mine. I have never been 30 days delinquent and they closed by Sams Club Account ending in XXXX. Synchrony did not send me any letter nor email notifications regarding why they closed my Sams Club Account on XX/XX/year>.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quest Legal Group
State: ID

Complaint narrative:
I received postal mail from " XXXX XXXX XXXX '' ( in California ) indicating that I owed a debt to a company I did not recognize and referenced an address I hadn't lived at for 13 years. When I emailed the company to dispute this debt ( using the email address from their site ), the email was rejected : Address not found Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. 

The contact page on their site directs you to XXXX XXXX XXXX in Colorado. 

I check my credit report monthly and every year, I check alternative credit reports for anything else. I've never heard of this EZLOAN When I get in to my " account '', this is what it says : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ORIGINAL ADDRESS : XXXX XXXX XXXX XXXX XXXX, ID Creditor : EZMONEY XXXX ID : XXXX Balance : {$840.00} PENDING LEGAL ACTION IMPORTANT : Your account has been internally flagged with an attempt to commit fraud due to an NSF ( ACH ) item. 

IMPORTANT : Your account is scheduled to be reported to the credit bureaus.

Company response to consumer: Untimely response