vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: AZ

Complaint narrative:
Urgent Request for Removal of Fraudulent Accounts Dear Experian Team, I am writing to inform you of fraudulent accounts that have been reported under my name and social security number, which I did not authorize. These accounts were created without my consent, and I am requesting their immediate removal from my credit report.

**Fraudulent Accounts : ** XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer, I am protected under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), which mandates that financial institutions and credit reporting agencies safeguard my personal information and ensure that it is not misused or disclosed without proper authorization. The presence of these fraudulent accounts on my credit report is a direct violation of these protections.

I demand that Experian : 1. **Remove the fraudulent accounts immediately. ** 2. **Cease the sharing of my personal information related to these accounts. ** 3. **Provide me with a copy of my updated credit report reflecting the removal of these accounts. ** Attached to this letter, you will find relevant documentation supporting my claim, including a Federal Trade Commission ( FTC ) Identity Theft Report, and any other necessary forms.

I also request that you investigate how these accounts were added to my credit file and take the necessary steps to prevent any further unauthorized use of my information.

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I expect a prompt investigation and resolution of this matter. Please confirm in writing that these accounts have been removed and provide a detailed explanation of the actions taken.

Thank you for your immediate attention to this urgent matter. 

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 explanation
Consumer complaint received 2024-08-18 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: MI

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> I do not recognize this hard inquiry and would like it 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 explanation
Consumer complaint received 2024-08-18 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:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Disputed the balance through XXXX, XXXX, and XXXX XXXX credit reporting companies. Capital One refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. Capital One did the same thing on my last loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: OH

Complaint narrative:
30 days ago I disputed a XXXX XXXX account that is hurting my Experian credit report I got a answer from Experian and they said that they had verified the account belong to me I don't believe it does because it is attached to a address that I have never lived at a address that I also disputed

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 2024-08-18 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:
THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS AT & T THEY MUSTVE TAKEN MY 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 2024-08-18 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: AZ

Complaint narrative:
Urgent Request for Removal of Fraudulent Accounts Dear Experian Team, I am writing to inform you of fraudulent accounts that have been reported under my name and social security number, which I did not authorize. These accounts were created without my consent, and I am requesting their immediate removal from my credit report. 

**Fraudulent Accounts : ** XXXX. [ XXXX XXXX XXXX XXXX XXXX  ] XXXX XXXX. [ XXXX XXXX XXXX XXXX ] XXXX As a consumer, I am protected under the

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), which mandates that financial institutions and credit reporting agencies safeguard my personal information and ensure that it is not misused or disclosed without proper authorization. The presence of these fraudulent accounts on my credit report is a direct violation of these protections. I demand that Experian : 1. **Remove the fraudulent accounts immediately. ** 2. **Cease the sharing of my personal information related to these accounts. ** 3. **Provide me with a copy of my updated credit report reflecting the removal of these accounts. ** Attached to this letter, you will find relevant documentation supporting my claim, including a Federal Trade Commission ( FTC ) Identity Theft Report, and any other necessary forms.

I also request that you investigate how these accounts were added to my credit file and take the necessary steps to prevent any further unauthorized use of my information.

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I expect a prompt investigation and resolution of this matter. Please confirm in writing that these accounts have been removed and provide a detailed explanation of the actions taken.

Thank you for your immediate attention to this urgent matter.

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 explanation
Consumer complaint received 2024-08-18 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am disputing these agencies claim : ( Midland Credit Management Acc # XXXX ; ( XXXX XXXX # XXXX ; And I am requesting validation from you pursuant the Fair Debt Collection Practices Act,15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which Im allowed under the FDCPA. XXXX has continue to report this on my credit knowing they did not receive proper documentation neither did the consumer receive documents for these account to be added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, XXXX, and Experian. All of the aforementioned items were not opened, made, or initiated by me.

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) 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 explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
Debt was charged off years ago, now new company making claims against our property threatening foreclosure. Documents submitted to clerk of courts are falsified. Debt does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland XXXX XXXX and XXXX XXXX with the same midland company over these debts. I sent a letter for me to appear in court never have I opened an account with them but I noticed it was the same place I only receive oil changes. I requested the information and before I received the information I received a letter saying Im being sued for XXXX I just dont know what to do next.. I report fraud and I also froze my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I signed up for a checking account via a friends referral link for a {$200.00} bonus with a direct deposit of {$1000.00}. I completed the requirement and even received the email confirming this. I reached out to customer service on XXXX to confirm I would be receiving the bonus. They stated it didnt correctly process when I opened the account, but if I provided the link and name of the referring person that they would submit for consideration. They came back on XXXX and said its already been used and cant be used more than once which is a blatant lie. I asked them to respond with any proof of this in their terms or conditions, which cant provide. 
Per their terms and conditions below, Referral links can be used UP TO TEN TIMES.

Here are terms and conditions for the referring party : Existing Customers Referral Bonus As an existing customer with an open Rewards Checking account through Upgrade ( Existing Customer ), you can receive a Referral Bonus ( defined below ) after a New Customer ( defined below ) uses your unique referral link to ( 1 ) open a new Rewards Checking account by the date presented to you ( Offer Period ), and ( 2 ) complete three ( 3 ) eligible purchases with the Rewards Checking debit card within ninety ( 90 ) days from account opening ( a Qualified Referrall ). For each Qualified Referral, you will receive a referral bonus in the amount presented to you if the New Customer you referred opens a new Rewards Checking account by the Offer Period ( the Referral Bonus ).

Your unique referral link will be accessible in your Refer a Friend Dashboard. By sharing your unique referral link, you expressly acknowledge and agree that Upgrade may, in its sole discretion, disclose limited nonpublic personal information about you to any customer you refer for purposes of offering and servicing this Program.

You may see the status of any Referral Bonus in your Refer a Friend Dashboard at any time, including whether the Referral Bonus is still pending or has been credited to your Rewards Checking account. You must have a Rewards Checking account that is open and in good standing in order to receive a Referral Bonus for a Qualified Referral. You can earn a maximum of ten ( 10 ) Referral Bonuses from all Qualified Referrals in one calendar year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-18 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: WA

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.

Account name : XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

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 2024-08-18 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: WA

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.

Account name : XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian deleted my entire credit history notification from the last 3! years. This information was proof of credit sabotage and harassment. Recently I have noticed the same pattern where account information is not being. reported correctly. Since I have reported the notification issue Experian have not notified me of a collection being removed. XXXX XXXX  was reported and points were decreased. The account have recently been removed and the score didn't not increase and there was no notification of this account being removed. When means there was no credit score increase. This can not continue to happen. I will keep striving to raise awareness of Credit Bureaus practicing Credit Sabotaging and Harassment which I believe is XXXX profiling. It is definitely harassment. This matter needs to be corrected 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the balance through Experian, XXXX, and XXXX XXXX credit reporting companies. XXXX XXXX refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. XXXX XXXX did the same thing on my last loan account.

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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One credit card is trying to penalize me on something that I try to dispute. Did not want to proceed on with the dispute of my lost credit card that was used out of states. Now they aren't trying to charge me for the diligence on the credit card that was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NY

Complaint narrative:
THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS XXXX XXXX XXXX THEY MUSTVE TAKEN MY INFORMATION

Company response to consumer: Closed with explanation