vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF XXXX XXXX AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I applied for a secured credit card using my passport and ITIN letter as identification. My application was approved, and I submitted an {$800.00} security deposit as required. After receiving the card and starting to use it, I was informed by customer service that my account was locked and I needed to provide a U.S. drivers license or state ID to unlock it. 

During the application process, I was told that a passport was sufficient as a form of identification. I have already sent my passport as requested, yet customer service has indicated that it might not be accepted. 

I kindly request that my card be unlocked based on the identification documents I was originally told were acceptable, so I can continue to use my account as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: ND

Complaint narrative:
I am writing to formally request the removal of the account listed below from my credit report. I have been a victim of a data breach, and the information used to create this account was obtained without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts blocked and permanently deleted from my credit report. 
Fraudulent Account 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 explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-16 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: ND

Complaint narrative:
I am writing to formally request the removal of the account listed below from my credit report. I have been a victim of a data breach, and the information used to create this account was obtained without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts blocked and permanently deleted from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm in regard to inaccurate information that appears on my Equifax, XXXX, & XXXX consumer report. After reviewing my report, I discovered over 30 items incorrect with one account that is reporting delinquent and over 120 days past due causing my credit score to be severely impacted. I disputed the inaccuracy with XXXX and they verified the information was correct. I requested a reinvestigation and XXXX responded they were no longer responsible for the account.listed below are inccorrect information regarding my student with XXXX XXXX 

Account # XXXX over 190 days past due From XX/XX/XXXX XXXX XXXX This report has 24 months Reporting XXXX data Available '' in XXXX this report shows XXXX XXXX payments were made on time but in XX/XX/XXXX this report reported a XXXX late payment and XXXX a XXXX late payment. In XXXX From XXXX - XX/XX/XXXX were reported as one-time payments and XXXX reported 90 days late sept 120 days late XXXX ( 150 days late ) XXXX ( 180 days late ) XXXX { No data Available ). 
in XXXX XXXX ( No data available ) XXXX XXXX XX/XX/XXXX ( All on time payments ) XXXX ( 90 days late ) XXXX ( 120 days late ) XXXX ( 150 days Late ) and XXXX XXXX XX/XX/XXXX ( No data available ) XXXX & XXXX reported ( No data Available ) March 2024-July 2024 all reported on time and XX/XX/XXXX reported ( 90 days Late ) XX/XX/XXXX reported ( 120 days late ) XXXX & XXXX Reports ( No Data available ) XXXX has been inaccurately reporting late payments and unable to provide information for over 24 months of payments that can't be verified. This company reported the first delinquency was on XX/XX/XXXX but reported payment was received on time. this report is wrong and violates so many consumer laws. the impact that XXXX loans full of inaccurate information being reported 190 days late on my credit has caused so much debt XXXX, paying higher interest rates, denied for adequate housing has effected mentally, emotionally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: TX

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 Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name:XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX and 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 2024-11-16 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: TX

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 Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name:XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MA

Complaint narrative:
{$81.00} dollars was adding to my account and lower my credit i don't really where it comes from..I think it's a fraud

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
I have been challenging these bogus and erroneous accounts. I also attached an FTC in my previous claim, which I am attaching again in this dispute, I am also attaching my notarized identity theft affidavit. This is my final dispute with this account ; following this, I will proceed to civil court in my state of New Jersey to file a claim against your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
I have been challenging these bogus and erroneous accounts. I also attached an FTC in my previous claim, which I am attaching again in this dispute, I am also attaching my notarized identity theft affidavit. This is my final dispute with this account ; following this, I will proceed to civil court in my state of New Jersey to file a claim against your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: NE

Complaint narrative:
This company has been harassing my mother with non stop phone calls, looking for me. This was going on for weeks before they learned how to read and began harassing me with repeated phone calls and XXXX information. XXXX times a day to my mother! Who doesnt pay my bills or have anything to do with a supposed debt I owe. They have NEVER contacted me with any information regarding my supposed debt, never provided any written notification of alleged debt, call my phone XXXX times a day, never leave a voicemail, and again, they have never provided ANY information about the supposed debt they are harassing me for. 
Harassment is illegal, not providing any information is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: WI

Complaint narrative:
At approximately XXXX ( central time ) on XX/XX/XXXX I received about XXXX emails in a XXXX XXXX  time period for things I had never subscribed to. I also received a emails from my phone carrier ( XXXX  ) about changes on my account that I did not make. I called XXXX to discuss this and someone had in fact changed what phone was linked into my account. My phone had become unusable except for on wifi, so I was calling on my wifes phone. They helped me switch everything back. 

I also received an email from XXXX XXXX XXXX XXXX about a new inquiry on my credit report with Trans Union. The inquirer is listed as XXXXXXXX XXXX XXXX and it occurred around the same time on the evening of XX/XX/XXXX. I did not initiate this inquiry. 

I have since changed some passwords to my accounts, froze my credit with the XXXX major bureaus, and opened a credit karma account to assist with monitoring. 
At this point, I have not had any money taken from any of my accounts, there are no unrecognized charges to my credit cards, and I do not notice any new debt/loans opened. I do also have a screenshot from my Spectrum app that I have international data being used in the XXXX XXXX, which I have never been to.

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 2024-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
I am a victim of scam. Seller perpetrated a " same-zip-code '' scam using a non-related tracking XXXX XXXX tracking number is NOT for my Name, Address, Proof of Delivery Pic not my house. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Shows XXXXXXXX XXXX. - NOT XXXX. 
XX/XX/24 Placed an order for an XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX emailed me XXXX XXXX XXXX XXXXXXXX. XX/XX/24 XXXX emailed advising pkg. delivered. I did NOT receive the package. I checked XXXX tracking website & website showed pkg. with this tracking number was delivered on XX/XX/24 @ XXXX XXXX. and had pic of pkg. at a front door. Pic was not my front door. I drove thru my neighbor hood looking for pkg. No such front door in my neighborhood of XXXX houses. I called XXXX & was told that the tracking number does not belong to my name or address. Only details XXXX would provide was that this was an XXXXXXXX XXXX weighing XXXX lbs. XXXX did send me an email on XX/XX/24 stating tracking # XXXX does not belong to me or to my address. 
XX/XX/24 Contacted the seller thru XXXX ( only response : Pkg. delivered ) XX/XX/24 Filed complaint with XXXX. XXXX denied my claim. I file appeal. XXXX denied appeal on XX/XX/24. 
XX/XX/24 Filed dispute with Discover Credit Card. XX/XX/24 Discover denied claim. XX/XX/24 Filed appeal with Discover. 
XX/XX/24 Filed complaint with XXXX. XXXX stated I would have to contact XXXX. I told them shipment thru XXXX XXXX. They said there was nothing they could do since, I nor my address shown on shipping docs. 
Everyone taking Seller 's word. He has only provided a XXXX XXXX number - no shipping label showing my name & address. I only have email from XXXX stating this tracking number does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX she says in XXXX credit card department XXXX XXXX ext. XXXX also from XXXX lied when she told me credit card theft by XXXX XXXX from XXXX are XXXX cards and my mortgage are with XXXX since XX/XX/XXXX. XXXX XXXX squatting since XX/XX/XXXX. Through capital one in XXXX charged me twice my paying the full amount of my credit card bills several times and admitted they owed me from overpayments and just dragging on two claims while XXXX never provided any credit card claims told me she was working on it, A Lie. XXXX just notified me under consumer XXXX that they cards are from capital so when will capital one be honest tell the truth or be fine by the CFPB because appears you assisted XXXX XXXX and XXXX paying on an Fake mortgage loan XXXX in my name on my property through XXXX. They both should be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

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 Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account XXXX and 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