vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: UT

Complaint narrative:
On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
I did not apply credit card to XXXX XXXX Credit Card Application. 
However, I received a letter from the company that my application has not been approved. 
I guess somebody who stole my personal information might apply credit card. 
I want to get all credit card company need to stop issuing credit cards.

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 2023-09-09 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: IL

Complaint narrative:
Hi My name XXXX XXXX XXXX having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   /opened XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and TransUnion, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX  XXXX XXXX XXXX, Tx XXXX Furthermore, TransUnion has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted 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 2023-09-08 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: TX

Complaint narrative:
I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and XXXX, and Experian regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX, Tx XXXX Furthermore, XXXX has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted 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 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Let this be the 3rd notice that I have repeatedly demanded Aargon to cease any communication with me per the FDCPA. They sent me another communication to verify the debt which I HAVE NOT ASKED FOR. I want this company to cease and desist ANY and ALL communication with me through any medium. XXXX XXXX continues to send me communication after I have told them to stop. Proof of me asking this company to stop contacting me is attached. I have filed a claim in my local justice court for this continued harassment please see 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 2023-09-08 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: MI

Complaint narrative:
On XX/XX/2023 I mailed a dispute letter to XXXX and Transunion requesting them to remove unauthorized inquiries, derogatory remarks, and late payments. Many of these accounts fall under the statute of limitation and are misreporting on my credit report. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

Also, how did they complete this investigation?

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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XX/XX/2023 {$300.00} Dollars was Stolen from my Account, Capital One 360 Checking accout XXXX ( Victim of Identity Theft ). I reported it to Capital One Bank I say around or between the XXXX or XXXX of XXXX. Capital Bank Closed my account and Denied my Claim. I reposted also to The Federal Trade Commission, Call my Locate Police Dept here in Texas Case Number XXXX XX/XX/2023, trying to prove to them, I didn't Still my own Money, the XXXX Tx PD instructed me to give them this number " they usually will give you your money back if you give them this case number ''. That Never happened. I have sense comtacted XXXX XXXX XXXX  over a Dozen times after they Closed my Account and Denied my claim, I even requested a Rebutial, They never Give me a Reason for the Dential of of the original Claim. Sense then the have been given the run around, after not excepting they way they where treating me and this claim the Flat out Told Me the There decision from the orginal Claim Stands With no Reason and after there So call rebuttal Filing... Again I filed the report with FTC, and Filed a Complaint with OCC and they referred my to you CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud 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 explanation
Consumer complaint received 2023-09-08 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: FL

Complaint narrative:
Koalafi lent me XXXX through XXXX to repair my car in XX/XX/XXXX and on XX/XX/XXXX I had already paid XXXX covering the credit in its entirety and with a higher value, I contacted them by phone to settle my credit and they told me that I must continue paying until XX/XX/XXXX, in this way they would be charging me an interest of approximately 110 %, It seems unfair and exaggerated and if I don't continue paying they will ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
I have an unauthorized and unverified inquire on my credit report with a company named tower loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I wanted to know when my account would be refunded and out of the negative balance. Because on XX/XX/23, their company had some kind of internal fraud issue, and they allowed multiple transactions to go through on my account. Even though my account was locked and at XXXX balance. Cashapp never allows any charges to go through when you have a XXXX balance. But when their company malfunctioned, cashapp pushed charges through that were pending and then rejected. So my account is now XXXX in the hole because of their internal issue. I should be refunded. Thousands of other people went through the same thing on the same day because of this issue. I reached out over their chat multiple times with no response ( screen shot included ). I also called and the automated service said they would take my number and call me when it's my turn. Well guess what? They never did, and and when I called back they said " we still have your number we will call you when it's your turn '' ). Never called back and then closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
I have attached an FTC report with a collection and fraudulent unauthorized inquires that don't belong to me. I have reached out the collection company many times. They are reporting something that doesn't belong to me and I need it deleted. This is a violation of my FCRA rights and I wont have it.

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 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I a writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask the the Item ( s ) are deleted in order to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Before any of this happened I got a call asking for my personal information without them sharing the company name or why they were calling. I said I dont feel comfortable without knowing who I am talking to. They still refused to tell me so I hung up and recalled the number and it was southwest credit systems. 
All from this year of XXXX XXXX XXXX  -Wednesday - XXXX XXXX XXXX XXXX XXXX XXXX Thursday - XXXX XXXX XXXX Thursday- XXXX XXXX XXXX Friday - XXXX XXXX XXXX Tuesday XXXX Spoke to them on Thursday XX/XX/XXXX XXXX for 25min I verbally asked them to send a letter for debt validation which I never received ( they said they sent one, not true ) and a request for the amount they claim I owe. They said they would send that out to my address and they confirmed my address. They kept saying that if I paid today it wouldnt damage my credit score and that if I waited I would be sent to the credit bureau. In response i said I was not going to pay a debt that very well may not be mine and that I dont even have proof of debt. 
They have since called me from numbers XXXX ( XXXX ) XXXX on XX/XX/XXXX and XXXX ( XXXX ) XXXX on XX/XX/XXXX a Saturday And again on Sunday XX/XX/XXXX XXXX ( XXXX ) XXXX I did look up and they are not supposed to contact me for a few days after initial contact, right? 
XX/XX/XXXX @ XXXX XXXX Called again XXXX @ XXXX on XX/XX/XXXX Again XX/XX/XXXX same number at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX at XXXX XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX @ XXXX Im sure come Monday Ill have more calls to add to the list. That is another thing that goes against the fdcpa rules, correct? 
Ive been dealing with constant calls. And I dont even know if this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: GA

Complaint narrative:
I've reported the original creditor which was time payment and it was taken off and then they have sold it to a multiple collections companies and I have to keep fighting them. Atg was the last collection company and I had it removed. Atg has proceeded to change the amount to add this identity theft collection back to my credit profile. I don't know what type of account this is and I've asked several times for proof of what type of account this is and the only thing they send me is a payment schedule they don't tell me what kind of collection is this. I don't know if it's a credit card a loan I'm not for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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 have attached an FTC report with fraudulent unauthorized inquiries, this is the third time I am sending this in and EQUIFAX sends me back a report saying they are deleted but thy are NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: OH

Complaint narrative:
XXXX indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my 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 non-monetary relief
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and XXXX closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home

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 2023-09-09 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: WI

Complaint narrative:
I have contacted XXXX, Equifax and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.

Company response to consumer: Closed with non-monetary relief