vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Left on the account. On XX/XX/year> I requested a refund of the {$310.00} balance. They stated that they would transfer it to my checking account and asked for my routing information. To this date, I have not received the credit balance And every time I call, they say that they can see where it was requested, but it was never given to me and they cant explain why. The last phone call I need to them was today XX/XX/year>. After placing me on hold several times, she hung up on me during one of the whole times and never called back.

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 monetary relief
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-11-25 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 implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-11-25 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove inaccurate personal information reporting on my behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove inaccurate personal information reporting on my behalf

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I purchased a car on XX/XX/year>. I was told that after 30 days, the hard inquiries for that loan should consolidate. Im still showing XXXX hard inquiries. XXXX of the XXXX inquiries consolidated but the other XXXX did not.

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 2024-11-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the reappearance of XXXX XXXX  XXXX accounts on my Equifax credit report, These accounts were removed, as confirmed in a letter from Equifax dated XX/XX/year>, which I am providing as proof. Despite this, the accounts were reinserted without notifying me, verifying their accuracy, or conducting a proper reinvestigation, violating the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 5 ) ( C ), 1681b, 1681c-2, 1681e ( b ) ). This reinsertion has caused confusion and negatively impacted my creditworthiness. I have also submitted proof of identity theft, which should have resulted in these accounts being blocked, yet Equifax failed to comply. These actions violate their duty to ensure maximum accuracy and safeguard my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
UPON ME APPLYING FOR AUTO INSURANCE I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
While at citi bank on a Sunday XX/XX/XXXX XXXX 2024 at approximately XXXXXXXX XXXX to XXXX XXXX a period which presented themselves as a cit bank sercurity guard stated that its a problem with the atm not working properly and instructed me to try the atm at the drive through window outside away from the lobby area, this was around XXXX XXXX  XXXX XX/XX/XXXX sunday and this was After i typed my PIN numbers in, once I typed my PIN number in this individual rushed to the screen and started tapping on it saying its not working use the one in the drive thru Once i left to go to the drive thru this individual a XXXXXXXX XXXX male about XXXX ft to XXXX medium build, XXXX skin in a green vest with the word security on it proceeded to the same atm i was at while i was walking out of the lobby to the drive thru atm once at the drive thru i atempted to make a withdrawal and the message came back insufficient funds this was a account the had over XXXX dollars in it when I left to go ro the back now shows XXXX and some change shortly after that I noticed the security guard was gone with the vehicle that was parked outside and at that point I received a alert saying XXXX had been withdrawn from my account. I immediately followed up by calling the fraud department and explained what had happened and who was in the lobby dressed as a citi bank security guard. The citi bank fraud department said they would investigate the incident and provide a provisional credit for the amount pending a investigation which could take up tp 45 days. On XX/XX/XXXX XXXX days after the incident I received a message from the bank stating my funds woul not be reimbursed. I meet with the bank branch manager who disclosed to me this was a scam this had happened before at various banks and citi was aware the bank mgr name is XXXX XXXX AT XXXX XXXX XXXX XXXX illinois. I filled a police report with XXXX police the report number is XXXX The officer who take the complaint is badge number 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 monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit profile, as they were opened or used fraudulently without my authorization. These accounts include : - **Account Name : ** XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ** XXXX - **Account Name : ** XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX These accounts do not belong to me, and I have no knowledge of their opening or usage. I suspect fraudulent activity has taken place.

**Actions I Have Taken : ** 1. I have already contacted the creditors associated with these accounts to inform them of the fraud.

2. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter.

3. I have placed a fraud alert on my credit file with the credit bureaus to prevent further unauthorized activity.

I kindly request that the CFPB assist in investigating this matter further and ensure the erroneous information is removed from my credit report promptly. Please let me know if you require any additional documentation, such as the FTC Identity Theft Report or a police report, to proceed with your investigation. 

Thank you for your time and assistance in resolving this matter.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. And I was informed by XXXX and XXXX that my information has been apart of a Data breach. After careful review of my credit report I have noticed several inaccurate reporting accounts. I have attached for your review. Please remove these accounts immediately for it is damaging my financial reputation. 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 non-monetary relief
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. And I was informed by EQUIFAX and XXXX that my information has been apart of a Data breach. After careful review of my credit report I have noticed several inaccurate reporting accounts. I have attached for your review. Please remove these accounts immediately for it is damaging my financial reputation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Inquiry Dispute Regarding Potential FCRA Violation Dear Experian Dispute Department, I am writing to formally dispute several inquiries on my credit report, as I have serious concerns regarding potential violations of the permissible purpose provisions of the Fair Credit Reporting Act ( FCRA ). 

The inquiries I wish to address are as follows : XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX the FCRA, you are required to ensure that any credit inquiry reported in my file is made for a permissible purpose and that you can provide documentation supporting this claim. I request that you either furnish proof that you followed the necessary legal procedures when contacting these companies or remove these inquiries from my credit report immediately if they are found to be in error. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,

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