vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  Reports regarding the account that do not belong to me.

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 2024-04-30 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX Reports regarding the account that do not belong to me.

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 2024-04-30 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Someone has opened several credit cards in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY! 

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX XXXXXXXX XXXX XXXX # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
When making a request to make an off cycle report called twice today the phone was disconnected ( XXXX ) twice on XX/XX/year> @ ~ XXXXXXXX XXXX. 

My available credit does not reflect accurately. 

Company : CapitalOne accounts : XXXX CapitalOne XXXX CapitalOne XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX Reports regarding the account that do not belong to me.

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 2024-04-30 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX Reports regarding the account that do not belong to me.

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 2024-04-30 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I hope this message finds you well. I am writing to formally lodge a complaint regarding the recent experience I encountered while attempting to open a XXXX XXXX Checking account for my XXXX through Capital One. 

During the second step of the account opening process, I was prompted by Capital One to provide additional information. Concerned about the request, I promptly contacted Capital One for clarification today, XX/XX/year>. To my astonishment, I was informed that Capital One had unilaterally terminated its banking relationship with me. 

Moreover, when I sought an explanation for this abrupt decision, the attending agent informed me that XXXX XXXX, as a XXXX, was ineligible to open a checking account. However, the explanation provided was terse and lacking in detail, leaving me with more questions than answers. 

Allow me to provide some context : I hold a XXXX XXXX that requires a thorough background check. Throughout my professional career, I have maintained an impeccable record, devoid of any instances of fraud or involvement in any public records. Therefore, I find it deeply perplexing and concerning that I have been flagged as a red flag by Capital One without any clear justification. 

In light of the foregoing, I respectfully request your assistance in two matters. Firstly, I kindly ask for a comprehensive explanation regarding the rationale behind Capital One 's decision to terminate its banking relationship with me. Clarity on this matter is crucial for me to address any potential misunderstandings or rectify any issues that may have led to this decision. 

Secondly, I implore your support in resolving the impediment that prevents my XXXX, who is XXXX XXXX old, from opening her account. It is imperative for her financial literacy and future financial planning that she has access to appropriate banking services at her age. 

I trust that you will treat this matter with the seriousness it deserves and provide a prompt and satisfactory resolution. Your attention to this issue is greatly appreciated, and I eagerly await your response. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
A unauthorized Chime account was opened under my name in TX on XX/XX/22. I live in FL, I am the victim of identity theft and fraud. My XXXX business account was hacked and changed to a Chime account, I do my banking with XXXX XXXX XXXX. I was unable to login into my own account because they set their email up and erased mine. On XX/XX/22 I was finally able to get an XXXX support person to unlink the Chime account. I received an email in my spam folder from Chime advising that my card was on the way, a card that was unauthorized. I called Chime on XX/XX/22 and advised it was a fraudulent account opened in my name and to close it. It took me years of calling Chime to finally obtain a copy of this fraudulent account showing that the money was deposited and stolen. Chime advises that there are no transactions on the account? I can not get an answer to anything, no matter how many times I call. 

The first deposit was on XX/XX/22 for {$4000.00} into this Chime account. There was a transfer of {$2000.00} made on XXXX to a XXXX XXXX on XX/XX/22 a charge was made for {$1000.00} at XXXX XXXX in XXXX TX. On XX/XX/22 another transaction went to XXXX supercenter in XXXX TX. XX/XX/22 an ATM withdrawal happened in the amount of {$400.00}. Another deposit was made from my XXXX business account in the amount of {$1700.00} on XX/XX/22. XXXX transaction TX on XX/XX/22 for {$1000.00} and another for {$790.00} in TX, which brought the account to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
There is an inquiry on my XXXX consumer report from JPMCB that I never authorized. I have no knowledge of this inquiry. I have tried to contact them at the number listed on my consumer report and the number is not in service XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: DISCOVER BANK
State: MI

Complaint narrative:
The Discover credit card was attempted to be in the last 10 days without my consent or knowledge. I have reached out to Discover about this information but I will not find out the full scope till 7-10 days from now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A few weeks ago I called Capital One and explained my situation concerning XXXX and a terrible product I received. I asked the associate from what I've explained to you should I file a dispute because I can't return the item but it's definitely not the quality I am used to and I'm completely dissatisfied with the product I received. The associate encouraged me that yes I should file a dispute My SOLE AND ONLY reason for filing the dispute was b/c the seller lied about the quality of the product. Today I receive an update from capital one saying that the seller sent proof that I received the package in good condition and they'll be adding the charge back to my account WHAT? FIRST : I reviewed the so called " evidence '' all it says is that I received the product which I agree I NEVER said I didn't receive the product I said the product i received wasnt up to the standard the seller claimed it to be 2 : how did you come to this conclusion with the seller WITHOUT OFFERING ME A CHANCE TO GIVE ANY EVIDENCE OF MY OWN??? I have literally XXXX PDFs that include -pictures of the XXXX XXXX XXXX XXXX - screenshots of the seller lying saying it's the same product I've always purchased from them - an email of XXXX lying saying the buyer protection ended when it had not -pictures of customer reviews that agree that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX not worth the price and not the same product -pictures of hunks literally HUNKS coming out when you brush -confirmation of a previous order that was made in XX/XX/2024 that this seller is claiming is the same hair - Both descriptions of the hair I recently purchased and the XXXX from XX/XX/2024 showing the seller does not make ANY NOTE STATING THE XXXX IS ANY DIFFERENT FROM WHAT I WOULD NORMALLY PURCHASE -A screenshot from the seller retracting their statement saying it's NOT the same XXXX that's why it was cheaper than usual but NO ONE ASKED ME ANYTHING 6 YEARS capital one and this is how I'm treated? If you are considering going to capital one DON'T! THEY WILL NOT HAVE YOUR BACK YOU STAND ALONE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
There is an XXXX XXXX in XXXX MD where someone opened an XXXX account in my name, without my knowledge. I contacted the collection agency and provided proof this debt was not mine, they were not cooperative. 

. I still contest this collection, as it is very apparent that someone else opened their electric account in my name, and paid on the account from XX/XX/XXXX through XX/XX/XXXX. I researched the property in question, and found that is an XXXX XXXXXXXX. I reached out to the property management agency, and have attached a letter from the agency stating that I HAVE NEVER LIVED THERE. 

As there is issue with the lease beginning in XXXX of XXXX, I have also attached copies of my XXXX XXXX from XXXX XXXX during the periods of XX/XX/XXXX- XX/XX/XXXX. 

I again request this be removed from my credit file, as it very apparent someone used my identity to open their XXXX account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX which is the portal used to access my cards information stopped working ( for me as well many other customers ) in XXXX. 

many of the gift cards attached to my account are expiring in XXXX and therefore I am unable to use them before they expire because Blackhawk network cut my access to XXXX 

I am requesting a refund or replacement card for the amount of all my cards that are expiring in XXXX and are attached to my account XXXX. 

I have filed the ticket XXXX with XXXXXXXX XXXX from their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-30 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: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-30 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some accounts listed have inaccurate reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to complain to EQUIFAX about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX  The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights

Company response to consumer: Closed with non-monetary relief