vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-09-13 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: TX

Complaint narrative:
To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : 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 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 non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/year> Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to formally complain about and dispute the accounts that NCB Management has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
1. I have a Square debit card ending in XXXX for XXXX XXXX XXXX, XXXX. 

2. I frequently use the card to purchase transportation from XXXX. 

3. On today, multiple authorizations were declined when I tried to use my card with XXXX. 

4. I only received a notification regarding one of the transactions ; not for the others. This is a problem because I should receive a notification for every decline. 

5. The email stated the decline was due to suspected fraud. 

6. There was no fraud because I did, in fact, authorize the transaction and Square should be able to see that I very frequently do business with this merchant without any dispute. 

7. I called customer service and spoke with XXXX with the misnomer " Square Customer Success. '' 8. I explained that multiple transactions were declined with XXXX  on the debit card ; that I did in fact authorize the transactions, that I was provided no option to validate and re-try the transactions, and that I am concerned about there being problems with my account due to the ( erroneous ) status of suspected fraud. 

9. She could only locate one of the transactions for {$21.00} but not the others that were declined. That is a problem because Square should have a record of all transactions. 

10. After " pinging '' the misnomer " My Advanced Support '', and lengthy holds, she provided no information about why was suspected fraud, provided no option to verify or allow the transactions, and provided no option to return the account to a secure, non-suspected fraud status, causing me to remain concerned that my account could be closed or frozen for no reason at all. Also, she said my only option is to use another card going forward. 

11. I asked for a supervisor and she said supervisors could not come on the line but could only call back. She failed to set up the call back. 

12. She provided an email summarizing the call, per my request. 

13. I said that the call back was unacceptable and I would stay on the line. She hung up on me. 

14. Before being transferred to the agent, I was promised a survey at the end of the call. There was no phone survey after she disconnected. 

15. There was a text message survey. I was not expecting a text survey and am unclear if that is what had been referenced by the automated system prior to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: UT

Complaint narrative:
I acquired a line of credit with XXXX. They've since gone out of business and sold my loan to another company. The other Company ( SST ) has warnings all over the internet about being a collections and scam company. Increasing interest and not counting payments. 

XXXX breached their own contract when they stopped making payments to my card and charged for an easy experience of getting out of debt. With the XXXX + agreement my APR was never lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I spoke with several representatives and got no resolution. Trans union has blocked me from all online access. When I spoke with the first representative, she informed me that any issues with online I would need to call XXXX. However, she could order my credit report by mail, and she stated that she could lift credit freeze in which I requested both the report and credit lift. 

I waited for about 5 minutes, and I was still unable to access my credit profile online, so I called the number provided, and spoke with the next representative whom told me that their was nothing that she can do since I was able to login in because I explain that I can login in but I can't access anything. She said that I needed to speak with XXXX XXXX XXXX and provide case # XXXX. I asked what the case # is about, and she stated that this department would be able to share that with me. She gave me the phone number of XXXX which was the phone number I originally called. 

After being transferred again to this department, I spoke with the last representative whom advised that she can't help me with online and that the last department should of assisted me. She also stated that I still had the freeze on file which she insisted she lifted and provide me a confirmation # XXXX. She also informed that she would escalate my issue and someone will be in contact 24-48 hours. As of now, I still can't access my report on Trans union or annual credit report.com.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXXXXXX XXXX XXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXX XXXX  XXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-13 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXXXXXX XX/XX/2024 ( XXXX ) XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  Please remove these inquiries from my credit report. These inquiries are fraudulent.

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 2024-09-13 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( equifax ) XXXX XXXX XX/XX/year> ( Equifax ) Please remove these inquiries from my credit report. These inquiries are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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 have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.

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 2024-09-13 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: VA

Complaint narrative:
Today I discovered an inquiry on my Experian credit report from XXXX XXXX XXXXXXXX 
I was unable to determine whether this was a hard inquiry or a soft inquiry. 
If it was a soft inquiry, I suppose my issue is with Experian for not making that clear.. 
But, if this was a hard inquiry, XXXX has violated my privacy. 
I once had a credit card with XXXX but it was closed years ago.

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 2024-09-13 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: CITIBANK, N.A.

Complaint narrative:
Case Number : XXXX Best Buy XXXX XXXX. 

I would like to dispute the results of the investigation conducted by Citibank Best Buy card company. The account opened under my name was unauthorized, fraudulently opened, using my personal information. I was not informed about this card application, I did not received notice prior to this application, nor received the physical card and the details of the account, I never activated, I was wondering how it was activated, and they were able to purchase a total amount of {$2300.00}. On XXXX XXXX, 2024, I learned that there was card application from the notification of credit reporting agency that I have a hard inquiry. Thus, I immediately acted on it and called the Citibank number and requested to close the account. I filed a police case XXXX XXXX on the same day XX/XX/XXXX and inform credit agency to freeze my credit score details. However, last XX/XX/XXXX a I received letter that investigation is close, and I am responsible for paying the outstanding balance. The agent told it was close since the purchase location is just few miles away from my address, as per the result of the investigation. I called the best buy security operation to reopen the case. Last XXXX XXXX, 2024, I received the account bill and the charges I need to pay with the due date. I made a call again on XX/XX/XXXX, to raise dispute and reopen the case. To add supporting evidence that I am a victim of XXXX XXXX, I have received XXXX additional unauthorized credit card application from XXXX XXXX,2024 that is why I acted immediately that this is a fraud. First was from XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX  ( XXXX XXXX XXXX ). I learned these card application from the notifications of credit reporting agency only. I called these banks and closed all the application. I sent mail with my supporting documents to XXXX XXXX XXXX  of Best buy XXXX XXXX last XXXX XXXX, 2024.I made call again to best buy XXXX XXXX on XXXX XXXX, 2024, I came to know that while they were verifying my personal information, it looks like the registered mobile number on their system is different, from my mobile number.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I need to apply for a personal loan, and in order to proceed, I require the freeze to be lifted so that the lender can access 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 2024-09-13 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: IL

Complaint narrative:
I recently pulled my credit report and I found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts I would like removed. I just started a business and can't get access to loans. Please remove these accounts as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX AUTO

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 2024-09-13 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Today I discovered an inquiry on my XXXX credit report from Nordstrom/TD Bank USA.. 
I was unable to determine whether this was a hard inquiry or a soft inquiry. 
If it was a soft inquiry, I suppose my issue is with XXXX for not making that clear.. 
But, if this was a hard inquiry, Nordstrom has violated my privacy.

I once had a credit card with Nordstrom but it was closed years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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