vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. 

XXXX XXXX ( Original Creditor : 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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
THIS ACCOUNT IS FRAUD. 
Account name AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$41000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit - Highest balance {$58000.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I had an account with XXXX. It was acquired by MidFirst in XX/XX/2022. The account had some $ XXXX and I did not transfer the account. They issued me a check to the address on the file. 

Meanwhile, I had moved. I had USPS forwarding but the bank had sent the check through XXXX. By the time I enquired with the tenent and got the check, it was beyond XXXX  days and the check had expired. 

I got in touch with the bank in XXXX. Here is where the ordeal starts. I have made XXXX calls. The agents all hear my story, I give them new details, agents put me on hold to talk to their supervisor, and come back with the same message - " we will mail you a new check to your new address next week '' or " XXXX of the supervisors will call you ''. No check. No calls back. 

It's not working. I don't know what else to do. Please help.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00}

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has been giving me a hard time about removing hard inquiries that were 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED 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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
Inquires that were not Authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX XXXX transit authority ) when I had been under the impression I qualified for a 30 day XXXX travel employee benefit ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. Currently XXXX requires payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history are not correct. I have attached a letter with the valid address

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history are not correct. I have attached a letter with the valid address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX To Whom it may Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. 

Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. 
XXXX XXXX {$270.00} XXXXXXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX  Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX  Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed XXXX  days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im XXXX days late. I have all documentation showing pay dates. I was never late more than XXXX  days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration

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