vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: NH

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX checked my Experian credit file for an installment loan or new bank account. 

I do not have anything to do with this company. I have not applied for a new credit card, nor an installment loan, and have not tried to open a new bank account. I suspect fraud. 

I tried to contact XXXX, but the phone number just rings busy. I tried calling many times. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX, NH 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 2023-07-07 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Consumer Adjustment Company is reporting on my credit reports that I owe money to Advance America, {$250.00}. I have never received a phone call nor a letter from either the collector or AA. The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called AA corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, SD. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that AA confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, AA stopped doing business in South Dakota as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a South Dakota store in XXXX? The collector also told me that AA wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at AA, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from AA in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2023-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023, my Bank of America Visa Credit Card ( ending in XXXX ) was used to make the following fraudulent charges : 1. XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$12000.00} 2. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$110.00} 3. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$210.00} 4. XXXX : XXXX GA XXXX, XXXX, GA XXXX - amount of {$48.00} 5. XXXX XXXX XXXX XXXX XXXX, XXXX, GA - amount of {$43.00} These charges were reported as fraud to Bank of America on the same day, XX/XX/2023 ( Claim # : XXXX ). The two credit cards associated with this account were always in possession of the owners and were not used to make these transactions. 

In addition to being reported to Bank of America, a police report was filed with the XXXX Police Department ( Case # : XXXX ) and an Identity Theft Report was made with the Federal Trade Commission ( Report # : XXXX ). 

Bank of America has denied this claim twice. They conclude that the card and chip used for these transactions had to be the actual card. A finding that is impossible and one that I would deny and contradict under oath if needed. Additionally, they refuse to provide me with signatures used for these transactions and refuse to answer why a single transaction that in by itself is over the credit limit on this account of {$10000.00} was allowed to be made without any verification. 

Bank of America 's security features have failed to protect a loyal client of over 21 years and they are failing to take responsibility for their shortfall. I am requesting these fraudulent charges be removed from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
I contacted Experian XX/XX/XXXX to dispute open student loan accounts that were closed in XXXX. I also contacted them XX/XX/XXXX to dispute the same accounts. Each time after their investigation items come back as accurate and unchanged. I have a letter from the Dept of Education illustrating that the accounts were closed as of XXXX. Experian did not do the disputes and failed to provide me with communications that they had with the creditor. Had they legitimately investigated the dispute the Dept of Education would have sent them the same letter they sent me verifying the status of the account.

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 2023-07-07 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: GA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-07 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: CT

Complaint narrative:
On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXXXXXX XXXX! Nor did I receive any letter from XXXX XXXX. Trans Union and XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing XXXX XXXX EGRIOUS NEGLIGENCE! After the XX/XX/XXXXXXXX  CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX XXXX! Any application XXXX XXXX received was unauthorized.

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 2023-07-07 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: DE

Complaint narrative:
Experian Credit Buruea is updating the wrong information on credit report XXXX XXXX stated they sent the correct information to experian of the for closure XX/XX/XXXXXXXX  and Experican Credit Buruea keep reporting it as XX/XX/XXXXXXXX  that not correct and I provided documentation from the 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 2023-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
After reviewing my credit report, I noticed an unauthorized inquiry from Capital One. I have attempted to correct this to no avail. I have 3 accounts with Capital One and have not applied for additional accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name, address, e-mail address, phone number, etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX ) which is not mine, a name was added to the credit report profile : XXXX, a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX, XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I received a call today, purportedly by someone from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File XXXX XXXX XXXXXXXX XXXX She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer.

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i stated to XXXX XXXX i never recieved anything from them they should mail me at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX not at ouse address which i told them before and never received a call from them i got all telemarkers block automaticly on my phone and was never requested by anyone at XXXX XXXX to allow them to call so i never received mails or calls

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 2023-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX Capital One did a HARD INQUIRY on all 3 Credit Reporting Services XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 

I have NEVER had a Capital One credit card or loan. I have NEVER had any contact with Capital One before or on XX/XX/. I DO NOT WANT to do Business with Capital One EVER!!! 

I did call Capital One & they told me to do an investigation but also would not tell me how they got my SS # to pull my credit without my Concent. 

I want this REMOVED from my 3 Credit Reports & Capital One should be SUED for illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$21000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, {$7400.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX {$8300.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief