vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to request the removal of several accounts that are not mine and have been fraudulently reported under my credit profile. As a survivor of human trafficking, my identity and personal information were compromised, resulting in the unauthorized opening and reporting of these accounts. The following accounts do not belong to me : XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 1. **15 U.S.C. 1681 Section 602 ( a ) ** I have a right to privacy and protection from inaccurate reporting of accounts that do not pertain to me. 2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** Consumer reporting agencies are prohibited from furnishing accounts without my written consent. I have attached documentation to support my dispute, including a personal statement regarding my trafficking situation and any additional records, if necessary, to facilitate your review. Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide updates on the resolution process.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am reaching out in regard to a situation that I have been dealing with for over a month now. In XXXX a company called XXXX XXXX  access both of my Chase accounts as well as my XXXX XXXX XXXX Account. They withdrew hundreds of dollars from all three accounts. The charges were no authorized as I had already paid the company any outstanding balances. 

I immediately contacted both Chase and XXXX XXXX  XXXX. All charges through XXXX XXXX XXXXXXXX were reversed and the debt card was cancelled out. I had no further issues with the XXXX XXXX XXXX XXXX. The Chase Accounts continued to have over 20 additional charges to the accounts, which not only through both accounts into negative and then placed holds on the money that had been deposited from my employers because it took days for the money to be put back. 

Although I was informed by Chase that the cards were cancelled, and the company would no longer be able to access the account the charges continued to come in and I was required to call Chase each day and let them know the charges were still coming through on the accounts. Each time I was told that the " digital wallet '' was not deleted, and they needed to complete the process again. A total of XXXX different debts cards were sent out to me, which included me paying the rush fees because it was taking forever to obtain a card. Each time I was issued a new card more charges from XXXX would come through and again I was told the " digital wallet '' was not deleted. 

Yesterday I received notification that all the unauthorized charges were going to be reversed, because according to Chase the " investigation '' showed that the charges were authorized. I did not authorize XXXX to charge my Chase accounts or my XXXX XXXX XXXXXXXX Account as I owe the company nothing. According to the letter sent from Chase they are going to charging my Chase Accounts over {$200.00} for these unauthorized charges. 

I have filed a complaint with the Arizona Attorney General 's Office, the Federal Reserve and the Consumer Financial Protection Bureau. 

I have attached the completed payments to XXXX as well as the notification from XXXX XXXX XXXXXXXX where they attempted to charge my XXXX XXXX XXXX account also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX prepaid services, because I didnt receive my funds that was deposited to my account, also I had unauthorized transactions also, my claims was denied, and requested reason for denial, which was sent to me, stating that either I did the transactions or someone I authorized to do so, I filed a appeal with a letter and ruling from a appeals judge stating that a third party gained access to my identity and account information and compromised my account also I have my credit report stating identity theft, and other reasons why denied 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 monetary relief
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2024-12-02 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: NV

Complaint narrative:
Identity theft. I have supplied police report, FTC report, passport and SS verification over 22 times through CFPB and Transunion Please investigate without using XXXXXXXX  or XXXX reporting and secondary bureaus like XXXX XXXX, XXXX or XXXX. Send me proof by mail on a through investigation. Which shows how this person signed up for these accounts proving that these accounts belong to me. This is my final warning before I take all of this to court and sue. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had a account with 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 2024-12-02 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: DC

Complaint narrative:
Transunion has yet to send over there requested information on validation of the bankrucptcy i have contacted the us bankruptcy court to get validation of the bankruptcy and was told there is no bankruptcy filed in my name with the case # transunion reporting, i have enclosed the letter from lexis nexus and well as the us bankruptcy courts informing me there is no bankruptcy filed. 

iam asking the this fraudulent all fraudulent items be removed at once from my TransUnion 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 non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account # XXXX, and {$740.00} for account # XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

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 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account XXXX  XXXX, and {$740.00} for account XXXX  XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I owe, is a violation of the XXXX, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OR

Complaint narrative:
I am writing to formally report fraudulent accounts that have been improperly reported on my credit report by Experian. These accounts are not legitimate and were not opened by me. I am requesting immediate investigation and removal of these fraudulent accounts from my credit report. 
ACCOUNT XXXX : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX ACCOUNT XXXX : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Inquires : XXXX CO Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Specific Actions Requested : XXXX. Fully investigate the unauthorized accounts XXXX. Remove all fraudulent accounts from my credit report XXXX. Provide me with a detailed explanation of how these accounts were initially added 4. Ensure that these accounts do not negatively impact my credit score Supporting Evidence : - my credit report showing the fraudulent accounts - identity theft report - Proof of identity - Correspondence with Experian regarding these accounts These unauthorized accounts represent potential identity theft and are causing significant harm to my financial reputation and credit standing. I request a thorough and prompt investigation to resolve this matter.

Desired Resolution : Immediate removal of all fraudulent accounts from my credit report, with written confirmation of the actions taken Preferred Contact Method : email XXXX XXXXXXXX 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 2024-12-02 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: AR

Complaint narrative:
I NOTICED SOME ACCOUNT LISTED ON MY CREDIT REPORT THAT IS NOT ADDRESSED TO ME, SO WHY IS THESE CREDIT BUREAUS REPORTING INACCURATE FRAUD ACCOUNT ON MY CREDIT REPORT THIS IS AGAINST THE FCRA, THESE ACCOUNT WASNT OPEN UNDER MY NAME AND SOCIAL AND ADDRESS,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting to all three credit bureaus that I owe {$770.00}. This is false because I did not give Capital One the authority to run my credit. This is fraudulent. I have been sending dispute letters to them but they are refusing to delete it off of my credit report, causing why credit score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-12-02 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 recently review a copy of my credit report and noticed two fraudulent accounts on my report, these account are not mine and need to be remove from my credit immediately these fraudulent accounts are hurting my credit and my financial needs.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation