vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: IA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

Please DELETE the following account from my consumer report as it is not mine. 

TRANSUNIONXXXX 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 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 2024-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
The debt collection company : Mountain Land Collections, XXXX charged me {$170.00} for a medical bill transferred by XXXX XXXX XXXX ( on XX/XX/year> ) According to XXXX  XXXX, By restricting the amount of interest a creditor can charge, these laws are designed to help consumers avoid crippling debt and deter predatory lenders. XXXX  maximum interest rate is 10 % absent a contract, and charging more than the legal rate ( known as usury ) is a felony. 

I visited XXXX XXXX in XXXX, and the debt was sent to collections in XXXX. Even with the maximum 10 % interest rate, they have grossly exceeded the allowable amount. Additionally, they have been unable to provide a detailed breakdown of the charges, which I need to submit to my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NV

Complaint narrative:
In XXXXXXXX XXXX XXXX  I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for XXXX XXXX XXXX XXXX on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted XXXX XXXX XXXX XXXX by phone, mail, and email and was NEVER provided with any proof that the loan belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
In XXXXXXXX XXXX XXXX I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for XXXX XXXX XXXX XXXX on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted XXXX XXXX XXXX XXXX by phone, mail, and email and was NEVER provided with any proof that the loan belonged to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXXXXXX XXXX XXXX I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for Bank of the West on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted Bank of the West by phone, mail, and email and was NEVER provided with any proof that the loan belonged 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently found out I was a victim of the Equifax Data Breach and my personal information was compromised leading to improper use of my credit report which in return caused incomplete, inaccurate fraudulent accounts and information to appear on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently found out I was a victim of the Equifax Data Breach and my personal information was compromised leading to improper use of my credit report which in return caused incomplete, inaccurate fraudulent accounts and information to appear on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are errors on my credit report tied to 15 USC 16c-2. The hard inquiries listed were made without my consent and are impacting my credit negatively. I ask for their removal.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I noticed some billing mistakes. The reported late payments are not consistent with my payment habits. Kindly correct these errors and update my account details.

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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I received my Direct deposit from my work XX/XX/year>, when I checked my account in the afternoon at XXXX while I'm at work, I was shocked when I saw {$500.00} was transferred to other person chime account!! I don't recognized the account and I did not transfer any money to anyone that day. So I called chime customer service right away and reported that there is unauthorized transaction in my checking account. Someone able to get into my account and transfer money. Asked me some questions and I answered. They said they will start to investigate to recover my money. After a week I got an email that says " As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
Then I called again the customer service and asked to reopen my dispute and I submitted some important information to help and prove that I did not made that transaction. I send them my work timesheet that I worked that day from XXXX to XXXX. A screenshot of my phone 's IP address, for them to compare if the transaction comes from my phone. Screenshots of all my previous money transfer. It my history, I always used the word " loan '' when I transfer money to anyone. But this unauthorized transaction the word " owes '' was used. I also sent screenshot of that person profile and it shows he is not in my contacts. I have no idea who the person is. 
Today I received email and it has exact words when I read the email. That their decision about this matter is there is no error. This is the reason why searched in the internet how will I get help to recover my hard earned money. I make basic wage and it's hard to make money and it will disappear just like that. Chime should do better investigation and add more security in their money transfer. A lot of customers will lose money just like that and they don't do proper investigation. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: RI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX  XXXX XXXX  finance account XXXX XXXX. Ic system inc account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-07 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: RI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX equifax XXXX XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXXXXXX XXXX finance account XXXX XXXX. XXXX XXXX XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NV

Complaint narrative:
In XXXX of 2023 I was surpirsed to find that I had been a victim of identiy theft, I found that there was a Discover credit card in the approximate amount of {$2000.00} showing on my credit report, I have NEVER applied for such a card nor have I used it to make any purchases. I filed a police report and FTC report, I have contacted Discover and all the credit reporting agencies with no action from them in over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC.
State: GA

Complaint narrative:
On XXXX XXXX I while using the XXXX  app I accidentally initiated an ACH transfer from the wrong linked external account for {$400.00}. Realizing my mistake I immediately tried to cancel. I was not given an option on the app or website to cancel the transfer. The only customer service was a bot. Due to this transfer that I was prevented from stopping I incurred overdraft fees from the other bank in the amount of {$50.00}. This is unfair and unorthodox as I was not given a fair and proper way to cancel or withdraw my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within XXXX according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, XXXX of right to cancel, XXXX XXXX XXXX, etc... I signed cancelation however, this isn't new information for CFPB. 
This continues to negatively impact my credit and score due to debt being on XXXX XXXX XXXX credit card and different information being provided to each bureau for many accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
In XXXX of 2023 I was applying for a lease and received a copy of my credit report, to my surprise I found that I had become a victim of identity theft. I found a Target credit card in the amount of approximately {$500.00}, I have NEVER applied for this card nor have I used the card. I contacted TD bank and sent them a copy of a police report and FTC report but the account is still showing up in my name on credit beauros.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I identified several accounts that were added without my knowledge. Please take immediate steps to block and remove these accounts.

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 2024-12-07 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  AUTO XXXX BALANCED  {$20000.00} XXXX XXXX  XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$6500.00}

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