vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from XXXXXXXX XXXX. Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Account opened in my name at Wells Fargo. I did not open this account and I have a freeze on all three credit reports. Despite me calling twice this account is still opened and no information has been provided. No explanation on to how someone was able to open an account in my name when there is a freeze on my credit.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from XXXXXXXX XXXX  Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

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 2024-12-17 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-12-17 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: FL

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 XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX 3rd party refused to surrender account approval to I. Credit card Phone service says application is under review against federal equal credit opportunity act. Credit file says access is granted for charge card XX/XX/year>. Web page was exploited to show application under review ( denied ) instead of 2nd party democratic designate approved. I complained to media inquire free press for communication assistance with receiving application submission approval and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

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 non-monetary relief
Consumer complaint received 2024-12-17 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: KY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately Account : XXXX XXXXXXXX Account XXXX - This account is being reported inaccurately, please remove this from my credit report 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
I was involved in a XXXX XXXX crypto currency scam which began in XXXX, XXXX. The girl claimed to be in gold currency exchange. She was going to help me in the investing. She worked me through a process where I wired money to an app online called XXXX. In the XXXX account. The first wire transaction was from XXXX XXXX  account to XXXX on XX/XX/XXXX for {$5000.00}. There it was converted to crypto currency and transferred to the scam website XXXX where I made gold currency exchanges. I was prompted to add more money to the account by the scammer. I wired another {$10000.00} from XXXX to XXXX on XX/XX/XXXX. Again, in XXXX it was converted to crypto currency and transferred to the scam trading platform. Eventually after success I was prompted to add more money. Fearing I was caught in trouble or a scam, I attempted to withdraw a small amount of money from XXXX  to make sure it would go through. The transfer occurred XX/XX/XXXX for {$580.00}. After the success of the transfer, I was more trustful and attempted another wire transfer to XXXX around the date XX/XX/XXXX. I learned that the XXXX account was locked and they were requesting information where the money was coming from/going to. I attempted to give them information and was met only with the cancellation of the account. I could not get their customer service to speak to me as to why it was closed. Wrongly believing it was closed because I was not utilizing the account enough, I was prompted to set up a similar account with crypto dot com app. I set up the account and wired {$20000.00} from XXXX on XX/XX/XXXX. From there it was converted to crypto currency and saved in their XXXX online wallet. From the wallet it was transferred to the scam website. Ultimately I was prompted to add more money and no longer believed I was working with a legitimate source. I attempted to pull my money out of the scam site and upon doing so, their " customer service '' told me to wire an amount worth 10 % of all the money I " earned ''. At that point I began the process of reporting the scam to every agency I could. I was most recently prompted to inform XXXX to see what they could do. After speaking with them, they informed me they couldn't do anything to recall the money transfers. I have not attempted to reach out the XXXX or the Cypto businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
*Request for Blocking and Removal of Fraudulent Information Due to Identity Theft** Dear CREDIT BUREAUS, I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the XXXX data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report.

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 

XXXX XXXX XXXX XXXX  - identity theft, please delete XXXX XXXX XXXX XXXX XXXX - XXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed infrmoation, or delete the item from the fie accordence with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency recieves the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX Identity theft please delete XXXX XXXX XXXX XXXX XXXX XXXX  - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed infrmoation, or delete the item from the fie accordence with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency recieves the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX identity theft, please delete XXXX XXXX XXXX identity theft, please delete XXXX  -inquiry -inaccurate identity theft, please delete

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :

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 2024-12-17 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Open XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open FCRA violations : account not mine XXXX XXXX XXXX {$14000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  {$1400.00} Date opened XX/XX/XXXX FCRA violations : inquiries not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
I always pay on time. I am sure of this. What I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b, any billing error should be corrected and updated to " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
Subject : Notice of Dispute Regarding Inaccurate Bankruptcy Records To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading bankruptcy information currently being reported on my consumer report. This information is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and completeness in consumer reporting.

The disputed bankruptcies are as follows : Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Why This Information Is Inaccurate Both of these bankruptcies were dismissed, meaning they are legally invalid and should not appear as unresolved or active on my consumer report. Reporting this inaccurate information harms my financial reputation and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting.

Actions Required Under FCRA 611 ( a ), I am requesting the following actions : Conduct a thorough reinvestigation of the disputed bankruptcy information.

Verify the accuracy of the information with the original source.

Remove these records immediately from my credit report if they can not be verified or are inaccurate.

Additionally, please provide me with written confirmation of the results of your reinvestigation and a statement that these records have been deleted, if applicable.

This dispute is made pursuant to my rights under the FCRA. You are required to complete your reinvestigation within 30 days of receipt of this letter. Failure to do so will be considered noncompliance with federal law, and I will take further action if necessary.

Please send all written responses to my address or via email at XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
date XX/XX/year> amount of XXXX for XXXX XXXX i reserved a ticket through XXXX XXXX upon my arrival to the airport i was informed that XXXX XXXX cancelled my ticket without my permission and told me to call my credit card to dispute the charges i call my credit card and dispute and they favor the merchant despite me providing information that show XXXX XXXX cancelled my flight so i shouldnt be charged XXXX XXXX the one cancelled my flight not me i request a full refund from my credit card its disappointment when my credit card after dispute favor the merchant dispute me provide evidence that XXXX XXXX is the one cancelled my flight not me i want a full refund

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-17 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:
Ive noticed unauthorized hard inquiries on my credit report that are inconsistent with 15 USC 1681c-2. Please remove these errors promptly, as they are damaging my credit score.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results 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