vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. 1681 c-2 ), that Experian, XXXX and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXXXXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : RESIDENT VERIFY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation
Consumer complaint received 2024-11-12 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: KY

Complaint narrative:
I am disputing several items on my credit reports, as I believe they are the result of identity theft. Fraudulent accounts were opened in my name with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX totaling over {$2000.00}. These accounts, along with associated inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, were opened without my knowledge or consent, impacting my XXXX XXXX. The earliest fraudulent account dates back to XX/XX/XXXX, and I discovered these items in XX/XX/XXXX. I have filed an FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and request removal of these items from my reports with all three credit bureaus.

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 2024-11-12 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Please see attached Documents XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 Apartment Account opened at XXXX XXXX reporting XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, an XXXX account under Helvey & Associates account number XXXX opened XXXX XXXX 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 FICO 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 # XXXX as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I have contacted HSBC multiple times over the course of two weeks and HSBC has - three time in a row - missed the promised response time and has failed to resolve the issue. This relates to HSBC review case number : XXXX. 

On XX/XX/year>, I made an international transfer in the amount of XXXX {$300.00} to an account in my name at XXXX XXXX XXXX. HSBC mishandled the international transfer as it was sent to XXXX XXXX XXXX instead of XXXX XXXX XXXXXXXX. This is the second time HSBC has mishandled my international transfer to XXXX XXXX XXXXXXXX - each time sending it incorrectly to XXXX XXXX XXXX. 
As published in the HSBC fee description, the international transfer service I used is fee free ( no fees on HSBC end ). 

Here the service was not delivered ( transfer not executed as requested but mishandled and returned to my account ) and yet HSBC reduced XXXX {$90.00} from the amount and returned only XXXX {$210.00} instead of the full amount of XXXX {$300.00}. 

I have asked HSBC multiple times to return the unjustly deducted fee of US {$90.00} for a service that was not delivered and mishandled by HSBC. HSBC has failed to resolve this issue despite multiple attempts between XX/XX/XXXX and XX/XX/year>. XXXX times in a row, I was promised a response that never came within the promised time frame. 

On XX/XX/year>, I advised HSBC that I would open a case with the CFPB, which I am herewith submitting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX  XXXX balance {$XXXX}, ( please remove these fraudulent inquiries ) XXXXXXXX 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 2024-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Money Lion claims to have an issue with payments being processed for their XXXX XXXX XXXX. The lack of payment is showing as past due on my account. The only option they have is to pay the loan in full. Money Lion has paused access to their XXXX feature due to the loan not being paid on time. The missed payment is not my fault, it is the companys fault. Money Lion has failed to notify consumers of such down issue with payment which is deceptive as a loan mispayment can negatively affect consumers credit. My Instacash payment was due on autopay on the same date my XXXX XXXX XXXX was due. I paid on time and {$XXXX} was taken as a loan payback on payday. I rely on XXXX to pay credit card payments etc. This has caused a hardship, but is not a problem as I no longer wish to use XXXX XXXX services. I wish to have the ability to pay my loan monthly payment to pay off the credit builder loan and no longer use Money Lion. Their customer service and willingness to help consumers, who they know are in need of help financially, is a lack thereof. Please step in to help consumers not become a victim of deceptive business practices from companys blocking the ability for loan payments to be made. Its not fair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have been a member of the NFCU for almost XXXX  years. NFCU suspended all three of my debit cards usaged for one year for possibly fraud from business that may have charged my accounts or i deputed a charge i did not recognized the amount. This happened between XXXX XXXX XXXX XXXX. I had direct deposit of my funds over {$XXXX} amount into my accounts every month. I dont recall them ever sending me any paperwork regard my debit cards. I spoke with a bank XXXX over the phone about this. The only think he manage to say was there were protecting me and the bank ( change debit card aleast XXXX times per request of XXXX XXXX ) I ask them if i had no acess to deit card how would i make purchases if i was out shopping, the only thing he told me was to go to bank and get cash out for my purchases or get a cash card. I very seldom carry cash on my in me. Once a month I have to go and withdraw all my monies to another bank. Again nothing received from bank about this policy. NFCU has always deny my request for any loans that I have put in an application for as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
so I Inserted {$XXXX} dollars into the atm after I checked to confirm the deposit amount it only showed an amount of {$XXXX} and not the {$XXXX} so of course I cancel the deposit and sure enough only {$XXXX} is returned from the atm! It ate the remaining {$XXXX} and it was not credited towards my account. After this I tried depositing the {$XXXX} that the machine spit out and sure enough that was deposited no issues and reflected to my account, and like I said the other {$XXXX} was never reflected to my account. This happened on XXXX  XXXX and the amount of time its took them to even conduct an audit on the atm is not acceptable, I expressed the concerns of my car payments and insurance that I would not be able to pay unless a provisional credit was placed and I was told that it would likely happen within XXXX days well that never happened. I had to cancel my car insurance and am essentially begging them not to repo my car. And this is all due to XXXX  XXXX XXXX stupid atm stealing my money. 
Ps I specifically had inserted XXXX / XXXX dollar bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX dollar bill

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 2024-11-12 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: IL

Complaint narrative:
I was informed by Trans Union of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. 
Several accounts that was not open by me. Are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA

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 2024-11-12 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: NV

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Complaint Summary : I am filing this complaint regarding American Expresss failure to comply with the Fair Credit Reporting Act ( FCRA ) in reporting my account status accurately. Despite my hand written certified mail letter that was sent XX/XX/year> requesting correction of this information, XXXX XXXX continues to report inaccurate details that negatively impact my credit profile. This has been ongoing now for the last XXXX years just a XXXX  letter will be sent but all information remains inaccurate and no proper investigation is done Issues with Reporting : Inaccurate Past-Due Balance Reporting : XXXX XXXX XXXX XXXX a past-due balance on an account that was previously charged off. Rather than reflecting this as a one-time event, they continue to report it monthly as if it were a recurring delinquency. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX is failing to furnish accurate information by continuing to report this balance inaccurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX has not corrected or deleted the unverifiable information despite my request. 
Extended Statute of Limitations : By repeatedly reporting charge-off each month, they are misrepresenting this as a recurring delinquency, misleading creditors about the true account status. 
Lack of Adequate XXXX ( MOV ) : Their response to my certified request did not provide sufficient verification to justify the monthly charge-off reporting.

Company response to consumer: Closed with non-monetary relief