vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Bank Credit Cards XX/XX/year> Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2024-12-11 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:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Credit Cards XX/XX/year> Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2024-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX, and I am exempt from property taxes in Texas. Freedom Mortgage disbursed money to the county tax office for property taxes. They claim they see I am 100 % exempt but still will not remove the negative tax balance from my account I spoke with them on XX/XX/XXXX. They called me on XX/XX/XXXX and told me it was fixed, and I would have a new escrow analysis by XXXX. it is now XX/XX/XXXX, and this is not fixed. I contacted them, and they are still not fixing the issue.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint due to the ongoing inaccurate reporting of these accounts by Comenity Capital Bank, despite multiple dispute attempts over the past five months. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. The details of each account and the errors are as follows : 1. CCB/DELL Account Number : XXXX Issue : This account is inaccurately reported as a charge-off/collection with a {$0.00} balance. 

Specific Errors : Inconsistent High Balance Reporting : XXXX shows {$1800.00}, XXXX shows {$0.00}, and XXXX shows {$2000.00}. 
Comments : Incorrectly noted as " Charged off account transferred or sold '' despite having a zero balance. 
FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is not accurate or complete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to correct the information within the 30-day investigation period. 
2. XXXX Account Number : XXXX Issue : This account is reported as negative even though it is open and current. 

Specific Errors : Incorrect Balance Reporting : XXXX and XXXX report a balance of {$490.00}, while XXXX shows {$460.00}. 
Inconsistent Monthly Payments : XXXX reports a monthly payment of {$30.00}, while XXXX and XXXX report {$37.00}. 
Past Due Status : Incorrectly shows as 2 days past due on all bureaus despite being current.

FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Failure to thoroughly investigate and correct inaccurate information after disputes.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete the account when they could not verify the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: OneMain Finance Corporation
State: PA

Complaint narrative:
They accounts were on fraudulently opened. I tried to dispute it with the companies involved but they were not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks

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 2024-12-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-12-11 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:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent 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 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 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 2024-12-11 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: CA

Complaint narrative:
I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} Fraudulent Inquiries : 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 2024-12-11 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: CA

Complaint narrative:
I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase Bank, I am writing to formally complain about an unresolved Chase Freedom Credit Card account issue. On XX/XX/year>, I redeemed my points for three digital XXXX XXXX XXXX totaling {$130.00}. Despite numerous calls to Chase customer service and three escalations of my case, I have yet to receive the gift cards. 

Whenever I contact Chase, I am told to wait " 2-3 business days '' and call back, but no progress has been made. This lack of resolution is unacceptable, especially during the holiday when access to these gift cards is essential. 

I kindly request that Chase either : Deliver the three digital XXXX XXXX Cards immediately, OR Refund the points I redeemed to my account. 
Please address this issue promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Synovus Bank
State: GA

Complaint narrative:
It appears that XXXX XXXX  was charged off and sold to a collection agency in the amount of {$430.00} however I do not know who this company is. I would like for this account to be removed from my credit file as it negatively effects my score. The account was never paid according to the payment history. It was opened in XXXX XXXX XXXX  reported 30 days late in XXXX and charged off in XXXX which was only 60 days from the date of opening which is a huge red flag seeing as I never had an account with this company and how is an account reported in only 60 days. This is not my account and I want it deleted from my account. Also They send back a reply stating that I don't have proof that the account isn't mine but how can I have proof of something I have no knowledge of? Please remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today XX/XX/XXXX at XXXX I called Wells fargo to solve a dispute that had just been closed today. The dispute in question was for {$340.00} for XXXX XXXX in the country of XXXX XXXX. I sent a letter and evidence to Wells Fargo explaining the situation and why I believed the amount should be credited to my account yesterday XX/XX/XXXX. But in less than 1 day I got a decision in my inbox stating that the claim had been denied because I accepted the services. I did not accept any services period. I was forced to pay the service fee under extreme circumstances. Today I spoke with XXXX a supervisor in the claims department and he was not willing to help and told me that the dispute would not be reopened and he was firm without any other options. I asked him why and he just told me that it would not be reopened. I asked to speak to somebody else and he told me that there was nobody else to speak. XXXX XXXX put me in a hard place when he stated well you " used the card and accepted the services ''. This kind of statement from him just made me realized that he was not going to do anything to solve my issue but instead trying to put me against the wall so I had no other recourse. It is unfortunate that sometimes you get these types of reps that they tell you well you presented your card or used your card right? This does not mean that I accepted services or was happy with the merchandise. But XXXX XXXX was trying to block anything going forward, he was refusing also to let me speak to upper management, and did not want to accept his failures. But I know that I could reach the executive team at Wells Fargo and that is what I instructed him to do and he accepted it. But just for the record I am filing this complain so another set of eyes gets a second look at my dispute and also this complaint stays on record. Wells Fargo usually has good customer service but once in while you always get a bad apple like XXXX XXXX that does not want to go the extra mile and take a second look at the situation. 
I have attached a copy of the email received this morning for reference received today XX/XX/XXXX XXXX with dispute # 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 2024-12-11 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries being made on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries being made on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 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: VA

Complaint narrative:
15 USC 1681c Section 605, negative information that is inaccurate or fraudulent should not be reported after a certain period, and I am entitled to request the removal of such information if it is the result of fraud. These following accounts do not belong to me, and I request their immediate removal from my credit report. 


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 2024-12-11 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: PA

Complaint narrative:
My personal information was compromised during the Equifax data breach and the XXXX XXXX data security breach. These accounts were listed on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This a violation of the FCRA privacy rule in 15 U.S.C. 1681 and FCRA subsection 605b. It is illegal to report information on my credit report without my permission. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief