vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by XXXX, TransUnion, and XXXX, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX ( TransUnion ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX  ( TransUnion ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXXXXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXXXXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with XXXX, TransUnion, and XXXX to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with XXXX, TransUnion, and XXXX. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One sent offer for Quick Silver Card. {$500.00} reward for getting the card. They never issued a reward. When I called they made up some story about it's not the same card. I said yes it is. They gave me a story about the small print.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by Equifax, XXXX, and XXXX, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX  ( XXXX ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXX & XXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXXXXXX XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with Equifax, XXXX, and XXXX to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with Equifax, XXXX, and XXXX. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by XXXX, XXXX, and Experian, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX ( XXXX ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXX & XXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with XXXX, XXXX, and Experian to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with XXXX, XXXX, and Experian. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

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 2024-05-11 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Was sent an offer for a CAPITAL ONE SAVOR CARD with a {$300.00} sign up bonus if I spent {$3000.00} in first 3 months. Called for my bonus and was told there's no bonus with this card. Said the card that was approved did not have a bonus. Gave me a lot of small print and mouth. Finally, after talking or arguing with supervisor, he said he would submit a complaint. Never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TX

Complaint narrative:
I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, the XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts and inquires from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered 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 2024-05-11 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion Errors XXXX Paid in full not closed Date Opened XX/XX/year> not XX/XX/year> XXXX XXXX Paid in full not closed XXXX  Historical date are all wrong Paid in full not closed XXXX  XXXX XXXX  Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Last reported, last active, last paid ect Zero payment history. XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THEY CLAIM THE ACCOUNT WAS OPENED IN XX/XX/year> AND CLOSED IN XX/XX/year>. Please review all errors and delete each account 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 2024-05-11 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have noticed credit inquiries on my file that I have not authorized. I filed an identity theft report. Please remove these inquiries.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
I had a cash app account. I received a text message saying my phone number was taken off my account. So I call the customer service number to see what was going on. As I was on the phone the agent watched someone who had hacked into my account change my hashtag and email to something else as well as the phone number. They proceeded to watch the hacker take XXXX. XXXX out of my account. The agent froze my account and filed a complaint to get my money back. I received an email stating that my complaint was denied and I would not receive the money that was stolen back I called and they could not give an answer or provide any info about it I have attached multiple attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Credit Karma refuses to allow me to access my account, which contains about XXXX belonging to me. The company bases on the claim that my documents showing proof of identity are not sufficient, despite me showing a birth certificate, social security card and valid driver 's license. There is a fraudulent number on the account, and the company will neither remove this or allow me to change it. The company also refuses to close the account and remote my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/2021 XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

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 2024-05-11 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/year> XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

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 2024-05-11 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/2021 XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: AZ

Complaint narrative:
As I looked at my consumer report I noticed a late payment for XXXX XXXX  in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer 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 2024-05-11 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:
My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts and inquiries that I didn't authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names. Please remove fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names from my credit report. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$1900.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1900.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX  XXXX Balance : {$1200.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : XXXX  XXXX  XXXX Balance : {$2700.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX. 
Balance : {$930.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$900.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving FROUDULENT INQUIRYES! 
XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FROUDULENT EMPLOYEESE INFORMATION! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: World Acceptance Corporation
State: IL

Complaint narrative:
This account is not mine. I filled out the identity theft report. XXXX just trying to get it removed off. My credit is still hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: AZ

Complaint narrative:
As I looked at my consumer report I noticed a late payment for XXXX  bank in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer 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