vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX  -Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Independence Capital Recovery, LLC
State: WY

Complaint narrative:
I received a written notice in the mail ( around end of XXXX ) describing the debt this company was seeking, as well as emails detailing the same information. Around the dates of XX/XX/XXXX, my family received concerning calls from an " attorney '' ( at the number ( XXXX ) saying that he was trying to reach me in an attempt to represent me. The individual was said to have a threatening tone, and did not state any identifying information. I then also received this call ( on XXXX voicemail was left ) stating the same thing : an " attorney '' from an unnamed agency was trying to reach me for representation. 

Today ( XX/XX/year> ) I received a call and a voicemail from the same number ( XXXX ). The voicemail states the call from an individual working at ICR ( Independence Capital Recovery , LLC ). The individual clearly stated the intent of the call ( debt collection ) and that I would receive an email with the same details. In the email I received there is an attached PDF with details. In this PDF is says, to quote a paragraph in the document : " At this time, no attorney has personally reviewed the circumstances of your account. However, if your account remains unresolved, the current creditor may consider additional remedies to recover the balance due. We are not a law firm, and we will not sue you on this account. We do not make decisions as to whether to place your account with a law firm as that decision rests solely with the current creditor. '' This means that at least one individual from Independence Capital Recovery , LLC ( ICR ) contacted me, and two members of my family ( to my knowledge, no one else was contacted ) falsely pretending to be an attorney in a threatening manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MI

Complaint narrative:
Capital One switched my credit card application to a different credit card mid-application and cancelled the bonus offer of {$750.00} after checking/hard pulling my credit scores. 

I applied for a capital one spark business credit card ( the green card ) on XX/XX/2024. I was shown during the online application processes and promised XXXX receive a {$750.00} bonus after spending {$6000.00} in the first 3 month. On XX/XX/2024, I finished spending {$6000.00} and now ( XX/XX/XXXX and XXXX XXXX ) they said my credit card wasnt qualified for the bonus. 

Now that I came XXXX realized : ( a ) Capital One denied me for the card with {$750.00} bonus but was offering me the same card ( same deisgn, same outlook ) without the bonus and different terms. ( b ) Wihtout reading the terms carefully ( given that I assumed I was approved with the card with the bonus as the card look EXACTLY the same! ), I accepted the new offer of the credit card without {$750.00} bonus. This entirely was not what I intended or wanted to apply for.

I'm extremely disappointed by Capital One 's use of deceptive tactics ( bait and switch ) to entice individuals to apply for their credit cards, and do not withhold promised bonuses after meeting spending requirements. Many, particularly those who are disadvantagedsuch as tho
se with lower literacy or education levels, as well as older individualsmay have unknowingly fallen victim to this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-03-28 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: PA

Complaint narrative:
I have call and sent out 2 request by Certify mail to XXXX XXXX  request for verification for debt on this date first delivered XX/XX/XXXX at XXXX second request delivered at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX did not respond or send me verification of the debt Instead, they sent me a settlement letter on XXXX To settle And then change the original charge off date XX/XX/XXXX that was on my credit report to XX/XX/XXXX and adding more incorrect Information on my credit report it have been over 30 days and I have not receive The proof of verification, so For this debt so Asking for this to be removed off my credit report on the fair act Credit reported enclosed Is my XX/XX/XXXX Credit report Report number # 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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My bank of America account was compromised. Scammer gained access to my account, changed my online password added the # of XXXX to my account. They also added XXXX XXXX XXXX as a XXXX XXXX. 

Today they opened another bank of America account ending in XXXX and authorize a transfer of {$25000.00} in my name. 

Bank of America has now froze my account, due to fraudulent activity which is protocol. 

I am hoping you can use the information provided, to stop these scammers from doing this to others.

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 2024-03-28 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I realized there were a bunch of debit charges from XXXX to my checking account at TD Bank. The debits were small, and I only caught it because I finally reviewed the number of debits and realized that these were not from my XXXX account. I called XXXX and the charges were not associated with my account, they advised me to go to my bank. I then went to the bank XX/XX/XXXX, and they went back the 60 days and ultimately calculated over {$840.00} in small transactions were debited from my account. He entered the dispute claim, closed my debit card, and issued me a new one. claim XXXX. I received notification from the bank on XX/XX/XXXX that the claim was denied, and an error did not occur since there were more transactions during the time I reported the card lost/stolen. I called the TD Bank fraud line ( ref # XXXX ), and we realized new charges were still going through even though the original debit card was supposedly cancelled. He said to call the cops and go to the bank to get another card, since my new one was now compromised. He closed the new card. I went to the bank the next day, where the teller, called the fraud line and said they had not closed my initial card properly and it was still active until I called the night before. The teller, re-entered the dispute, claim XXXX and XXXX including the new charges, and issued me a new bank card. XXXX I received a letter from TD bank that the claim was denied again because I accessed the mobile app and should have known the charges were going through. XXXX returned to the bank and the teller placed a third dispute, now totaling {$970.00} with all the charges. Claim- XXXX. 
I called the TD Fraud dept XX/XX/XXXX spoke with XXXX and she said that since I accessed my mobile app, that I should've known the charges were going through. 
This is assumed and untrue. I had 3 accounts on my mobile app, and I did access my account, but to see if my tax return had hit my account but was not reviewing individual charges prior to the initial dispute time. I did not authorize any of the charges. There are over 50 charges being disputed from one company, and that type of activity is not common on my account either. I've never filed a dispute in over 30 years of having this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-28 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:
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 3rd 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 explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to you regarding closed accounts that are still being reported on my credit file. Pursuant to the guidelines outlined in the Uniform Commercial Code ( UCC ), specifically UCC 3-605, I am formally requesting the removal of these accounts from my credit report.

Under UCC 3-605, it is essential to ensure the accuracy and completeness of financial records, including credit reports. Closed accounts should not be reflected on a credit report as they no longer represent current financial obligations.

Pursuant to the guidelines outlined in the 15 U.S. Code 1681, I believe it is essential to ensure the accuracy and fairness of credit reporting.

As per the Congressional findings outlined in the aforementioned code, it is recognized that the banking system relies heavily on fair and accurate credit reporting. Inaccurate reports directly impede the efficiency of the banking system and undermine public confidence, both of which are vital for its continued functioning.

Consumer reporting agencies, such as yours, play a crucial role in assembling and evaluating consumer credit and other pertinent information. However, it is imperative that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy, as mandated by law.

I have recently reviewed my credit report and identified several inaccuracies that need to be addressed. These inaccuracies are affecting my credit standing and could potentially harm my financial well-being. Therefore, I request that you take immediate action to remove these errors.

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 2024-03-28 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:
To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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