vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-03-20 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am very concerned because USAA notified me that they have no statements available to be able to verify the account history for these accounts. However, they are reporting these accounts as accurate on my credit report given that they are not able to verify the account history. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Someone opened ( XXXX ) Affirm accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized credit inquiry appearing on my credit report, dated XX/XX/2024. Despite my efforts to resolve this matter directly with the financial institution, they have refused to provide documentary evidence demonstrating the permissible purpose for accessing my credit report. 

The financial institution claimed the inquiry was based on an application for credit submitted through XXXX XXXX XXXX, providing a permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, they failed to provide any supporting documentation. 

I believe the inquiry was unauthorized, and the institution 's refusal to provide requested documentation raises concerns about compliance with the FCRA and handling of consumer disputes. 

I request the Consumer Financial Protection Bureau to investigate and ensure removal of the unauthorized inquiry from my consumer report. Additionally, hold the institution accountable for failure to comply with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management bought a fraudulent debt from XXXXXXXX XXXX in my name. They have now reported it to XXXX, XXXX XXXX, and XXXX. I already had this discharged from my XXXX report when the original creditor reported it, ( XXXX XXXX ), as they couldn't verify it was my debt. Now Midland Credit Management bought the debt, which has to be illegal, ( buying a fake debt ). It should have been illegal for XXXX XXXX  to even sell it. It's fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Well 's Fargo Bank closed my account in the middle of my dispute of unauthorized charges in my account. 
They fraud department have deliberately refused to see reasons in my claims as it concerns the unauthorized charges in my account. 
They have not resolved my dispute despite providing police report, a Notarized letter that affirms my claims, etc but they have went ahead and closed my account that still had a balance of over {$17000.00} which I don't have access to. 
Lastly my Well 's Fargo checking was mostly set up by me to use to make as well as receive XXXX payments to/fro professional collaborator but by closing my account in the way Well 's Fargo did XXXX they which have put my professional/personal life in disarray. 
Being that my XXXX is connected to my account, I have payments from collaborator sent through XXXX that are currently in limbo and I don't know how to go about recovering this payments.

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 2024-03-20 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: TX

Complaint narrative:
I " am requesting that my student loan accounts be removed off my credit reports within 24 hours. I have attached proof that my loans are discharged and a 1099c was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within 24 hours of this complaint. This is also against the Family Educational Act you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I " am requesting that my student loan accounts be removed off my credit reports within 24 hours. I have attached proof that my loans are discharged and a 1099c was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within 24 hours of this complaint. This is also against the Family Educational Act you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
After i put in a dispute with Credit Karma money who claimed that they were investigating my money that was stolen from my account after my account was hacked on XXXX. I waited a XXXX  and the fraud department did not keep me up to date with what was going on. Next thing i know I got an email from them saying " we have completed our research regarding your dispute and have determined that no error occured. Regulation E only covers unauthorized electronic tranactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. Please be aware that you have the right to request copies of the documents that we used to make our determination. we apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer service department at XXXX. They also after sending me this in an email they closed my money account which removed the trail of the fact that the person hacked my account, so when i log into credit karma my money account is no longer there and this was done without them getting my money back. I had called today and they are suppose to be doing another investigation which i have not gotten any emails or communication about. This seems like an inside job because everytime i called them in order for me to move further with them they required for me to send them a picture of the front and back on my drivers license and take a picture with me holding that which they said this is their way of verifying that they are indeed talking to the user on file. When i told them i dont feel comfortable doing this they did not seem to care and did not want to help me unless i do this through some link they sent me to upload my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started a platinum business bank account with Chase since XX/XX/2020 and use XXXX for my vendor payment all the time. 
Chase will text the verification questions before but recently I have to call every time to verify if there is a new vendor 's first ACH payment whatever the amount is. 
The worst thing is that I am not a native speaker and super busy to run a whole trucking business by myself. I have to use my business account number or debit card number on the phone before I can talk to someone. When I waited about 5-15 mints finally can talk to a living person which I will have to answer a lot questions again like name, address, business name, phone number, email address, debt card number and password, date of birth and some info related to me before like old address where I lived 15 years ago. 
Worst of all, the agent just follow the whole procedures and asked all the questions again if I have to talk to a different agent. Most time the agent will ask the same questions but someone will add some different questions as well. Some agent will say I need check something and call you back but actually they will never call you back. And some will say hold 2 mints and the phone will disconnected automatically. Even the " supervisor will do the same '' Then I will have to call again and again to verify the transaction. 
I even called one of agent who worked in a branch and asked him if there is a way I could verify myself by other way like text message or emails. I had 2 phone and 3 emails with Chase. I had XXXX account with them. 
Their system is not smart and convenient for me as a busy- XXXX XXXX speaker business lady. 
Since my vendor are all in the same industry which had the similar business name like transportation, express or trucking. The bank supposed smart enough to recognize it and let it pass. 
Chase make my life miserable to ask my to call for verify only. 
If they did not give me more option to verify in the future I believe I will have to sue them. Cuz this made me had headache and stomachache for calling 5 times and talk to 5 agent to verify the transaction. 
IT is not fair to me as a XXXX  business lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ).

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 2024-03-20 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-20 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: NC

Complaint narrative:
Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX XXXX has caused XXXX XXXX  and XXXX due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards 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 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I called today to follow up on the written request for information per their stated procedures. I have not received the bill of sale or the purchase agreement and my account representative informed me that she was not a debt collector and didn't work for a collection agency. She also would not answer my direct request for a bill of sale and purchase agreement. When I notified her that the balance was incorrect, she stated that all of the balances are reported directly from the apartments. When I asked for an itemized list of all of the charges they sent over she would only read it to me. The amount of the debt is incorrect. I have checked with the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have no business relationship with LVNV FUNDING LLC. They opened account in my name without my knowledge, authorization, and consent. I do not have a contract that I signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and LVNV FUNDING LLC at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I believe that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my approval.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have fradulent and inconsistent information on my credit reports on all 3 credit bureau XXXX ( 3 ) Hard inquiries XXXX XXXX XXXX on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

Equifax Hard inquiries XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau

Company response to consumer: Closed with non-monetary relief