vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
am writing to file a formal complaint and request the immediate removal of a fraudulent account from my Equifax credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and Equifax 's policies, this fraudulent entry must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent/INCOMPLETE account are as follows : - **Account Type** : Revolving - **Account Owner** : Individual Account - **Loan Type** : Credit Card - **Creditor Classification** : Revolving Credit Limit : {$1500.00} - **High Credit Amount** : {$1700.00} - **Term Frequency** : Monthly - **Term Duration** : - **Activity Designator** : Closed - **Date Opened** : XX/XX/XXXXXXXX  - **Date Reported** : XX/XX/XXXXXXXX  - **Date of Last Activity** : - **Payment Details** : - **Months Reviewed** : 1 - **Deferred Payment Start Date** : - **Scheduled Payment Amount** : {$0.00} - **Date Closed** : XX/XX/XXXXXXXX  - **Actual Payment Amount** : {$0.00} - **Charge Off Amount** : {$1700.00} FRAUDULENT 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 XXXXXX/XX/XXXX i request/demand these fraudelent accounts and inquires be removed immediately. 


This information is the result of identity theft and does not accurately reflect my credit history. Additionally, these accounts were deemed unverifiable and have been suppressed by XXXX XXXX XXXX. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ) for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Equifax, this fraudulent charge-off account continues to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the FTC to intervene and ensure that Equifax promptly investigates this disputed account and removes it from my credit report. I have attached copies of my identity theft report filed with the FTC, police reports, and any other relevant documentation to substantiate my claim. 

I trust that the FTC will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS PRIME INVESTMENTS Original creditor : XXXX XXXX XXXX XXXX XXXX. 
{$850.00} Creditor is negatively affecting my credit score

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 2024-12-26 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Incorrect information doesnt belong to me and I even filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
So this is a transaction placed from XXXX for {$2500.00} that was not authorized. Ive been trying to work with a XXXX  to receive a refund because this was disputed, but for some reason Wells Fargo denied it I believe it was because they called me, but I missed the call and I believe it was because I didnt get them on time for more information. It was really inconvenient because I was obviously scammed. This was back in XXXX  of XXXX and disputed on XX/XX/year>, and I just find it very disappointing and inconvenient to the fact that I was not protected for a charge I did not do I would like a refund for this and if you guys can look into this I would really appreciate it.

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 2024-12-26 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: PA

Complaint narrative:
My credit report contains several billing errors, particularly late payments that arent accurate. Id appreciate it if you could address these inaccuracies and update my account appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX  I received a telephone call, allegedly from Citibank just after my Citicard was refused at a local drug store. The caller said to fix my account I needed to perform certain steps online. I followed their instructions and ended up sending money through XXXX to them. ( I never use XXXX so when they said i was just entering codes, I listened ... nd ended up sending them close to a XXXX dollars. I became suspicious when they said it wasn't working and had to repeat, and the line I was to enter a code on showed a dollar sign. 
I followed up with Citibank, closed the account, and they did some kind of inquiry. i just received a letter which only said my personal info was compromised, with no offer of any compensation. It also means all of my payees, with their addresses must somehow be found and reentered into a new 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 2024-12-26 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: TX

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. 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 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: NJ

Complaint narrative:
I rented a car from XXXX in XXXX North Carolina end of XXXX into the first week of XXXX which was involved in an accident where a bear ran into the car. I contacted XXXX  with no response. They told me to pay my deductible towards it at the airport but the desk was empty. I contacted my insurance company to make a claim, XXXX and they failed to get responses at well from them. XXXX never once reached out to me to talk about what was owed, not once. No phone, no letters, no emails, etc. Now my debt of about XXXX dollars including bogus fees is sent to vikings collections more than a year later and I've never been contacted once about this prior to. I need to know if this debt is legitimate or not and if it's owed by me or my insurance company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-26 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-26 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-26 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
JCPenney and Lowe 's have informed me that my social security number has been used to obtain their store credit cards and that they have been used multiple times. They would not provide me any more information such as the name of the individual using my information. I looked at a screen while they were looking it up and a person with the name " XXXX '' shows up under my social security number. I called Lowe 's and could not get a response and when I spoke to a manager they said they couldn't help me and that I had to work through the credit bureau. When I asked the management at JCPenney to cancel that card under my social security number they would not help either and said I have to work through the credit bureaus. Meanwhile my information is being used and I am disgusted at the lack of easy process to deal with this at these companies.

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 2024-12-26 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: DC

Complaint narrative:
XXXX rewards points were stolen from my Chase Sapphire credit card account and Chase refuses to restore these points to my account. On XX/XX/year>, XXXX points were deducted from my Chase Sapphire rewards acount for XXXX XXXX point purchases of XXXX {$100.00} XXXX Gift card purchases. I never purchased any XXXX gift cards nor did I receive any XXXX gift card. They were allegedly emailed to my email account but I never received any emails regarding this. My account was obviously hacked. 

I have made calls to Chase but they have refused to restore my points. They said I have prove I never received the gift cards. How can I prove a negative? I was the victim of fraud. And Chase initially recognized the fraud- they canceled my card and issued me a new one - but since then they have refused to refund my points. I request your help to get my points refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

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 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 2024-12-26 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has attempted to collect on the alleged debt on behalf of XXXX XXXX XXXX ( account ending # XXXX ) and reported this debt as a collection to the credit bureaus, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement XXXX XXXXXXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that they have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I received a brand new Wells Fargo XXXX credit card and did a balance transfer on their website for {$3700.00} that was processed on XX/XX/year>. I received a letter in the mail confirming the transfer after entering my account and routing number. The letter confirmed that the transfer successfully went through but I didnt receive the money up until this day. I have spent so many hours speaking with Wells Fargo about the transaction. The transfer didnt go into my XXXX account and instead went to XXXX XXXX XXXX XXXX XXXX XXXX. They have also been uncooperative in helping me located the transfer. Ive emailed many of the executives about the issue without any response. Chime bank claims they never received the transfer. Wells Fargo is telling me their credit card transfers can only be transferred to another credit card or to one of their checking accounts. I transferred from their credit card to my XXXX checking account. I now have outstanding credit card debt with Wells Fargo for money that I never received. Ive worked tirelessly to work with all parties involved. Wells Fargo insists the money is at XXXX and is telling me that I have to get them to send the money back to me, yet it has been impossible to get the support that I need when I call XXXX. I really need help with this. Its an extremely distressing situation here. 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 explanation
Consumer complaint received 2024-12-26 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: DE

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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