vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

As I previously stated, the fraudulent items are inaccurately affecting my credit score and financial standing. Despite providing documentation and evidence proving the fraudulent nature of these entries, they continue to tarnish my credit report, causing undue stress and hardship. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : MO XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
For 3 months Ive attempted to get account information corrected. For multiple USAA accounts, not only are the accounts reported as charged off debt, but also being shown as a late payment each month. For one account, utilization is being reported as XXXX XXXX  even though the account has long been closed and charged off- there is no longer utilization, its closed and marked as bad debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has not provided the minimum requirements in regards to payment of the card and therefore I paid them in the amount due in one sum. They use a standard email for all correspondence to the CFPB which is used to delay and defer and to purposefully harm consumers. I'm XXXX and was ill during the time due to XXXX and yet they say they need to look into it. Please find the proof that the payment was made in full and cashed. This needs to be done immediately. Please note the checks cashed is proof and not a duplicate. Discover should have it as I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Online deposits were made now theyre taking my deposits saying the checks werent cleared making my account negative and if they werent cleared the bank wouldve never approved it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in 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 2024-02-24 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX AV XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$1000.00}

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 2024-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have an Amex Gift Card that I got for XXXX with a balance of {$500.00} and it does not work anywhere I have tried. I contacted American Express but they did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: HI

Complaint narrative:
XXXX XXXX is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXXXXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft 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 2024-02-24 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: NV

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity.

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used.

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity.

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report.

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: NV

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity.

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used.

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity.

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report.

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX XX/XX/XXXX. WAS {$500.00} NOW {$0.00} WITH MULTPLE LATE PAYMENTS. THIS INFORMATION IS ON MY CREDIT AND I DO NOT RECOGNIZE IT. 

XXXX XX/XX/XXXX WAS {$430.00} NOW XXXX DOLLARS.. MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS. 

XXXX XXXX  XXXX XX/XX/XXXX. WAS {$520.00} NOW XXXX $ WITH MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS I HAVE ASKED THE CREDIT BUREAUS TO DO A FULL INVESTIGATION AND THEY CLAIMED THEY HAVE AND THERE HAVE BEEN MULTIPLE INCONSISTANCYS WITH THE RESULTS SENT AND DIFFERENT TIMES.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: IL

Complaint narrative:
MOHELA account is XXXX balance but my credit report still had all the loans and the amounts as if I still owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have no account with XXXX XXXX I dont have a debt with said company. Ive requested validation and received nothing. This company is misusing consumer information as indicated by the many complaints ( CFPB and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: PA

Complaint narrative:
Under FCRA 605B, it's stated to remove incorrect accounts from reports. Please verify the documents ; there are inaccuracies on my report causing distress and discomfort.

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 2024-02-24 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  XXXX Balance Owed : {$930.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief