vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: NJ

Complaint narrative:
I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NJ

Complaint narrative:
I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.

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 2024-10-27 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit TransUnion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-27 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: CA

Complaint narrative:
Hey XXXX, XXXX, EQUIFAX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX, XXXX, Equifax ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX showed late payments then closed on XXXX XXXX  its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXXXXXX - ( XXXX, Equifax, XXXX ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( XXXX ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian 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 XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 Thank you for your time and attention! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: OH

Complaint narrative:
Obtained contract with a company by the XXXX XXXX of which they have a debt collection company called Denefits. Denefits would call me to collect an amount owed from the original contract in which XXXX XXXX had not performed any services they were hired to perform. XXXX XXXX was hired to build business trade lines of credit for start-up companies by establishing Net 30 and 90 accounts which again the trade lines were never established. Denefits would start an aggressive campaign to collect the amount owed, which led to my filing complaints with the XXXX  and the attorney general office. The results would end in the cancellation of the contract and the promise of removing the debt from all of the credit reports, which is currently listed on all three reports and has not been removed. Received a copy of the letter that was to be sent to have the information removed but it has not been sent. The credit reporting agency received a dispute of information and stated that the information was verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XXXX I paid off or my {$6700.00} balance.I then proceeded to run it back up.The problem is I have a cash advance limit of XXXX which I reached by XXXX of XXXX.interst rate of about 25 % at that time on my cash advance balnce..I also ran it up with purchases which had a separate interest rate at the time around 16-18 % .I finally noticed even though I reached my {$1600.00} cash advance limit and have not had a cash advance since XXXX of XXXX my cash advance balance kept going up and it was being put on my higher interest rate cash advance balance. Fast forward almost 5yrs my cash advance balance is {$5600.00} my purchase balance is {$1.00} despite not having cash advance in almost 5yrs which all my statements can attest to..I also have seen my interest rates rise on both purchase n cash avance ..my purchase rate is now over 20 % my cash advance has gotten over 30 %. It is now over 29 % despite the fact my credit score has skyrocketed to an excellent XXXX from in the XXXX which from what I've heard affect your margin. And prime rate has gone up..I pay a rate of prime +margin..mine kept going up when it shouldve went down... but the real issue is ive been paying the higher 30 % cash advance rate over an above {$1600.00} since XXXX of XXXX.why is my purchase balance being transfered to my higher interest rate cash advance balance..upto XXXX now and havent had one cash advance since XXXX XXXX..which means ive been paying about 10 % more on anything over {$1600.00} for almost 5yrs and now my last statement is have a balance of {$1.00} at 20.40 % ..and cash advance balance of {$5600.00} at 29.65 % ... im being charged XXXX cents on purchase and XXXX on CA balance... why would CA balance ever get over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Experian verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.

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 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX '' and Federal Trade Commission ''.

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 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against US Bank regarding their refusal to close my bank account despite multiple requests. Below are the details of my account and the issues I have encountered : On XX/XX/XXXX I opened an account using my mobile phone On XX/XX/XXXX i deposited a check of XXXX $ from the XXXX XXXX California department XXXX XXXX XXXX XXXX Check number XXXX I deposited the check thinking that everything was gon na be good once I came out of my XXXX. They held the check for more than a month sending me a letter that it was going to be available on XX/XX/XXXX. They send me a debit card and a pin number But when I try to activate the debit card it denied I had to call several times to fix the issue by providing all my information as my Social Security number and my date of birth my address And Having all this information of verification, my phone is on file with the account number, so that will be XXXX ways of verifying me, and they still denied the closure of my account or unlocking my debit card I called several times customer service I have dealt with department several times that they dont know what to do and all I want is for my funds to be available so that I could pay for my medication right now that I have a XXXX XXXX and health condition I have told them that I can not go to the branch at the moment because I am in the XXXX  and I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX specially because of the pain of the meds and because its really overwhelming at this point to be going back-and-forth to the bank just to make someone happy over there. I spoke with several customer service agents and fraud agents And some of them dont even know why my account is locked. Ive been telling them that I can not walk because due to a recent XXXX  XXXX, I am XXXX  XXXX  and undergoing XXXX XXXX which makes it extremely difficult for me to handle in-person banking activities. I have made several attempts to close my account remotely by contacting US Bank through written and verbal communication, but my account remains open. And they wont let me get to my funds or close my account. 
I have ensured that all pending transactions and balances are cleared and have requested that any remaining funds be sent to me via check. To the address on file and Despite this, the bank has not complied with my requests. 
I seek your assistance in resolving this matter promptly as it is causing me considerable distress. I would appreciate if the CFPB could intervene to ensure that US Bank closes my account and returns any remaining funds to me as requested. 

Thank you 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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I originally filed this against paypal, who informed me that synchrony bank is responsible.

Here is a copy of the complaint I originally filed : I bought a computer from XXXX through my Paypal credit card by going on the website and chatting with the Representative. I was having to return the original computer because the trade in was not processed properly. The Representative created the cart for me but the price was wrong. It was some XXXX higher then it should have been. The Representative assured me that the difference would be refunded to me when the trade-in went through. I hesitated, and asked him to double check. He assured me that the difference would be refunded. The difference was never refunded. I called XXXX and they said it was because I didn't create the order under my account. When I pointed out that the XXXX XXXX created the order, they said they could file an appeal. I said that was never the agreement. I was lied to in order to create a sale. And paypal has not followed up. They're " investigating '', even though the transaction was in XXXX. They need to give me an answer and I need the refund I was promised by XXXX. They just charged me 80 % more then they promised. And paypal has done nothing but maintain silence.

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 monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Equifax verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX functions as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.

Company response to consumer: Closed with non-monetary relief