vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I enrolled in Experian 's premium identity protection plan to alleviate the XXXX of being a victim of identity theft. However, instead of providing protection, Experian compromised my private information, escalating my problem with identity theft to catastrophic levels. 

Despite having two-factor authentication, credit lock, credit freeze, and a fraud alert in place, Experian allowed XXXX identity thief to take over my account by agreeing to change the email, and phone number associated with the two-factor verification protection in my account. This gave the identity thief full access to my Experian account, and this thief continues to exploit my accounts to this day, as I write this complaint. 

This negligence on behalf of Experian exposed my familys financial security and my personal financial security to a criminal, caused significant disruption to my career and my spouses career, and caused significant XXXX XXXX 

Furthermore, Experian refused to cooperate and honor my request for a reasonable and prompt protection of my personal financial information. They are refusing my request to verify my identity by going to an Experian office in person, with official documents ( passport, dl, birth certificate ) but instead, insist that I make copies of these sensitive documents and mail them through an unsecured XXXX XXXX XXXX. 

As a result of XXXX negligence, I can not safely hold a bank account or credit account under my name as the thief still have active control of my Experian account, and continues to target banks and credit institutions. 

the full detail and description of events is attached below, along with a filed XXXX  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 explanation
Consumer complaint received 2024-07-24 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: MO

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now

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 2024-07-24 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: MI

Complaint narrative:
So after reaching out to Bankruptcy court and also XXXX, and they verified that they didn't provide the credit bureau with information on this Bankruptcy that is reporting on my credit report. I ask them to removed this information based off of 15 U.S.C. 1681 and expressing this to the credit bureaus they refuse to remove it off of my report and it is hurting my credit file and lenders are turning me away left and right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MI

Complaint narrative:
So after reaching out to Bankruptcy court and also XXXX, and they verified that they didn't provide the credit bureau with information on this Bankruptcy that is reporting on my credit report. I ask them to removed this information based off of 15 U.S.C. 1681 and expressing this to the credit bureaus they refuse to remove it off of my report and it is hurting my credit file and lenders are turning me away left and right.

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 2024-07-24 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-24 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX XXXX took out over XXXX out of my Wells Fargo bank account to pay a credit card payment without my permisssion. They are claiming I called them by phone and made a payment when I NEVER called them to make a payment. So they illegally took money out of my bank account without any explanation.

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 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX. This reporting has severely damaged my financial situation. On XX/XX/24 I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX immediately remove the imputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation and that I did not bring the account current as promised in the accommodation. Reasoning needs to be provided as to why the CARES ACT will not be honored under the modification that was made with XXXX XXXX XXXX XXXX. If you can not provide me with this information in 15 days, update the account to CURRENT/PAID.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All of the listed inquiries were unauthorized and Im a victim of identity theft can you please remove these 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 non-monetary relief
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
All of the listed inquiries were unauthorized and Im a victim of identity theft can you please remove these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MI

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 XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ) ( 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/year>. I was in XXXX XXXX on vacation. When i checked my email. I received an email from Western Union dated XXXX XXXX at XXXX PM. ( First email ) that said a person named XXXX XXXX XXXX can now pick up the Money. I don't know this person is. I did not know what the email was about the i found additional email that said your money has been picked up and there is three other transactions and its worth {$400.00} each transaction and the money is on that person already. I called Western Union as soon as i found out the fraudulent transaction and they advice me to call my bank to file a dispute and call CFPB for a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Between XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm ( s ).

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 2024-07-24 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: TN

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: WA

Complaint narrative:
I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

The inquiries are : XX/XX/scrub>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 2024-07-24 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: DE

Complaint narrative:
I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look at the documents I've sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank took out over {$9000.00} out of my XXXXXXXX XXXX XXXX account to make a payment on my chase credit card without my permission. Chase is claiming I called them XX/XX/XXXX and made a payment over the phone. I NEVER called chase bank on this day and authorized them to process any sort of Payment out of my XXXX XXXX XXXX  account. Chase took a payment from me WITHOUT my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MS

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 : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX has violated my rights. 

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 c
rimes 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 explanation
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products. Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments. Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX Balance : {$260.00}.

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 2024-07-24 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: TX

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products. Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments. Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX Balance : {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This lender is not deducting the principal from the payments I've been making. My payments are set for auto draft, but they seem to move the payment date around in order to give the loan time to accrue interest. I could not understand why my final payoff date would always be ten years from the date of the last payment that was made. Yes, it was a moving payoff date. 
The owner is Navient Federal Loan Trust and the Guarantor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
They have been reapplying this debt for over a decade on my credit reports they just use different names or addresses

Company response to consumer: Closed with explanation