vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
You are listed on my credit report without my knowledge or permissible acknowledgement. In truth, you accessing my social security number without my consent is identity theft. What is worse is that you have not sent me a letter allowing me time to review such the alleged debt. Nor did I receive any notice of you implying I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX representing himself as founder XXXX XXXX XXXX, New York XXXX forced me to sign 12 month agreement to provide XXXX Chats and Social Media Management for my company XXXX XXXX XXXX number XXXX XXXX 2023. He asked me to docusign this agreement. I could not see the whole agreement since in docusign i just had the front page of the agreement. I was stupid enough to sign the document and give him my BOA XXXX that was charged XXXX dol for 12 months service. I got text message from XXXX cc if this charge was approved that. I started thinking about the one agreement page since I had no any other info on this page no phone no adress no any contact for XXXX  I contacted XXXX fraud department immediately that XXXXXXXX should not get paid that the company doesn't seem right. The credit card was blocked and XXXX sent me a new card but the XXXX dol was still paid to XXXX  by XXXX in spite of me not approving the payment. I was told that start dispute that was rejected. I sent Certified letter to XXXX XXXX as he presented himself to me as CEO of XXXX that was a lie .I was able to contact him via a phone and he started laughing that it is my loss .XXXX rejected dispute claim stating that XXXX  provided service which they did not at all.

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
From XX/XX/2023, I started seeing transactions that I didn't recognize. The same day I called Chime customer service to open a dispute then they failed to do so. They also failed to secure my account so that the person would not be able to access it again. They kept letting the person access my funds over and over again and again. The first dispute I opened was closed in less than 24H which means my un-legit transaction worth {$3300.00} did not matter to them. I reopened another dispute which also got closed in less than 2H. I want them to do the work as an investigation enough to track down my money. The last supervisor I spoke to recently told me that she was going to send me a link to upload my documentation to support my dispute yet they already closed my second dispute without allowing me the chance to provide documentation nor did they provide any explanation about what they investigated and findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXX XXXX XXXX Account NumberXXXX Account Name : Navy Federal Credit Union Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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.

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridge IT, Inc.
State: LA

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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. 

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received multiple letters in the mail to my parents home from credit cards requesting more information to open an account in my name that I did not request. Looked into all credit reporting websites and found that there were many inquiries that have hit my credit report that I did not request - so fraudulent activity has been happening. The below companies are listed as inquiries to my credit that I DID NOT request. 

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 CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After recently looking at my credit report, I noticed unauthorized inquiries, and collection accounts reporting to my credit that I do have contracts with

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX  XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report.

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission ( FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting.

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANS UNION IS REPORTING AN ACCOUNT ANDBALANCE THAT DO NOT BELOG TO ME THE CREDIT CARD COMAPNY HAS REMOVED THE ACCOUNT AND BALCEN FROM MY NAME AND TRANS UNION HAS STILL NOT CORRECTED THE ISSUE THE ACCOUNT BELOW SHOULD BE DELETED AND CLSOED AND REFLECTING XXXX BALANCE XXXX XXXX Exceptional payment history {$3700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type XXXX account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$8000.00} Credit usage 46 % Monthly payment {$68.00} Past due amount {$0.00} Highest balance {$3700.00} Terms - Responsibility Individual account Your statement - Payment history XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - XXXX - XXXX Time - Data Unavailable Contact info

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing a complaint against Equifax in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Equifax to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing a complaint against Experian in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Experian to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. These negative accounts are affecting my ability to obtain housing and necessary essentials for the day to day living. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
During XXXX and XXXX My account has a unauthorized person access to my business account which resulted in my account being closed. I was informed that i was going to be issued another card several days after the account was closed, but the Card company has not done so ultimately interrupting my business operations by discriminated against me for being a victim of a fraudulent transaction. Ive not been properly assisted in this matter. Forcing my business to go through this is arbitrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear, Equifax Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement.

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items.

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct. 

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief