vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-06 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: PR

Complaint narrative:
Dear Equifax Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX, XXXX XXXX : XX/XX/year> It is important to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned date. As a responsible consumer, I actively monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Furthermore, my Equifax credit report has an access alert, which requires lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises serious concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Equifax credit report. Additionally, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the integrity and security of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been removed from my Equifax credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
AFTER AND SEPARATELY from XXXX Venmo FALSELY CLAIMS THEY REFUNDED {$120.00} to another party. THIS IS FALSE. Neither i nor the other person received that money. Venmo simply set my balance to XXXX, thst is they TRANSFERRED {$120.00} FROM MY ACCOUNT TO THEMSELVES. 

Previously they acknowledged I had a {$120.00} balance but refused to give it to me unless I gave them my BANK ACCOUNT AND SOCIAL SECURITY INFORMATION. VENMO NOW HAS OUTRIGHT STOLEN THE FULL AMOUNT OF MY VENMO BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-05-06 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: CA

Complaint narrative:
Hard inquiries from XXXX  XXXX on XX/XX/year> Called XXXX to get it removed but they didnt help, I want these inquiries to be deleted on XXXX, Trans Union and XXXX I did not authorize these companies to run my credit report, under the USC 15 Section.

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 2024-05-06 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:
Hard inquiries from XXXX  XXXX on XX/XX/2024 Called XXXX to get it removed but they didnt help, I want these inquiries to be deleted on XXXX, XXXX XXXX and Equifax I did not authorize these companies to run my credit report, under the USC 15 Section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Dear Experian Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Experian credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX I want to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned dates. As a vigilant consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Additionally, my Experian credit report has an access alert, requiring lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises significant concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Experian credit report. Furthermore, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the protection of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been successfully removed from my Experian credit report. 

Thank you for your attention to this matter. I eagerly await your prompt resolution and response. 

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 2024-05-06 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank, the issuer of the Care Credit card, fraudulently, without my knowledge or consent, initiated chargeback disputes on transactions totaling {$21000.00}. Not only was this done without my knowledge, they did so at my protest. Also, as you can hear in the attached recording of my XX/XX/year> phone conversation with a representative from Synchrony, I explicitly advised them I did not initiate these chargeback disputes and the representative agreed to have them canceled. ( Note at the time of this phone conversation I was in New York State visiting family and New York is a one-party consent state. ) Further, I provided each of the merchants who's transactions were chargeback, with the attached letter, they could in turn provide to Synchrony ( and most did ), which explicitly states : 1. At no time have I ever requested or consented to the initiation of any chargeback or dispute of any transaction in which my Care Credit account had been used to tender payment to any merchant including the providers referenced above ( herein, the Providers ). 

2. Synchrony Bank initiated the current chargebacks disputes without my knowledge, request for, or consent. 

3. I have reviewed all transactions on my Care Credit account and can confirm with absolute certainty that the principle amounts of each transaction is correct and undisputed. ( This does not include fees and other costs assessed by and paid to the card issuer, Synchrony Bank ). 

4. I confirm that I am either in possession of and/ or benefited from the services and/ or goods rendered by the Providers in which my Care Credit account was used to tender payment for. 

5. I have no current or prior concerns regarding the quality of the goods and/or services obtained from each of the Providers, which could entitle me to initiate a billing dispute through my card issuer. 

6. If Synchrony Bank continues to pursue the chargeback disputes theyve initiated, they do so with out my cooperation or support.

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 2024-05-06 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: SC

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Dear Experian Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Experian credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX. XXXX : XX/XX/XXXX I want to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned dates. As a vigilant consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Additionally, my Experian credit report has an access alert, requiring lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises significant concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Experian credit report. Furthermore, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the protection of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been successfully removed from my Experian credit report. 

Thank you for your attention to this matter. I eagerly await your prompt resolution and response. 

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 explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Over a month ago, one of my XXXX cards with Citicards was blocked for payments. I have no idea why. I've been calling and calling. Every time I call there's someone in the XXXX with a terrible connection asking me about my number of my debit card for security checking. I do NOT HAVE a debit card with Citi. They also asked me for lots of other data, like the number of my other credit card, which I provided. 
I also talked to a supervisor, actually XXXX : one on the phone and one in the chat. 
When I don't give them a debit card number, they hang up on me. When I ask to be transferred to U.S. customer service, they say ok but put me in the same loop again and I land in the XXXX again, with the same result. 
The online chat says they can not help, I have to call. 
It's been a total nightmare. 
I have a credit balance on this card. 
All I'm asking for at this time is to transfer my credit balance to one of my other XXXX cards from the one ending in XXXX and to close that account. 
The document I attached is that latest message I received from a supposed supervisor who admitted himself that it was frustrating but could not help either.

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 2024-05-06 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: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. Transunion - XXXX XXXX XXXX XXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from Transunion. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX  XXXX XXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, 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 2024-05-06 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:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I have yet to receive proof of the debt being owed. FMS has yet to provide with a notice of delinquency or any chance of amounts. 

This was not a joint lease, I wasnt a lease holder. I was a guest and I was on my friends lease, to gain access with a key card, but I NEVER signed a contract and/or lease.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am unaware of this debt. It does not belong to me. I never received any notice so that I could dispute this debt. It violates my federal rights.

Company response to consumer: Closed with explanation