vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Unauthorized Inquiries, I have attached my FTC report to this complaint to prevent further stall tactics from EXPERIAN

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 2025-01-09 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, my wife and I went to the XXXXXXXX XXXX XXXX branch to open a checking account in preparation of our retirement and move to XXXX to take care of my elderly mom. We wanted to open the account so we could set up all our automated payments before moving to XXXX. 

We did open a checking account on XX/XX/XXXX. The bank also linked my VA pension to the bank account that day. We received emails for paperless enrollment, SSN confirmation and debit card order confirmation. 

On XX/XX/XXXX, I set up a connection from my XXXX account and transferred {$5000.00}. The funds were transferred to the checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email with a letter stating our address change to XXXX was accepted. 

On XX/XX/XXXX at XXXX, I received an email from Chase stating that To help protect against fraud, we restricted and may need to close your account soon. The number provided was XXXX. I called the bank at XXXX on the XXXX. In that call a person from the bank said they had to close my account but didnt give a reason. 

I called another bank customer service number ( XXXX ) XXXX at XXXX pm and XXXX to see if I could get an explanation. On the XXXX call the bank employee stated the account is restricted and additional review was needed and then stated the bank can not maintain the account and that the bank would close the account and send me a check for the {$5000.00} I had deposited via XXXX XXXX It was only during this call that I found out that the fraud department was involved I was talking with someone from the fraud department. 

That was the last time I tried to call the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a XXXX  XXXX from them. They have never issued me a check and they refuse to provide any sort of debt validation after the XXXX of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a XXXX  XXXX from them. They have never issued me a check and they refuse to provide any sort of debt validation after the XXXX of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a XXXX  XXXX from them. They have never issued me a check and they refuse to provide any sort of debt validation after the XXXX of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-09 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: NC

Complaint narrative:
SECTION 605 B 15 U.S.C 5 1681 XXXX, TRANSUNION, XXXX : have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. 

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00}, : XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX ; {$20000.00} XXXX  : returned voluntarily ; voluntary repossession fraudulent inquires : XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. Transunion ; XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request 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 explanation
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
SECTION 605 B 15 U.S.C 5 1681 XXXX, XXXX, EQUIFAX : have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. 

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00}, : XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX ; {$20000.00} XXXX  : returned voluntarily ; voluntary repossession fraudulent inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. Equifax ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
Please see attachments for XXXX XXXX XXXX letter signed by my Anti XXXX  Case worker, and victim letter listing credit inquiry to be deleted. I forgot to put it on my previous complaint. Also attached are documents for proof of identity. The items you requested to provide via the letter you sent me. 1. Self attestation letter signed by agency 2. Proof of identity ( Drivers License ) | also provided a copy of my bank statement to help with proof of identification.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I noticed two fraudulent accounts on my credit report : A loan with XXXX XXXX XXXX XXXX, showing a balance of {$9900.00}. 
A XXXX XXXX XXXX XXXX loan, showing a balance of {$34000.00}. 
I did not authorize or apply for either of these accounts. These accounts were fraudulently opened in my name and are the result of identity theft. 

Upon discovering the fraud, I took the following steps : I filed an FTC Identity Theft Report. 
I contacted XXXX XXXX XXXX XXXX and spoke with their representative, XXXX XXXX, to report the fraud. She instructed me to email their fraud dispute team for resolution. 
I reached out to XXXX XXXX XXXX XXXX to dispute the fraudulent auto loan. 
I am now filing this complaint to request the removal of these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I request that both companies take immediate action to investigate and remove these accounts from my record, as they are causing harm to my credit profile.

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 2025-01-08 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: NY

Complaint narrative:
I made this comment on XXXX comments about an hour ago, but did not sign in to post it, because I've maintained limited access to XXXX within the past year ; I find their dealings to be a little strong ; their clientele is a little too unsettled for my enjoyment : But! ... 

" I requested my Experian data be deleted last month, because they insisted I keep information about a family matter, legally settled out-of-court, that favored me with my changing back to my maiden name ; they wouldn't let me sign into their account without my married name. '' - this has been repeating for the past XXXX? XXXX? years, at least. - " I hope they get stung real good ; brings to mind that I should try a sting of my own '' / gen. XXXX. 
This issue with them involves an XXXXXXXX XXXX XXXX XXXX child who sXXXX 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  The incident occurred while I was at a part-time job, which I'd been coerced into, ( XXXX hours ) at a nearby XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've only been using the Internet since XXXX ; my son was born in XXXX ; he's now XXXX XXXX XXXX. And though he's a very intelligent person, he's had difficulty maintaining - bka ( being credited for ) being able to take care of his own children, through no fault of his own, - ( even after he lived here with them, on-and-off from XXXX - XXXX ) ; they had the nerve to try the same scam on me before I moved here in XXXX ( turning your electricity off ). - But, that man, whose name is still on my record,- which denies me the right to complete my account " login '' - because he's able-bodied, and well-known to a great number of social class workers who live here, had the nerve to follow me back here - still a livery driver- even had a chance to disgust me by picking me up at mXXXX 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I spoke with XXXX, a customer care representative, today regarding being unable to access my TransUnion credit report. I have been unable to access it since XX/XX/year>. XXXX mentioned that it is because I have an active dispute. I informed him that an active dispute should not prevent me from accessing my credit report in which I am entitled to receive, dispute or not. 

Additionally, the TransUnion system is giving me an error that I have attempted to access my report within the past 24 hours and this is incorrect.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was monitoring my credit report the other day and got shocked from the fact that someone applied for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute following account from my report. Dispute and remove following account from my credit report. XXXX XXXXXXXX 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 2025-01-09 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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