vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: MN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: GA

Complaint narrative:
Checker reported to XXXX XXXX  that I didn't have a driver 's license causing them to deactivate my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
Equifax is reporting inaccurate payments history on my account for my XXXX  XXXX credit card its showing 60 days late for no reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
This account was opened without my authorization. 
I am a victim of ID theft. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap SUNRISE CREDIT SERVICES Account Number : XXXX Account open date : XX/XX/2023 Please remove this inaccurate information from my XXXX 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 2024-03-20 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: MN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: LA

Complaint narrative:
On XX/XX/2024 I open a account with Charles Schwab and made mobile deposit for XXXX they contacted me and congratulations on new account and told me check cleared and next day I was locked out my new account when I contacted them they told me very rudly that no explanation will be given and my funds will not be returned to me and hung up on me and ive done nouthing wrong I want to emphasize that I have complied with all requests made by your bank, including verifying my identity promptly and fully cooperating with your procedures. I have not breached any rules or laws in any way. Therefore, the unilateral decision by Charles Schwab Bank to close my account without providing a valid explanation or allowing me access to my funds is completely unjust and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: SC

Complaint narrative:
This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged for a purchase from XXXX that I did not make. 

After receiving many email solicitations fom XXXX, sometimes several in one day, I contacted them and asked them to stop. After that, I received an invoice from them by email. I did not subscribe to their service. I have never used their service.. After their charge appeared on my card bill, I contacted American Express and told them this. They said they would look into it. About a week ago, they sent me a letter saying the dispute had been resolved in my favor. But yesterday I received a letter saying thy were making the charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXXXXXX XXXX, Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, 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 2024-03-20 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: SC

Complaint narrative:
These inquiries are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion 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 2024-03-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. these are the account : XXXX Account Number : 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 2024-03-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My name is XXXX XXXX I am contacting yall for a update I never received a update on my fraudulent account dispute I reported as fraudulent I never opened with a dispute for a purchases I never made the agent told me she will reopen it but I never hear back about it I want to get a update on it or reopen it or redispute it or make a new dispute or reinvestigated it or make a new investigation for it my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PENNSYLVANIA XXXX and social security number is XXXX and I also need yall to update my mailing address and billing address to XXXX XXXX XXXX XXXX Pennsylvania XXXX so I can receive all yall updates there pleases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCORDANCE TO 15 USC 1681a ( 2 ) i didn't give written permission to have these fraudulent hard inquiries furnished/ reporting on my consumer report please remove.

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 2024-03-20 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: GA

Complaint narrative:
ACCORDANCE TO 15 USC 1681a ( 2 ) i didn't give written permission to have these fraudulent hard inquiries furnished/ reporting on my consumer report please remove.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was told this account would be deleted because this account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX. Upon reviewing my TransUnion and XXXX credit reports again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
On or around XX/XX/2024 I applied for a personal loan with SoFi for {$40000.00} to invest in cryptocurrency. An individual online had befriended me in a romance scam online and proceeded to scam me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against SoFi in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with XXXX  I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to XXXX  is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX XXXXXXXX and so on... Based on income I should not have qualified for a loan with SoFi and if denied, would not have been able to invest money which was fraudulently stolen from me. SoFi committed predatory lending and lended to me based on a credit score rather than an ability to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My account was hacked someone used my card and I did disputes the disputes came back into my account and the investigation is XXXX XXXX and I was awarded provisional credits, they suspended my account for no reason said it was a security risk they can no longer offer me services and they have all of my money they said they can hold my money up too 180 days it's my daughters money also we both got from the government. There not letting me add a bank account too withdraw it.they deleted my cards, I told them they can't close my account because they have our money. They said case was closed no correspondence was needed after emails.its venmo money services and Noone will help me direct me too a supervisor when asked several times I was denied amd the only people I can talk too is an account Specialist. This is ridiculous. I've contacted irs, XXXX, lawyers, I want my money amd my XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An application for an American Express XXXX XXXX with number XXXX was denied on XX/XX/2024, Once I provided the company with my signature, social security number, when the law states that only must be given to government agencies, as stated in Section 7 of the Privacy Act, and the negotiable instrument aka application it became legally binding, so Im requesting them to perform their fiduciary obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: AL

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/2024 Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, transunion has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information. 
Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.

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 2024-03-20 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: AL

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/year> Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, XXXX has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information.

Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Someone must of opened a credit card in my account and used my information to buy items. Now I have a credit debt of XXXX

Company response to consumer: Closed with explanation