vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: Chime Financial Inc
State: CO

Complaint narrative:
I received a debit/credit XXXX  card in the mail from Chime that was not requested and without previously having any contact or interaction with this company. When I called the number on the card with my cell phone they linked the card to the account that had been opened without my knowledge. I had also received an email in the last week from this company that seemed to be spam that I deleted. 
They would not tell me why, by who or how the account was opened but stated they closed the account after I requested they do so. They would not, however, provide confirmation that this was done unless I provided them with my email address. I asked them to tell me the email address they had on file so I could confirm it, and I refused to tell them an email address myself as I have several and did not want to divulge additional information they did not already have. I also asked them to delete all of my personal details form their system but was unable to obtain confirmation that this had been done. 
I believe this organization is acting in an unprofessional and possible fraudulent way and wish them to be investigated to prevent this sort of practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX  {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


credit acceptance {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  {$710.00} XX/XX/XXXX XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-08-04 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-08-04 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: GA

Complaint narrative:
I recently reviewed the copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain credit.

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 2024-08-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my report that is hurting my ability to obtain credit.

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 2024-08-04 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX  XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R

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 2024-08-04 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed than an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates. XX/XX/XXXX, XX/XX/XXXX I am not requesting that an investigation is provided and that the CFPB provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these late payments be updated to paid on time immediately. Thank you for your understanding and prompt action in regards to 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 2024-08-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I noticed when I logged on been verified that information was linked to my account that shouldnt of been on there such as names of companys and phone numbers to different people. Also I noticed my phone was acting weird and tv as well and just new something was off. I noticed a random credit card and prepaid cards linked to my XXXX wallet that I did not put on there as well as random messages popping in my phone about XXXX being tranferred to me as well as random mail showing to my house that seemed linked to my children as well. Then I also see the year XXXX  appear every where as well as my childrens documents appear out of nowhere on my phone and random ads appear and stuff related to my kids being adopted and I believe I had dug too deep in my phone and saw stuff I shouldnt off and after that I felt threatened and targeted by alot of people and high up companys as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to 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 2024-08-04 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: FC HoldCo LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to 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 2024-08-04 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief