vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach and identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have all fraudulent information removed from my credit file.

The following accounts have been fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$250.00} XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$6000.00} XXXX  - Account # XXXX - Opened : XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$590.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request an immediate review and correction of the information on my credit file. It has come to my attention that my personal information is currently being associated with my mothers name and birthday. This incorrect data needs to be removed, and my credit report should reflect only my own name and personal details.

Details of the Issue : The credit bureaus have my information incorrectly listed under my mother 's name and birthday.

I have checked my credit report and confirmed that this inaccurate information is present.

Requested Actions : Remove any entries linking my personal information to my mothers name and birthday.

Ensure that my credit report reflects only my correct information, including my name and birthdate.

Provide me with an updated copy of my credit report after the necessary corrections have been made.

Please take immediate action to resolve this issue. Should you require any further information or documentation to support my request I have uploaded my birth certificate and social security card and id, please feel free to contact me

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 2024-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, approximately {$300.00} was debited from an unauthorized account for installment payments by ZIP. This account that was debited was not apart of the installment plan agreement which caused my rent payment check to bounce and greatly jeopardize my family and I 's housing needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is that there was an account open on XX/XX/XXXX of 2024. But I never made an account with them nor did I purchase any Phone items or devices now there is a collection on my credit stating that I have to pay a settlement but I am sending a letter for them to verify if they have the right person.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I did a XXXX transaction of {$1500.00} on XX/XX/year>, which failed immediately, but my account was deducted {$1500.00}. I contacted Navy Federal numerous times regarding the failed transaction, and we just kept going in circles. After multiple calls to Navy Federal, an associate filed a dispute, read the disclosure, and told me I would get an email, which I have yet to receive. I called back to the bank, and another associate stated she couldn't see any dispute filed on her end and decided to file a second dispute, but I still didn't get any email. I called again, requesting to speak with a supervisor who told me he couldn't see any dispute on his end and asked me to wait till XX/XX/year> before calling back and filing another dispute. I called Navy Federal back, and another associate stated she would file a third dispute. I made her aware that their associate keeps filing disputes on the same case, but I don't get any email, and whenever I call back, the following representative states no dispute was filed. I tried explaining the situation, but she couldn't address my concern and only wanted to file a dispute. I requested to speak with a supervisor who filed a third dispute, and I mentioned that the dispute didn't go through ; the supervisor stated it had gone through on her end. After much explanation from my end, the supervisor asked me to log into my account to check the dispute on my account, which I couldn't find. She decided to dig deeper and told me that she realized the system kept kicking the dispute off. The supervisor said she spoke to a different department that stated they would file a dispute differently and told me I would get an email, which I have yet to receive. I later checked my bank and couldn't find any dispute filed, so I called back to the bank and spoke with another supervisor named XXXX, who also gave me the same response everyone keeps giving me. Navy Federal has yet to send an email or refund, and no one has addressed my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reported that my address was reporting incorrectly a long with other information and in less than 24 hours a decision was made that the address would stay on my report. I gave them documents that proved my address was wrong but they still updated it to be correct. I am a victim of fraud and identity theft I have been trying to get the inaccurate information removed from my report for years at this point, I have had no success working with the credit bureau. I would like my report to reflect the accurate information ONLY.

Incomplete, inaccurate information or unverifiable must be removed in 30 days PER 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

Incomplete and inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I XXXX XXXX deposited my XXXX XXXX check in my account because he lost his ID he signed the back an then I signed it, once said that they were going to hold the check for ten days to make sure it wasn't a fraud deposit. After the ten days was up the check still was not available even though the funds were deposited, PNC said he was going to have to go and get a id and go to a near brach with me. We did as instructed to do we both went and got his ID, a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his birth certificate. Well since the ID was a temporary ID that the state of Alabama issues out which is used to open accounts the bank said the were taking the hold off the funds and they would be available in 10 minutes. The next day funds still was on hold and now the bank was asking to wait until originally copy come in then they will release funds. It's been over a year now and once still have the funds on hold but is drawing monthly bank payments from the funds. Is there anyone who can help me get theses funds released because there's no fraud going on which I'm sure PNC knows that but will not release any on the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts.

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud.

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.

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 2024-11-30 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: NY

Complaint narrative:
To Whom It May Concern, Account Number : XXXX I am writing to request specific information regarding the above-referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details. 

I kindly request that you provide me with the following information : The date of the first delinquency on this account. 

The date of the last payment made on this account. 

The date of the charge-off on this account. 

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts. 

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. 

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Experian, and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts. 

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. 

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ok so ive been trying to get a credit card for a while now and ive been turnes down alot to but its not that ive been turned down that makes mad its thst litterally i tries to get appoved for like a XXXX dollar limit card from capitol one and even tho the only reason i tried was because i got an email from them saying i was pre appoves for it so i fellowed the link and again they deny me. And then a few days later naybe a week they email me again saying im appoved for a card so again i fellow their link and again they deny me. Now this has happen like at least 7 times and everytime they deny me it affect my credit by putting a hard inquary on my report. So now i have all this hars inquries on my credit report. And its affecting me gwtting any type of credit card and im kind of in a situation where i could really use a credit card right now to help boost my credit and to get nessessities when i have no other way to.. each time said it wouldnt affect my credit score. But those hard inquies do affect me. I mean how could they keep sending me invites that im approved now to just log back on and finish my application. I have way more pic of all the times they said i was appoved i just disnt want to send to many but i can send lots more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I just reviewed my XXXX credit report and found that it is inaccurately reporting the following accounts as being late : XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX- XXXX XXXX and XXXX XXXX  - XXXX. These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.

Company response to consumer: Closed with explanation