vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX  business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided to me by your agency. 
This dispute is being made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and fairness of the information contained in my credit file. 

The item ( s ) Account name XXXX XXXX XXXX Account number XXXX Account info " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Under the FCRA ( 15 U.S.C. 16811 ), you are required to investigate my dispute within XXXX  days of receipt of this letter. If your investigation does not result in the removal or correction of this information, I request that you provide : XXXX. A detailed explanation of your investigation process. 
XXXX. Copies of any documentation you used to verify the information 's accuracy. 
If the information can not be verified, it must be removed from my credit file. 
Please notify me in writing when the investigation is completed and provide an updated copy of my credit report reflecting the corrected information. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. Please feel free to contact me at XXXX or XXXX if further clarification is needed.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided to me by your agency. 
This dispute is being made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and fairness of the information contained in my credit file. 

The item ( XXXX ) Account name XXXX XXXX XXXX Account number XXXX Account info " This account does not belong to me, '' Account name XXXX XXXX XXXX  Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX  XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Under the FCRA ( 15 U.S.C. 16811 ), you are required to investigate my dispute within XXXX  days of receipt of this letter. If your investigation does not result in the removal or correction of this information, I request that you provide : XXXX. A detailed explanation of your investigation process. 
XXXX. Copies of any documentation you used to verify the information 's accuracy. 
If the information can not be verified, it must be removed from my credit file. 
Please notify me in writing when the investigation is completed and provide an updated copy of my credit report reflecting the corrected information. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. Please feel free to contact me at XXXX or XXXX if further clarification is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This account is invalid. USAA FEDERAL SAVINGS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

USAA FEDERAL SAVINGS 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 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Complain to XXXX and Affirm I am XXXX XXXX and I want to complain against the XXXX company for irresponsible and disrespectful attitude to their customers. I ordered a few items in XXXX and my order number is XXXX. When I received the items on XXXX XXXX, I warned them the installation would be after Construction of my house. Today the representatives of XXXX came to my house to install the gas range and it appeared that they delivered wrong item. The gas range was electric working with XXXX volt which can not work in my house. I called the customer service and told them that it was a wrong delivery and asked to replace it to gas range working with gas. The customer service connected me with support team telling that they would offer me some option to resolve the issue. The support team told ne that because of my a year warranty it was possible to replace ir return the item and gave me a phone number. I called the given number but it did not work. i called the customer service and told that I was given a number that did not work then they connected me with warranty department where I was given another number for resolution of the problem. This time the phone number did not exist either. I calked the customer service the third time and told them how ling thy were going to kid me and asked to connect with their supervisor. The woman as a robot repeated the same thing and did not connect with supervisor telling that the supervisor was not available as I understood he/she is never available. I asked them just to replace the gas range but no way to replace it. I spoke to XXXX people and each if them told me different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
My credit report was exposed to a data breach.and I have received multiple pulls on my credit file I did not authorize both hard and soft pull to my 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report was exposed to a data breach.and I have received multiple pulls on my credit file I did not authorize both hard and soft pull to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
Ive found erroneous hard inquiries on my credit file that were not approved by me. This incorrect information violates 15 USC 1681c-2, and I request its removal.

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 2024-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX  days. Supporting documents are attached.

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 2024-12-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im not going to stop until experian tells me why an inaccurate account ( XXXX XXXX XXXX ) that provided them inaccurate dates is said to be accurate. I dont want to get anymore Were still working on your issue just to have them put the account in dispute status for a few days, then verify it as accurate at the end without any explanation as to why. If you have a credit card that has not been paid for several months, and those payments were never brought current, your first date of delinquency would not be the date the card was closed and charged off. It would be the time where the account was never brought into a current status again. The same thing applies to this collection account that somehow states that the account begun its delinquency on XX/XX/year>, but had a balance of thousands of dollars that was never paid prior to that month. ( Heres I attach a statement called XXXX that shows a balance of over {$2700.00} that was existent prior to XX/XX/year> ) These are not my rules. These are the guidelines of the FCRA. This information is vital and crucial to the life of the collection accounts existence to the credit reporting system.

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 2024-12-18 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:
Upon checking my credit file, I found accounts that seem to have been added without my knowledge. I request their immediate removal from my 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 2024-12-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, CT, XXXX ] [ XXXX ] [ XXXX ] I am writing to formally file a complaint regarding the recent closure of my checking account without prior notice or explanation. On [ XX/XX/year> ], I attempted to transfer funds from my checking account to my savings account, and shortly after, I was informed that my account had been closed. 

At the time of the closure, there was a balance of over {$22000.00} in my account, and I am now unable to access these funds. Despite my attempts to resolve this matter, I have been informed that my account will not be reinstated. 

Given the circumstances, I am requesting that the full balance of my account be issued to me via check within XXXX  days from the date of this letter. If I do not receive the funds within this timeframe, I will have no choice but to pursue legal action to recover my money and address the unfair and unlawful closure of my account. 

Please treat this matter with the urgency it deserves. If I do not hear from you or receive the check within the stated period, I will proceed with all available legal avenues, including filing a complaint with relevant regulatory authorities. 

I expect prompt resolution and thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX Thats the letter I sent them the close my account with over XXXX in there for no reason all I was doing was transferring money from my checking to my savings account all the proof of transactions are on the account I was wrongly accused of fraud by the system and they close my account and never said I can bank with them again and ruined everything for me as far as paying my bills and credit cards on time and Im very upset and disappointed I was A valuable customer I felt profiled going into my local branch just to take out money now I feel like they closed my account to keep my money and Im very upset and angry and hurt by it cause that money was mine and I earned that for them to just take it away and make me wait to get it in a check but I want to make sure I get the full amount and that I actually receive a check in a reasonable time

Company response to consumer: Closed with explanation