vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXXXXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXXXX

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 2024-02-21 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

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 2024-02-21 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX 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 2024-02-21 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: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
Halsted Financial Services , LLC XXXX XXXX XXXX, XXXX, IL XXXX OR XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Re : Request for Purchase Agreements- Account Number : XXXX. 
Account XXXX. XXXX Dear Halsted, Financial Services XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number XXXX. 
Account XXXX. XXXX. 

I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX. 
Account XXXX : XXXX. XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 

Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: PNC Bank N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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