vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX  XXXX bankruptcy, and they're stating on the results letter that they've verified through third party XXXX XXXX which I don't understand how this is possible. I have a security freeze that was placed on my credit file since 2019. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fraudulent accounts are : XXXX XXXX- XX/XX/year> XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-11-26 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:
The fraudulent accounts are : XXXX XXXX- XX/XX/year> XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/year> unauthorized use of my Wells Fargo debit card was used to make {$1500.00} of fraudulent purchases. My cell phone was hijacked. I contacted Wrlls Fargo within hours of discovering this issue. After 10 days they responded and did not honor my dispute. 

I have provided details of the hijacked phone. I discussed the fraudulent purchases of items Ive never before purchased from a company Ive never done business with. Wells Fargo refuses to honor my disputed claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
i am a identity theft victim i have been trying to get these items removed for years to no avail. ive never had an account with these companies. 

XXXX XXXX XXXXXXXX XXXX.JEFFERSON CAPITAL LL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
On XXXX IQ data int report a collection on my report for {$560.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Immediately after I sent Synchrony Legal Department a FOIL request, I discovered online on XX/XX/XXXX that my Synchrony Belk Mastercard credit limit was decreased without notice from {$2000.00} to {$250.00}. 

I am copying and pasting the letter that was sent via certified mail to the Synchrony Legal Department. In addition to seeking the records already requested in the letter, I am asking for an explanation in the credit limit decrease mentioned above. 

XX/XX/XXXX Synchrony Financial Legal Department c/o Corporate Secretary XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Via Certified Mail : XXXX XXXX XXXX XXXX XXXX XXXX RE : Freedom of Information request Dear Synchrony Legal Department : This correspondence serves as an official freedom of information request pertaining to several Synchrony credit card accounts ( Care Credit and Belk Rewards Mastercard ) that were registered under my Social Security ( XXXX ) from approximately XXXX to the present. I authorize you to search for these accounts listed under my Social Security number. 

I am requesting you send me the following within 30 calendar days : 1. Copies of all annual accounting ( tax ) documents for each of the two different accounts specifically the forms 1099C ; 1099A ; 1096 ; 1099 OID ; INC ; PRC. 
2. The complete agreement, full terms and conditions and disclosures for each of the two different accounts.

3. All documents relating to the securitization of each of the two different accounts.

4. Copies of correspondence Synchrony sent to cardholder XXXX XXXX regarding the securitization of the accounts. 
5. Copies of all Synchrony N.A. Uniform Commercial Code ( UCC ) filings for the two different accounts.

6. Any documents ( certified ) proving Synchrony used their own assets to finance the three accounts.

7. Any correspondence Synchrony received from cardholder XXXX XXXX from XX/XX/XXXX to the present to authorize Synchrony to check her credit report and to authorize Synchrony to furnish to the credit reporting agencies at any time. 
8. GAAP Bookkeeping entries for the two accounts in question.

9. The full name and contact information for the Synchrony registered agent who accepts summonses and civil complaints on behalf of Synchrony. 
Sincerely, /s/ 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 2024-11-25 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:
Dear CFPB Team, I am filing a formal complaint against Equifax regarding multiple unauthorized credit inquiries that have been placed on my credit report, which I believe were made without my consent. I contacted each creditor associated with these inquiries, and they were unable to provide any explanation or documentation proving that I authorized these inquiries. 
Under the Fair Credit Reporting Act ( FCRA ), only authorized parties with a permissible purpose may request my credit report. I assert that these inquiries violate my rights, and I am requesting their immediate removal. 
I have already contacted Equifax directly, but no resolution has been provided. As a result, I am seeking your assistance in ensuring that these unauthorized inquiries are removed from my credit file. 
Please refer to my case, which I have detailed in the enclosed correspondence with Equifax. I appreciate your prompt assistance in this matter. 

Dear Equifax Dispute Resolution Team, I am writing to formally dispute multiple unauthorized credit inquiries that appear on my Equifax credit report, which I believe were made without my consent or knowledge. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ), a credit inquiry can only be made by a party with a permissible purpose and with my express authorization.

The inquiries in question, which appear on my credit report under the above reference dates, were not authorized by me. I have contacted the creditors associated with these inquiries, and I have been informed that they are unable to provide any details or documentation about how these inquiries were made, nor could they confirm that I authorized them.

Under FCRA Section 1681c-2, I have the right to dispute and request the removal of any inaccurate or unauthorized information on my credit report. Furthermore, under the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 

I demand that Equifax investigate these unauthorized inquiries, remove them from my credit report, and provide me with written confirmation that this action has been taken. If these inquiries are not removed within the required time frame, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state authorities. 

Please respond to this dispute promptly, and I expect full removal of the unauthorized inquiries. I have attached a copy of my credit report with the relevant inquiries highlighted for your reference. 

Thank you for your prompt attention to this matter. I expect immediate action, as my creditworthiness has been negatively impacted by these unauthorized inquiries. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T Bank has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me 90 late and 120 days late in XX/XX/XXXX when I had funds for the FHA that was used to cover behind payments of XXXX after forbearance. But they report me late.

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 2024-11-25 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:
Dear Equifax, over the years in my life it has been hard of having my identity stolen. I do not have access to my social security card. I am asking that these accounts reporting gets removed from my report. I am unaware of the responsible party of these fraudulent accounts. It has been super hard on me after my loved one recently pass on being able to survive with living on my own after being a victim of identity theft. Not being able to finance because my credit profile was literally tarnished. I am really begging for help that this gets erased from my credit profile. It Is defamation to my character it has literally destroyed me for years. I am really asking if i can receive help getting these accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC
State: KY

Complaint narrative:
I do not recognize how this account is reporting on my credit report, I do not recognize the account numbers, the account status, the account high balances, nor do I recognize the late payments associated with this account, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) in the amount of {$1800.00}. I need the documents from this account with my signatures, from this company. Everything reported here does not meet the FCRA, through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. I appreciate your efforts in this matter and look forward to your response.

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 2024-11-25 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:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX & XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. XXXX XXXX XXXX {$640.00}, 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 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 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 non-monetary relief