vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with Cewdit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing significant distress and inconvenience. 

I discovered unauthorized transactions on my account, indicating fraudulent activity. Immediately, I contacted your customer service department to report the issue and initiated the necessary procedures to resolve the matter. 

Since then, I have made numerous calls, submitted written requests, and provided all the required documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these efforts, the unauthorized transactions continue to impact my account. 

I have attached a detailed timeline of my interactions with your institution, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The lack of resolution in this matter is causing financial strain and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urge you to conduct a thorough investigation into the matter, remove the fraudulent items from my account, and take necessary measures to prevent any further unauthorized activity. Additionally, I request clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will be compelled to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX  nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX  did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.

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 2024-01-08 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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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
Consumer complaint received 2024-01-09 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX I have sent a letter to XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from XXXX  a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. XXXX  violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. 
On XX/XX/XXXX XXXX  responded with letter that the information is correct but it is defiantly was not proof required by law.

I have sent them my second letter on XX/XX/XXXX giving them a final opportunity to resolve the matter but they ignored it and on XX/XX/XXXX XXXX  responded that the disputed information is the same as the last one and refused to investigate.

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 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Vanilla Visa ( vanillagift.com ) card received XX/XX/2023 and although it shows as active with a {$25.00} balance, it has been declined by 2 restaurants, XXXX, XXXX, XXXX XXXX, and XXXX on XXXX. At the service phone of ( XXXX ) XXXX it is impossible to get a human response. 2 calls today. Via search engines, I see many complaints raised about similar issues. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MN

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-01-08 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:
please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: AZ

Complaint narrative:
I have been having the worst issues with fraud caused by an individual in XXXX XXXX. She has accessed my account and drained my funds. This has been ongoing for over 2 months now. I've reported the issue several times, but the fraudster keeps calling back and changing my address and phone number back to her information. After getting my 5th new debit card and disputing all charges, making an account passcode, the account was handed right back over to this individual and I can not get any assistance since I can not verify her email address or phone number. I was told today that they do not set up passwords for accounts, although the last person I spoke with that I thought I resolved this issue with, that the password would be required before any account changes could be made or any access to the account period. Apparently that was false because I am now locked out of my account. Because of this I am about to be evicted because I have not had access to any of my funds for 2 plus months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc
State: KY

Complaint narrative:
XXXX XXXX stated they bought the debt from Uplift. I informed Uplift that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to XXXX XXXX. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2024-01-09 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was checking my credit score on XXXX using a different crediting agency other than XXXX XXXX and I noticed about 50+ inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. 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. some of them more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TN

Complaint narrative:
I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.

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 2024-01-09 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: TN

Complaint narrative:
I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3  major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TN

Complaint narrative:
I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I recently provided Navy Federal with two promissory notes/ securities which gave Navy Federal value. According to Note 4 : Loan Sales and Continuing Involvement in Assets Transferred of Navy Federal annual report it states : " The XXXX  and XXXX generally securitize loans into mortgage-backed securities that are sold to third-party investors in the secondary market or retained by Navy Federal for investment purpose . Seeing that the promissory note/securities for a Navy Federal Flagships Reward Credit Card & {$50000.00} personal loan gave Navy Federal value to exchange on the secondary market. In good faith I hereby demand Navy Federal Credit Unions Lending Team ( Fiduciary ) to approve both applications. If my applications can not be approved, Then I kindly instruct Navy Federal Credit Union to rescind my applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/2024 me and my son woke up to our account being closed. I have my deposit from work going there every other week. I have reached out to this company asking this what is going on with my account. All they say is terms and conditions. I have not broke any rules or terms and conditions. Also I get paid this week and these people told me they will send the deposit back and then the depositor will have to resend my check that's going to take 2-3 weeks I have bills to pay. This is ridiculous no answer as to why or anything. No terms have been violated no one can give me a straight answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-09 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: TX

Complaint narrative:
Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company XXXX XXXX XXXX  XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit 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 non-monetary relief
Consumer complaint received 2024-01-08 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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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