vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KS

Complaint narrative:
I am writing to formally dispute a charge on my account related to a XX/XX/year> transaction with XXXX, amounting to {$41.00} for a XXXX subscription. 

On XX/XX/year>, I was charged for the XXXX merchandise, despite XXXXXXXX XXXX failure to deliver the XXXX subscription merchandise. Due to this failure, I disputed the charge with both XXXX and Discover, while also canceling my subscription with XXXX due to their gross negligence and breach of the subscription agreement. I specifically instructed XXXX not to ship the XXXX merchandise. 

In response, Discover issued a temporary credit for both the XXXX charge ( {$41.00} ) and the XXXX charge ( {$41.00} ). On XX/XX/year>, XXXX issued a refund for the XXXX charge, and Discover rightfully reversed the temporary credit for that charge. 

Although the XXXX merchandise was allegedly shipped, the tracking number indicates delivery, I never received the package. Despite this, Discover erroneously reversed the temporary credit for the XXXX charge of {$41.00}. I attempted to resolve this issue by disputing the charge again with a representative, but unfortunately, I was disconnected during the call. 

As of today, I continue to dispute the XX/XX/year> charge of {$41.00}, as I have not received the merchandise. Furthermore, I would like to note that XXXX has deleted all account activity and purchase history from my customer portal, further complicating the resolution of this issue. 

I request that this charge be fully refunded, and I would appreciate your prompt attention to this matter. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO INTENT TO SUE United States Certified Mail Receipt Number : XXXX Effective Date : XX/XX/year> Defendant : TransUnion LLC XXXX XXXX XXXX XXXX XXXX IL XXXX Settlement Demands : Payment in the amount of XXXX XXXX XXXX ( {$25000.00} ) for severe damages and laws broken as outlined in the attached Exhibit A - Civil Liabilities. Please remittance via cashiers check, made payable to XXXX XXXX, mail to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Complete deletion of accounts in Exhibit B Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S Code 1681a ( 2 ) - reporting of excluded information ; 15 U.S Code 1681b ( 2 ) - furnishing consumer report under no permissible purpose ; 15 U.S Code 1681c ( 5 ) - reporting adverse information ; 15 U.S Code 1681e ( B ) - failure to follow reason procedures to assure accuracy of consumer report Liability : Pursuant to Fair Credit Reporting Act 15 U.S Code 1681n - Civil liability for willful noncompliance This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 10 days from the Effective Date. 

Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act Without Prejudice,

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 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance $ XXXX Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance $ XXXX-Chargeoff XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2300.00} Chargeoff XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} late closed XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance {$6100.00} Chargeoff 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/year> From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To : Wells Fargo Claim # XXXX XXXX XXXX On XX/XX/year>, a person by the name of XXXX XXXX acquired {$260.00} from my Wells Fargo ( XXXX ) account. 
The memo says : XXXX XXXX XXXX wall repair from XXXX. 

I have lived in the same apartment for the last 9 years. 

The maintenance staff would take care of repairs of any kind. 

I do NOT know this person. 

Several phone calls have not resolved this issue. 

I request to be reimbursed for the {$260.00}. 

Thank you, 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 2024-12-21 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: NC

Complaint narrative:
The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX : Account # XXXX : Balance : {$1300.00} Fraudulent Account : XXXXXXXX XXXX XXXX : Account # XXXX : Balance : {$890.00} Fraudulent Account : State Employees : Account # XXXX : Balance : {$4200.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4700.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4400.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is for a XXXX XXXX XXXX. Due to 60 days past due from me being XXXX, due to a XXXX XXXX XXXXXXXX  restricted my card. My mom sent payments in manually to the mailing address for XXXX. I have never been late prior to my XXXX  injury in XXXX XXXX, I had an exceptional payment history. I ask XXXX as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting.

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 2024-12-21 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are inaccurate and should be removed. Specifically, I have identified several collection accounts listed that fail to provide adequate information regarding the original creditor, which I believe constitutes erroneous reporting. 

Upon reviewing my credit report, I found that these collection accounts lack sufficient details regarding the original creditor, including the name and contact information of the creditor, the date the debt was incurred, and other necessary data that would support the validity of these collections. Without this critical information, I am unable to verify the legitimacy of the debts, and they should not remain on my credit report. 

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that these collection accounts be removed from my credit file. I ask that you conduct a thorough investigation into these items, and if the information can not be substantiated by the original creditor, that these entries be promptly deleted from my report. 

For your reference, the specific collection accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following companies have made a hard inquiry on my credit report without my authorization please remove : XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 I believe this information to be unauthorized and fraud, please remove. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/year> RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Notice of Violation of the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> RE : Correction to my personal information Dear Equifax XXXX I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text message stating BofA Security : my name, did you apply for a new credit card in Mobile or Online Banking on XX/XX/XXXX? 
We'd like to make sure you authorized this activity. If you submitted this application, reply YES. If not, reply NO To opt out of fraud alerts, reply STOP. 

I immediately text back NO. I then got, We canceled the application request and restricted your Online and Mobile access. Call us at XXXX XXXX XXXX XXXX XXXX. ET After a few minutes I got a call from a representative from BofA stating that they got my message that I did not open the account. I did not get her name but she started asking me personal information which I was not comfortable in answering. I let her know that I was not comfortable and told her to cancel this transaction. She said she would and proceeded to instruct me to contact the three credit bureau to put a credit freeze. 
I contact XXXX and let them know what happened. Shortly after I get a letter in the mail from BofA regarding suspicious activity and also a credit card. I was not able to call them until today and informed representative XXXX at their fraud department that I had received a credit card that I did not apply for. She said the she would have to activate the account in order to close. I let her know that I want this off my credit report since I did not apply for this card. She then said she could not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I recently discovered significant inaccuracies and unauthorized entries on my credit report, which have left me both disappointed and frustrated. These errors represent a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my credit report contains : Incorrect Personal Information : Name : XXXX XXXX ( this is incorrect ). 
Previous Address : XXXX XXXX XXXX, XXXX, CT XXXX ( I have never lived at this address ). 
Date of Birth : XXXX ( this does not match my records ). 
Employer : XXXX ( this is inaccurate ). 
XXXX Accounts : XXXX : XXXX ( I do not recognize or authorize this account ). 
Unauthorized Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX These inaccuracies not only compromise the integrity of my credit report but also raise serious concerns about compliance with FCRA standards, particularly 605 and 611, which require credit reporting agencies to ensure accurate and verifiable information. 

I demand a verified, comprehensive, and truthful explanation for each item on my report. If these entries can not be substantiated with proper documentation, including my signature or electronic authorization, I expect them to be removed immediately. 

This situation has jeopardized the accuracy of my credit profile and could lead to potential financial repercussions. I insist on prompt action to rectify these errors, as accuracy and compliance are essential to safeguarding my creditworthiness and financial security.

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 2024-12-21 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted capital one about a credit card account I didnt open and didnt authorise to be opened under my name, social security , my address, and my bank account that was used fraudulently. They closed the credit card, however have decided to still make me responsible for the balance of XXXX and refused to do a proper investigation into the fraudulent opening and use of my information. I was hacked in XXXX. All my credit cards were fraudulently used and both my bank accounts with XXXX and XXXX  were also hacked and used fraudulently.

Company response to consumer: Closed with explanation