vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted the credit bureaus about these inquiries that are on my credit report that I have no knowledge of applying for. I asked the credit bureaus to remove the inquiries from my credit report due the fact that I did not authorize these companies to run my credit which makes them fraudulent. 

XXXX. XXXX : Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

XXXX. XXXX Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

Thank you in advance for your assistance, 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and 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 non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized.

I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system.

Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by CHEXSYSTEMS, It has come to my attention that CHEXSYSTEMS may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations.

As a customer of CHEXSYSTEMS, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations.

I demand that CHEXSYSTEMS promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that CHEXSYSTEMS conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that CHEXSYSTEMS has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary.

I trust that CHEXSYSTEMS will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXXBALANCE XXXX XXXXXXXXDate Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXBALANCE {$580.00} -Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX -BALANCE {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on the following date : XXXX. XXXX, 2018 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
I'm using gift cards from Blackhawk Network XX/XX/XXXXXXXX ( XXXX, XXXX ), and they have specific websites like XX/XX/XXXX XXXX XXXX XXXX XXXX to manage these cards. Recently, they introduced a bot detection system that is supposed to identify and block automated scripts, displaying a message that " you are entering information too fast. '' However, I am manually typing all the information, typically at a pace of one card per minute. Despite this, I am being blocked for 24 hours, and the only way to check a card balance is to enter the card information once every 20-30 minutes, even though they already have human authentication checks in place.

I believe they should either reduce the time limit or provide an authentication option that allows users to sign in and verify their cards with whatever frequency they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Made a wire transfer from XXXX XXXX XXXX from my savings account on XX/XX/24 i have XXXXaccounts the checking savings and brokerage which they authorized then the next day they froze all XXXX accounts before reaching out to me which they say was for unusual activity called on XX/XX/XXXX took along time to get through on hold for at least XXXX minutes talked to XXXX XXXX  XXXX XXXX am he said call back at XXXX again on hold then spoke to XXXX XXXX  on hold again finally talked to the security team they asked many questions i tried to tell them this and other transactions are legit i sent them i signed letter saying so then they wanted a trusted contact i gave them that then they wanted to speak to her then i contacted they security team and me and her spoke to them again on XX/XX/XXXX to no avail they are saying something like identity theft i keep trying to tell them this is not so im retired on social security and i have XXXX figures there and i need some of that money to make ends meet most of my life savings is there and they are causing me financial hardship im am so sorry i ever put my money there i have {$190000.00} there and cant do anything cant withdrawl cant buy stock or sell cant write checks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have accounts that was opened fraudulently I filed my identity theft report it is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I opened a SoFi Savings account on XX/XX/XXXX, because the advertised APY of 4.60 % was above many comparable HYSA and didn't have any fee or minimum requirements per the website. I received both mail solicitations and online advertisements mentioning only this 4.60 % APY. I was a little skeptical so I checked the rate sheet for the account as linked in the account terms and saw that the only APY listed for the savings option was that 4.60 % rate. When I scheduled a deposit from my checking account, however, the APY listed was only 1.60 %. After closer inspection, the high yield rate was only available if I paid in over XXXX XXXX monthly or scheduled a direct deposit, which I wasn't going to be able to do and would have stopped me from opening the account if it was disclosed properly. I closed my account immediately after learning this, as I had no need for a savings account with that rate, but I'm worried that now I will have a " red flag '' on my disclosure reports for opening and closing an account in such a short period of time. SoFi Bank 's predatory and false advertising has caused me significant stress and loss of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by XXXX, It has come to my attention that XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 
As a customer of XXXX, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 
I demand that XXXX promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that XXXX has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to formally request the reopening of my Capital One XXXX card account, which was recently closed. 

Unfortunately, my account was closed following a returned payment, despite my bank account having sufficient funds to cover the transaction. I have contacted customer support and was assured that everything should have proceeded without issue. However, the account was closed, and I have been unable to resolve the matter through previous communications. 

I kindly ask that you review the circumstances surrounding the closure of my account and take the necessary steps to reinstate it. Attached are copies of relevant documents and correspondence related to this issue for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX ( Capital XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach and respond by CFPB to get proof

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