vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14 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: IN

Complaint narrative:
My credit report includes some billing mistakes with late payments that dont reflect my usual payment history. Please correct these errors and adjust my account accordingly.

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 2024-11-14 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: MO

Complaint narrative:
Mistakes involving unauthorized inquiries are present on my credit report per 15 USC 16c-2. Please remove them to prevent further damage.

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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am sending another message to bring to your attention an issue of XXXX XXXX XXXX reporting fraudulent information on my credit I reached out to you about the company harassing me with text messages and emails. Now they are reporting fraudulent information. The company responded to my complaint, stating they were going to cease and dismiss all activity. Well, they lied. Now they have started reporting false information to the credit bureaus. I would like legal action taken against this company and fines imposed for harassment and discrimination by XXXX XXXX XXXX. This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. I am requesting that your company take immediate action to investigate and address this issue again. I strongly encourage you to take immediate action. I have filed a complaint with the attorney general to address this issue, as it has caused a more severe impact on my mental and physical well-being. I am now seeking counseling due to the stress that XXXX XXXX XXXX has caused me. I have studied the laws of Section 605B of the Fair Credit Reporting Act, which details your responsibility to investigate a company for harassment discrimination, and fraudulent information on my credit report. Please let me know if you need any other information from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Reached out for help with the open issues. 
Howdy! A few things ; 1 ) I was told I'd have six months before I had to start paying for this, 2 ) Your system won't let me use my bank account to make a payment, and, 3 ) I don't think the balance is correct, but I can't seem to find the details of charges in my account. 
Help? 

Three chats, no help.

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 2024-11-14 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: PA

Complaint narrative:
This morning, I found out that there are unauthorized inquiries on my credit report, which I can't explain. I check my report regularly, but this time I saw strange discrepancies. I even tried reloading the page in case it was a glitch, but nothing changed. Im really frustrated by this, and I need the documents I provided to be thoroughly reviewed so I dont have to worry about this happening again.

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 2024-11-14 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: PA

Complaint narrative:
I discovered some unauthorized inquiries on my credit report this morning, and I have no idea why they're there. When I checked as usual, I was shocked to see these unexpected entries. I refreshed the page, thinking it might be a glitch, but they remained. Im extremely frustrated by this issue and need the documents I sent to be reviewed carefully so that I can have peace of mind once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Re : Identity Theft Report Account Fraud Notification Dear EXPERIAN, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX  Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX  XXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX CREDIT ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : 1. Close or freeze the account to prevent further unauthorized activity.

2. Remove any negative information related to this account from my credit report.

3. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, 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 2024-11-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was told the credit card inquiry at XXXX XXXX on XXXX XXXX XXXX, XXXX, VA XXXX was a soft pull and wouldn't impact my credit. 

However, this information was false and my credit score was impacted. 

Not only that, but the cashier manually put in the card information and initiated the transaction without my consent.

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 2024-11-14 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: NY

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX : {$58000.00} XXXX. Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$51000.00} XXXX. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.

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 2024-11-14 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management reports owning a debt for MCM # XXXX in the amount of {$360.00} This is inaccurate information being reported to credit bureaus for an alleged debt in addition to double reporting for a reported debt that is currently on my credit file from the ORIGINAL CREDITOR, additional the balance reported requesting collection of, is inaccurate and therefore being disputed. 


duplicate reporting to credit agencies, using deceptive practices and inaccuracies is a violation of FCRA 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: IN

Complaint narrative:
I noticed billing errors on my credit report showing late payments that don't match my typical record. Please fix these inaccuracies and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the accounts to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: UT

Complaint narrative:
I contacted trust wallet customer service. XXXX regarding XXXX XXXX XXXX investment that was in view only mode. On XX/XX/XXXX. 

In providing a short description. XXXX from Trust wallet shared for me to download software from XXXX XXXX called anydesk software to remote connect. 

XXXX confirmed that the funds {$340000.00} were recoverable but controlled by a scammer. 

I would need to send whatever amount I wanted to recover XXXX XXXX  to my trust wallet by wire. 

This was my retirement funds after XXXX XXXX XXXX which had been previously scammed. So yes, I wanted to recover. But voiced concern this might too be scam. XXXX assured me he hadnt asked me to send him money. Or asked for my wallet ID. So assured me he was not a scammer. 

I went to bank and wired $ XXXX to the wallet. 
Acknowledged the receipt of funds in my XXXX wallet on XX/XX/XXXX On XX/XX/XXXX, I called XXXX to begin the investment process. Those funds were sent from kraken to Trust. Once the funds were sent to trust. They disappeared. XXXX assured me the funds would appear in my wallet within couple minutes. 

Waiting those couple minutes. The call was disconnected. I attempted to call the trust customer service back XXXX. Phone number was no longer working. Called XXXX XXXX. Number had been disconnected Have learned using another phone, the XXXX number is still a working number. So appears XXXX has blocked me. 

Appears the scammers trust wallet is visible which they have scammed multiple people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
This bankruptcy entry has caused me significant financial and emotional hardship, severely impacting my ability to support myself and my family. I believe that this record has either been reported inaccurately or has remained on my credit report for a period longer than permitted by law. Additionally, I believe this matter has not been handled in compliance with the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2024-11-14 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: TX

Complaint narrative:
XX/XX/year> Dear CFPB, Subject : Demand for Immediate Correction of Erroneous Late Payment Reporting I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with SECURITY FIN. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account : 60-Day Late Payment : Incorrectly reported as 60 days late in XXXX, despite my timely payment history. 
Account Status and Remarks : Inaccurately listed as " Closed '' and " Late 60 Days '' on XX/XX/year>, yet no corrections were made following my initial disputes. 
Dispute Status : Incorrectly reflected as " Account not disputed, '' even though Ive raised disputes on XX/XX/year> and XX/XX/year>, which remain unresolved. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-14 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:
I have unauthorized inquiries, that i do not recognize on my reports dated XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.

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 2024-11-14 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:
I have unauthorized inquiries, that i do not recognize on my reports dated XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 I contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 recently reviewed a copy my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit

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