vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed several items on my credit report to Transunion and XXXX regarding XXXX XXXX XXXX XXXX. I never knew WHO, WHAT or WHERE this debt came from and I asked both the company and both credit reporting agencies as PROOF of this debt. There was no proof of this being my account, and yet, it remains on my credit reports as a CHARGE-OFF.

XXXX XXXX XXXX  is yet another collector using illegal practices. I graduated from XXXX  in XXXX  of 2016. And yet, this company has listed this as a NEW debt 4 years later. I have never even heard of these people. Old debt can't be listed as new debt.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft and I believe everyone one is attempting to take advantage of me based off these fraudulent errors on my consumer 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 explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft and I believe everyone one is attempting to take advantage of me based off these fraudulent errors on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have previously submitted a fraud claim to Navy Federal Credit Union for all of the transactions that were charged to my credit card between XX/XX/XXXX - XX/XX/XXXX totaling {$27000.00}. For NFCU to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a submarine in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX  during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXXXXXX XXXX XXXX XXXXo suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from NFCU and allowed her to change my passwords all while pretending to be me. She also did this with my XXXX accounts. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from NFCU ( SMS code XXXX ) were received on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a XXXX XXXXXXXX / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and with this new information that I have provided both XXXX XXXX and XXXX XXXX Department Store has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have talked to several people at Transunion and explained that the inquires on my report that they have not deleted per my request that this is all 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 explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I ordered a discover card on XX/XX/XXXX, it never arrived. I became aware that the card had been nearly maxed out. I contacted Discover and was advised that I needn't worry, they would cancel the card and the charges, issue a new card, and that I " definitely won't have to pay for those charges. '' 4 months later, the charge is back on my account, the " investigation '' determined that since the charges were within a certain radius of my home ( a radius in which over 9 million people live ), and since the card was activated, the charges are my responsibility. I have repeatedly attempted to get the investigation team to tell me exactly what information they want me to provide them in order to prove I had nothing to do with this, and I have followed their suggestions to the best of my ability, but they refuse to even reopen the dispute at this point. I have filed a police report, a report with XXXX, since it was stolen from the mail, I filed an incident report with the XXXX, I obtained and provided copies of my phone records to show that I didn't activate the card. I have sent them copies of my XXXXXXXX XXXX timeline showing I was not in the area of the retailers where the charges were made on the days in question, I have called them multiple times to attempt to resolve the issue and sent them a great deal of corroborating documentation. They refuse to reconsider their erroneous finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Recently I sent a correspondence to Navient Solutions LLC regarding an alleged debt. I requested validation of the alleged debt in accordance with 15 USC 1692g, ledger/journals of Navient financials and the rescission forms regarding this credit transaction. Navient failed to validate this alleged debt. I was sent statement documentation and an incomplete application with personal information ( that I did not consent to Navient having or reproducing ) none of which bared my signature. Navient did not respond to my inquiries regarding the alleged debt. I informed Navient in that correspondence that I was in fact disputing their claim and to cease all collections until they were able to validate the referenced claim. Navient continually harassed me via mailings regarding the alleged debt, did not report that this alleged debt was being disputed and reported to credit reporting agencies that this payment was 90 days late. Navient also ( without consent ) shared my information with XXXX, who also requested that I provide payment to them for the same alleged debt with a different account number. My privacy has been infringed upon. Navient failed to provide proper documentation to validate their claim. Navient 's engagement in these abusive practices has injured my mental state, my credit, and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have requested Equifax, in the past 4 months on 3 separate occasions, beginning XX/XX/2021, for an unverifiable collection ( no creditor name, no collection company name ) you simply can not verify this account, to be removed. It has been 4 months, it's still on my credit report. Ive attached a screen shoot of the collection, and all the letters Ive sent Equifax. Not to mention they keep re-aging the account. which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is the second attempt to submit recent complaint to Experian. I submitted the original complaint to CFPB myself, XXXX XXXX. I'm also attaching my identification to this complaint. You can refer to CFPB complaint XXXX along with the documentation associated with the complaint.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called Transunion and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not 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 explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have called Equifax and spoke with so many people in the fraud department saying they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called Experian and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not 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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive filed an identity theft with FTC and sent all supporting documents to TransUnion & XXXX First letter was in XXXX and I have sent 5 letters including copies of the fraud report and they still have not removed this item from 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 explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The following account is not mine CAPITAL ONE BANK USA N Account number : XXXX Date opened : XX/XX/2017 Please remove it from my credit report This was unauthorized and against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted TransUnion, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

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 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
Since XXXX XXXX, just when the pandemic was about to start, i have been trying to get direct expreess bank attencion, someone use my debit card use more than XXXX dlls, and direct exprees have been not listen to me, the just treat me as I do not exist, when i have talk to them, they say we will call u today, or next week, finaly promesa to review, and updated me in 10 days, is over a monthr during the pandemic i wait over 40 min over and over they always hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
1.Navy Federal XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation