vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> XXXX inquires on my credit were completed by Capital One. One inquiry was tied to an address in Utah, while another was tied to an address in Virginia. It appears as though the application to VA fell through, as there are no other records indicating an open line of credit. On the other hand, the inquiry from Capital One in Utah did go through and a line of credit was opened in my ( maiden ) name, current address, email, and an unknown phone number. The card has been active since at least XX/XX/year> because there are records of a paid statement dated at the end of XX/XX/year>. Additionally, on XX/XX/year>, someone attempted to open a credit card with XXXX. I recieved an automated text and email thanking me for opening an account with the company. I believed the text to be a scam, so I did not click on any links or reply. When I checked my email, I was able to verify that the email was sent from a verified/secure email account affiliated with XXXX. I called XXXX and reported the account as fraudulent, and they successfully closed the account. Following that phone call, I created an account with XXXX and reported the fraudulent activity and froze my credit. Today, XX/XX/year>, I called my banking institution to check activity on my account, and confirmed that no suspicious activity was found. I will be following up with Capital one today to ensure the accounts have been closed and dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I wanted to send funds to my friend in XXXX and she suggested XXXX. I downloaded the app onto my IPhone. Next, I attempted to create a new account. My email address showed up as having an account already. I didn't remember having an account with XXXX, but I followed the prompt for 'forgot password. ' I was able to get the verification code and successfully logged in. I initiated a payment to my friend and something strange occurred- a different address popped up. I changed the address, thinking it was just a pre-populated example of an address or something. I confirmed the payment and then I saw a screen that showed me a different person 's name as the sender of the payment, as well as a different phone number. I saw the option to cancel and immediately selected it. The money has already been debited from my checking account in a pending transaction. I also received an email stating that my I called XXXX customer service and they confirmed it can take up to XX/XX/XXXX days for the hold to drop off. I am unhappy about that, but I am much more concerned with the safety of this platform. How could this happen? Who is the other individual? Were they using my personal email address on the company 's app? Is my email address linked to fraudulent activity? Why am I unable to create a valid account using my personal email address? I did not receive any satisfactory answers from customer service even when I escalated to a XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX VERIFY - XX/XX/XXXX RESIDENT VERIFY - XX/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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am writing to complain about ACIMA DIGITAL FKA SIMPLE, According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. I am not liable for this debt with ACIMA DIGITAL FKA SIMPLE, i do not have a contract with ACIMA DIGITAL FKA SIMPLE and they did not provide the original contract as i requested. 

The amount shown is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
wrong address, personal information wrong.

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 2024-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
Sent recent XXXX request to servicer for mortgage assistance my bills are less, and my financial circumstances have changed. My servicer received XXXX XXXX XXXX XXXX  from Tennessee state government XXXX 2024 to reinstate my mortgage, XXXX months of mortgage payments too. I feel I am being discriminated against because of being a XXXX woman on XXXX. My bankruptcy has been dismissed giving me additional income. They are not reviewing my request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the past years ALL XXXX bureaus ( XXXX, XXXX and Transunion ) have played yoyo with my life line ( my credit score ). 2019 I was faced with a serious dilemna and cash was stolen. I had to file bankruptcy and cleared.Even at that time my payments were not dilinquent. These XXXX posted I had SERIOUS DILINQUENCES! I searched my credit reports and did NOT find ANY. XXXX posted one long before this public notice and could not and did not prove I was EVER late! I paid off the vehicle and even after I never saw a result for that dispute ( years later they Happily financed a small balance on a SUV I paid off early, AGAIN ). Now, back to the post bankruptcy they deducted tons and tons of points and it still did NOT completely ruin me. Why? I have NEVER, NEVER been late or missed a payment, even up to charge-offs. The bureaus still and to this day are deducting XXXX or more for frivilous idiotic reasons to keep my score low. For example, For XXXX XXXX deducted XXXX points and Transunion and XXXX XXXX for credit card increase. My credit cards total a whopping {$14000.00} available credit ( XXXX cards ) I bought some extra items and foods on XXXX that just now totaled {$970.00} together and the XXXX card has a XXXX payments continue to be un-missed and on time as it has been for years. My my credit score moves up to high XXXX 's they fabricate a lie ( s ) to decrease my score. I have spoken with other people having the same or similiar difficulties. When I contcated these people ( when you can reach them ) they pull some idiotic mess out the air to get rid of you by saying oh we use other data but, can NEVER show what that data or metric is and you have NOTHINGa wrong. This is my life they play with unitl they want to pedal some mess I don't want or NEED. 
They have published inconsistiences and when I return to copy the emails or texts... they are GONE. I ordered a credit report before this complaint and I see NO delinquent accounts ... ..ever. Nor late payments nor derrogatory info.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.

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 2024-05-08 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: CA

Complaint narrative:
Dear [ Recipient ], I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and Experian conduct their operations with

fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Experian, or any furnisher of information to credit agencies to share my personal information. Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer
reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by

15 U.S. Code 1681e. Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XX/XX/24 - Customer XXXX XXXX purchased a XXXX XXXX  online and paid via XXXX XXXX XXXX XXXXhrough email Review and Pay option. Invoice can be sent. 

XX/XX/24 - Funds cleared our bank and the cart was scheduled to be picked up and delivered by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

XX/XX/24 - Charge was disputed by customer and funds were taken out on XX/XX/24 XX/XX/24 - XXXX XXXX XXXX and XXXX submitted a police report ( also can be sent ) XX/XX/24 - XXXX XXXXequested information from local ( XXXX Police Department ) agency on the event. We were told that the County that they tried to contact would not cooperate and to just wait. XXXX did reach out and gather more information on the two parties involved ( XXXX XXXX from Kentucky that ordered it and paid. And the recipient XXXX XXXX in Alabama ) this information can be shared via email as well. 

We have pictures of the home it was left along with photo IDs of both parties. Apparently, XXXX determined at that point that the card was stolen and did not know how the transaction would have even worked since the victim of the card theft canceled that card and already had a new one. 

We called American Express and were told to have XXXX XXXX call to fix the issue. 

XXXX XXXX stated that there is nothing that they can do. 

We tried XXXX XXXX again as of XX/XX/24. 

We lost possession of the vehicle and as the victim, we still have lost {$11000.00} even though we never put the card information in. 

It was accepted by XXXX and we even waited for the funds to clear over several days since the different addresses seemed odd. Once funds cleared, we completed our end of the transaction as required. 

The dispute claimed that no card was present. But the consumer put in the information via internet. 

XX/XX/24 - Patriot will be reaching out to the reporting agency ( XXXX ) XX/XX/24 - reporting to CFPB to hopefully resolve the issue after a XXXX, FTC, FBI complaints have been made. 

Possibly have the American Express and XXXX XXXX companies do a IP address check and remedy the issue that made us a victim. All our calls to both companies have to date left the issue unresolved. Thank you

Company response to consumer: Closed with explanation