vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ON XX/XX/XXXX of XXXX  I was a victim of a XXXX  accident which left me XXXX XXXX XXXX. 

My wallet and some other belongings were stolen and my debit card was used by the thief in the months I was in XXXX, NO PIN WAS EVER used in these purchases. No signature either, no type of security from chase was ever granted. I was unprotected and chase never did anything about it. My father tried cancelling the card but chase denied him access because hes not allowed to do anything with my account. He had my phone and was able to login the mobile banking however he didnt know how to block the card he is old, I had to wait until I woke up from the XXXX  to find out about this, many transactions were made without my consent. I was supposed to be protected by CHASE, who is a multi million dollar company. I have proof such as a hospital discharge form, a police report and an affidavit. 

I am only asking for CHASE to do whats fair, and help me get my money back they just told me I am responsible for these transactions, however it only took them 3 days to determine this, they didnt even do the proper investigation, they didnt even give it the legal time to properly investigate this case. I am only asking for what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit report. Despite multiple attempts to rectify this issue, the fraudulent entries continue to negatively impact my credit score and financial reputation. 

Upon reviewing my credit report on [ date of initial discovery ], I discovered several fraudulent items that I did not authorize or recognize. Since then, I have made numerous attempts to have these fraudulent entries removed from my credit report. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items remain unresolved. 

The presence of these fraudulent items not only undermines the accuracy and integrity of my credit report but also poses a significant threat to my financial well-being. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. 
With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.

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 2024-03-07 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 am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit report. Despite multiple attempts to rectify this issue, the fraudulent entries continue to negatively impact my credit score and financial reputation. 

Upon reviewing my credit report on [ date of initial discovery ], I discovered several fraudulent items that I did not authorize or recognize. Since then, I have made numerous attempts to have these fraudulent entries removed from my credit report. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items remain unresolved. 

The presence of these fraudulent items not only undermines the accuracy and integrity of my credit report but also poses a significant threat to my financial well-being. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. 
With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: DISCOVER BANK
State: CA

Complaint narrative:
I know knowledge of discover account.can a XXXX be honest for once.account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: AL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; TXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
My device was hacked and the cash app card was saved in the XXXX  wallet. My debit card was also in my wallet. The perpetrator erased my phone but not before XXXX from me through cash app. I believe the people that hacked me contacted me and pretended to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws, as outlined below : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. Despite repeated attempts, XXXX XXXX XXXX has failed to provide validation information regarding a collection placed on my consumer report. 

Denial of Dispute Rights : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute accounts reported by collection agencies. However, I have not been given the opportunity to dispute the account in question, depriving me of my rights under this regulation. 

Use of False and Deceptive Means : It has come to my attention that XXXX XXXX XXXX has been engaging in false, misleading, and deceptive practices in their attempts to collect on the alleged debt. Such actions are in direct violation of consumer rights and constitute a clear breach of trust. 

Failure to Provide Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), collection agencies must provide all disclosures required by law before furnishing any account to consumer reporting agencies. XXXX XXXX XXXX has blatantly disregarded this requirement and furnished the account to consumer reporting agencies without providing the necessary disclosures. 

These actions by XXXX XXXX XXXX not only infringe upon my consumer rights but also undermine the integrity of consumer protection laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX Collection to ensure compliance with federal regulations and to protect the rights of consumers. 

Thank you for your attention to this matter. 
Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2024, I sent out a dispute letter to XXXX, Transunion and XXXX enclosing my ID and Social Security Card. I received a letter from XXXX dated XX/XX/2024 requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/2024. 

I also received a letter from Transunion indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. Transunion did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested XXXX, Transunion and XXXX do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2024, I sent out a dispute letter to XXXX, XXXX and Experian enclosing my ID and Social Security Card. I received a letter from XXXX dated XX/XX/2024 requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/2024. 

I also received a letter from XXXX indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. XXXX did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested XXXX, XXXX and Experian do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.

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 2024-03-07 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XXXX/BRIDGECREST reprocessed my car falsely in XX/XX/2020. All payments were being made but according to Bridgecrest I had not paid after the repo in XXXX. I disputed these inaccuratcies to no avail. After further investigation and at their cost the car was returned to the co-owner and I was told a new loan had to be created ( XXXX XXXX, former co-owner ). No new paperwork or correspondence was issued or signed by me to refinance or create a new loan yet I still held responsibility according to my credit report. From XXXX until XXXX Bridgecrest had no activity on this loan because there was no loan. This is my proof that they were establishing a new loan. In XXXX it showed as a repo on my credit which I never signed a new loan after the XXXX repo and I didn't have possession of the car. I have disputed and requested where I authorized the new loan as the expressed that had to create.

Company response to consumer: Closed with explanation