vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I hope this letter finds you well. I am writing to emphasize an issue that, while often overlooked, has significant consequences for myself and society as a whole : identity theft. 

Identity theft is not just a minor inconvenience ; it can lead to severe financial and emotional distress for me as well as other victims. When someones personal information is stolen, it can result in fraudulent activities that tarnish their credit history, disrupt their financial stability, and cause immense stress. The aftermath of identity theft can take years to resolve, leaving victims feeling vulnerable and helpless. 

As technology continues to advance, so do the methods employed by identity thieves. It is crucial for everyone to remain vigilant and proactive in protecting their personal information. This includes using strong, unique passwords, being cautious about sharing personal details online, and regularly monitoring financial statements for any suspicious activity. 

I urge you to raise awareness about this issue within your company. By educating others on how to safeguard their information and the steps to take if they become a victim, we can collectively create a safer environment for everyone. 

Thank you for taking the time to consider the importance of this matter. Together, we can combat identity theft and protect ourselves and our loved ones. 

Sincerely, XXXX XXXX XXXX Attaching supporting Documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A person physically went to a Chase branch and posed as me. They went with a friend. Apparently they opened up a joint savings account. They linked all my other accounts. They transferred roughly $ XXXX out of multiple accounts to this new joint account and the either withdrew it or transferred to another Chase account that I did not have access. The thing that really annoys me is that I had this happen to me a couple of years ago. The bank said they put additional safeguards on my account, including an oral password needed for any in branch transaction. Apparently the process was not followed. I dont understand why they dont have multi step verification for in branch transactions. It makes no sense. Even if they CALLED me. Or sent a text code to my phone. Either of these would have saved me from what is going to be a nightmare to get my money back. Apparently, they dont have any of these protocols in place for in branch. In addition, all of this happened in 1 day. How did it not set off fraud signals? There were multiple high dollar transfers happening within minutes of each other. How does that not seem suspicious? And, apparently, the person did a teller cash withdrawal of $ XXXX. How did that not set off alerts? But most importantly, I feel like I was physically assaulted. I feel like I was physically violated and there needs to be some changes to Chases in branch transactions to make them more secure. Every back has online multi factor in place. The physical branch is very weak in terms of security and the CFPB needs to push them to make it more secure

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MA

Complaint narrative:
I am writing to formally complain about XXXX XXXX continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, XXXX XXXX continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that XXXX XXXX immediately stop reporting this account and that Eqifax ensures its permanent removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Violation of 15 U.S.C. 1692g This company failed to provide the required debt validation notice within the 5-day period mandated by 15 U.S.C. 1692g.

This section requires you to provide the following information within 5 days of the initial communication : 1. The amount of the debt 2. The name of the creditor 3. A statement indicating that the debt is assumed valid unless disputed within 30 days 4. A statement indicating that if disputed, the debt collector will obtain verification and provide it to the consumer.

Under section 15 U.S.C. 1692c which requires you to verify the debt and provide me with certain information.

Please provide me with the following : 1. The original contract or agreement I signed with the creditor.

2. A detailed accounting of the debt, including all charges and fees.

3. Verification of the debt, including the name and address of the original creditor.

4. A copy of any judgment or court order related to the debt.

5. Proof of ownership and chain of custody

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the XXXXXXXX XXXX XXXXXXXX account after receiving a copy of my credit report, and noticing there is an unauthorized account made by the XXXXXXXX XXXX. To my knowledge, I have not signed any documents authorizing the company in question and The listed inquiry was without authorization. There was also a breach of social security numbers that occured that this account could have stemmed from. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I disputed this information with all three credit bureaus and they continued to be reported. I had to file a report with the FTC, showing I was a victim of data breach and identity theft to help resolve the matter. Please remove account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 disputed the XXXXXXXX XXXX XXXXXXXX account after receiving a copy of my credit report, and noticing there is an unauthorized account made by the XXXX XXXX. To my knowledge, I have not signed any documents authorizing the company in question and The listed inquiry was without authorization. There was also a breach of social security numbers that occured that this account could have stemmed from. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I disputed this information with all three credit bureaus and they continued to be reported. I had to file a report with the FTC, showing I was a victim of data breach and identity theft to help resolve the matter. Please remove account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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 disputed the XXXXXXXX XXXX XXXXXXXX account after receiving a copy of my credit report, and noticing there is an unauthorized account made by the XXXXXXXX XXXX. To my knowledge, I have not signed any documents authorizing the company in question and The listed inquiry was without authorization. There was also a breach of social security numbers that occured that this account could have stemmed from. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I disputed this information with all three credit bureaus and they continued to be reported. I had to file a report with the FTC, showing I was a victim of data breach and identity theft to help resolve the matter. Please remove account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
XXXXAccount number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXXXXXX XXXX XXXX XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
The procedure was not for me. Birthdate incorrect, Middle name incorrect, insurance incorrect. It is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not reporting my real credit score correctly from what the other credit companies are reporting. 

The company XXXX XXXX is reporting that Equifax is reporting with them that my credit score is XXXX. 
But Equifax is reporting on their website that my credit score is XXXX. 

Equifax continue to damage my credit history and score causing me hardship from getting loans, credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like to request Monetary Relief via CFPB due to account listed below was deleted from my Experian Credit Report and then ILLEGALLY REINSERTED after it was deleted on XX/XX/XXXX. I received no 5 day notice as required under the FCRA. 

Account : XXXX XXXX XXXX XXXX XXXX According to Experian Report # XXXX Date Generated XX/XX/XXXX this account was deleted. ( See Screenshot Attached ) However, it is reporting on my Experian credit report today XX/XX/XXXX. 
This account has been illlegally REINSERTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 need your assistance regarding this incorrect account listed on my credit report. This issue has harmed my reputation, and I require your help. Your mishandling of my credit report has deeply affected me, and because of your inaccurate reporting, my reputation has suffered. These inaccuracies need to be corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had a balance transfer previously and the date for the promotional APR ending was approaching so I called Bank of America on XX/XX/year> to confirm when is the last date of the promotional APR ending so I could pay off the balance. The representative said it would be XX/XX/year>. I usually ask the bank to ensure that my dates are correct and pay off on time. However, when I went to pay off the debt on XX/XX/year>, I noted an interest charge of {$140.00} on XX/XX/year> and {$140.00} on XX/XX/year>. So I called Bank of America representative again to clarify the charges. He said the last day to pay off was XX/XX/year>. I told him that he could look up the previous phone records where I talked to one of the representatives and they gave me a date of XX/XX/year> for pay. The representative replied brashly that it was his mistake and we apologize for that but I will have to pay the interest. Anyway, I paid off the whole amount and called back again a few days later and requested that interest charges be waived off as I was led by one of your representatives who told me that the last day of payment is XX/XX/year>. They refused to waive the interest charges. In XX/XX/year>, they added interest charge on XX/XX/year> of {$2.00} and {$0.00}, in addition to a late fee of {$29.00} on XX/XX/year>. Even though the last rep said they will waive off late fee charge.

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 2024-08-17 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: GA

Complaint narrative:
I need your assistance regarding this incorrect account listed on my credit report. This issue has harmed my reputation, and I require your help. Your mishandling of my credit report has deeply affected me, and because of your inaccurate reporting, my reputation has suffered. These inaccuracies need to be corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief