vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} SYNCB/PPC. Opened XX/XX/XXXX. {$2400.00} XXXX  XXXX XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX OPENED XXXX  XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$2800.00} XXXX XXXX. OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXXXXXX XXXX  OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. XXXX XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXX XXXX OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
Subject : Urgent : Request for Immediate Correction of Inaccurate Account Information ACCOUNT XXXX XXXX XXXX XXXX  XXXX Dear Experian, I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. 

Attached is a copy of the legal notice sent to XXXX XXXX  regarding this matter. If Experian does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against Experian for non-compliance with the FCRA. 
reporting inaccurate late payment and missing data Specifically, you are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
Please address this issue promptly to avoid further legal action.

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 2024-09-07 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: GA

Complaint narrative:
Details of the Complaint : I am filing this complaint due to unauthorized inquiries that have appeared on my Equifax credit report. These inquiries were not initiated by me, and I believe they may be the result of the XXXX  Equifax data breach, during which my personal information was compromised. 

Despite contacting Equifax to dispute these entries, they have not been removed, and I have not received a satisfactory resolution. The unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX via Dealer - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Office XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and overall creditworthiness. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report. Equifax is required to conduct a reasonable investigation under 15 U.S.C. 1681i and remove any unverifiable or inaccurate information. I have taken the following steps to address the issue : Submitted a dispute letter to Equifax detailing the unauthorized inquiries.

Filed an identity theft report with the Federal Trade Commission ( FTC ).

Included supporting documentation such as my driver 's license, Social Security card, and utility bill to verify my identity.

Despite my efforts, Equifax has not taken appropriate action to resolve the dispute. I request the CFPB 's assistance in ensuring that Equifax complies with federal law, removes unauthorized inquiries from my credit report, and provides written confirmation of their removal.

Attachments : Personal Statement to the Federal Trade Commission ( FTC ) Affidavit of Events FTC Identity Theft Report Dispute Letter to Equifax Supporting documents : driver 's license, Social Security card, and utility bill Resolution Requested : I would like the unauthorized inquiries to be removed from my credit report immediately. Additionally, I request confirmation from Equifax that the issue has been resolved. If Equifax fails to act, I will pursue further legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: FL

Complaint narrative:
DiscoverCard has denied several legitimate transactions for me, one time leaving me stranded at an airport because I could not get a XXXX home. When the transaction occurs I received a text on my cell phone suspecting fraud and telling me to call in. When I call in I am told I can only validate my identity with a phone number that is with the credit bureau. I changed my phone numbers awhile back due to XXXX XXXX and my current number is not in the credit bureau, nor do I want it to be. Even though Discover is texting me about the fraud to my correct number, they will not use that for my identity and as a result I cant gain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: VA

Complaint narrative:
I went on a satellite dish site to order service from them, I believe the original site had been phished and I gave my social security number and credit card number to start service, i decided not to go with that service, now around a month I keep a check on my credit report and it stated i purchased a XXXX under a new open account which I did not purchase a XXXX and I lost XXXX points on my credit score.,,, the phone number was a number from area code ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased services online from website. Was duped into buying more expensive plan only to learn that it did not give me the services i really needed, told to upgrade a second time. Refused and requested refund. The website never provided these services as advertised. Refund requested multiple times. Management of website did not respond or refund. Many reviews on website stated similar activity. Contacted citibank for purchase protection. Favored other party even though services not provided.

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 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am not liable for this debt with BULL CITY FINANCIAL SOLUTIONS.I do not have a contract with BULL CITY FINANCIAL SOLUTIONS, I am writing in regards to a collection that came up on my credit report on XX/XX/XXXX, XXXX was brought to my attention that this debt involves ********* I am disputing this debt because I have no knowledge of this debt. Nor am I liable for this debt because there is no contract between me and this company. they are in violation of the Fair Credit Reporting Act .Please verify this debt as required by the Fair Debt Collection Practice Act with the following.XXXX ) Proof of my contract to pay the original creditor XXXX ) A copy of the final account statement issued by the original creditor XXXX ) A break down of the total amount due, showing principal, interest, and other charges, and XXXX ) For all charges, the date of and the basis of each charge .XXXX dispute this debt because I do not recognize this debt and do not owe any money to this creditor. 
Collection Agency BULL CITY FINANCIAL SOLUTI Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have one open up to date account with Capital One that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with Capital One that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The company replied and said the problem was fixed on XX/XX/2024. 

THE PROBLEM IS NOT FIXED. 

Today XX/XX/2024 I tried to access my account to make a payment and of course I can not access my account nor can I change my password! 

I have talked with numerous people at Synchrony Bank and NO ONE there can fix the problem. Who ever replied to me is lying or someone lied to them about the problem being fixed. 

If they do not want my business, then maybe they can just forget about anymore payments from 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 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was XXXX XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.

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 2024-09-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was XXXX XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report.

It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.

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 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I provided the companies with affidavits of identity theft, police reports, detective phone numbers and multiple disputes that were all ignored. I requested a detailed description of the companies ' methods of verification, validation of debt, license to collect in the state, I sent a litigation letters all of which have been ignored. I requested a block based on FCRA-605b which was also ignored. The companies will not respond to me at all. I do not owe the collection agencies anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Today, I updated my Fifth Third app. In subsequent logins, my PASSWORD is now an AUTO FILL after I input the first XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. JPMCB XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings. 
XXXX. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist. 
Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law.

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

XXXX DOLP- XXXX XXXX-DOLP-XXXX Trans Union-DOLP-XXXX As stated in the FCRA All information contained in my report must be 100 % correct.

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 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX  {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} 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 explanation