vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: AZ

Complaint narrative:
Inaccuracies INQUIRIES that needs to be Removed and deleted. 

Also personal information incorrect address needs to be Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
many fraudulant inquires on my personal credit report that do not belong to me nor have i applied for any lines of credit or any loans

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against Equifax for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/2024 Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/2024, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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 was listed in several major data breaches, compromising my personal information and making it susceptible to misuse. These breaches have resulted in the inclusion of numerous incorrect and unverified items on my credit reports, which vary inconsistently across the three major credit bureausXXXX, Experian, and XXXX. After obtaining my free credit reports, I discovered these discrepancies and initiated disputes with the companies reporting the negative items and the credit bureaus directly. 

Despite my efforts, the inaccuracies persist, causing significant harm to my credit standing and personal reputation. Despite my repeated efforts to correct multiple inaccuracies on my credit reports with all three credit bureaus, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

These breaches make any electronic records suspect, as digital signatures and documents could have been compromised or fraudulently created.

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), failure to provide this information invalidates the debt. Moreover, the inclusion of such unverifiable items on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reports be accurate and complete.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I believe I am victim of a bait and switch program by American Express. I am seeking proper mediation to resolve this perpetrated incident. My efforts to communicate an awareness and justify clarity are being ignored with humiliation. 

On XX/XX/year>, I applied to an online credit card offer and was immediately approved to the given specified terms and conditions. This was mentioned in a dispute letter sent to the American Express authority and is being unrecognized. The lack of American Express transparency does not provide information on past or current accounts ( unknowingly what account are active or closed ). 

The presentation of billing statements are inaccurate. On XX/XX/year>, I received my initial billing statement with a balance of XXXX it was in participation to the new approved offer, there was no interest amount applied. This compelled me to utilizing the 0 % spending terms. 

On XX/XX/scrub>XXXX XXXX XXXX the second billing statement arrived with a balance of xxxxx this time there was a decision to apply a XXXX XXXX  interest rate. 

In summary, American Express has mention they have complete control setting all credit card terms and condition at any time. American Express ethical standards could have avoided this harassment by denying my credit card application and in the content of business manners could have disclosed a reason not to honor my request and not immediately approve the welcoming offer. 

Is there any enactment to abolish this type of behavior? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I was contacted by a company claiming to be XXXX, which presented itself as a legitimate employer offering remote work. The job involved completing sets and reviewing albums and singles. I performed the tasks requested and communicated with the alleged representatives of XXXX throughout the process. 

After completing the work, I expected compensation as agreed, but I was never paid. When I reached out to the actual owner of XXXX to address the issue, they informed me that their company was being impersonated and had no involvement in the job offer or the tasks I completed. 

During this process, I was scammed out of a significant amount of moneyapproximately {$13000.00}. These funds were transferred through transactions that I now understand were part of the scam, as the fraudulent individuals convinced me to send money under false pretenses. 

I reported the fraud to my bank, Santander, and provided all the evidence I had, including communication with the scammers, details of the transactions, and proof of the alleged job tasks I completed. Despite this, my claim was denied due to " inconsistencies. '' However, I do not understand what inconsistencies the bank found, as I believe my documentation clearly demonstrates that I was scammed. 

This situation has caused me significant financial hardship, and I am seeking further clarity on why my claim was denied and what additional steps I can take to recover my lost funds. I have also reported this incident to law enforcement and would like assistance in resolving this matter.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: VA

Complaint narrative:
Checkr performed a report for XXXX when I applied for a job as a rideshare driver. 

XXXX relied on information provided by Checkr. 

I can not obtain the report from Checkr. 

Checkr does not have a phone number to contact information to obtain the report. 

I tried obtaining it on their website but can not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the inquirie below : XXXX XXXX - XX/XX/year>

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 2024-12-29 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XX/XX/year> ACCOUNT NUMBER XXXX, XXXX XX/XX/year> ACCOUNTNUMBER XXXX, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX, XXXX XXXX  XXXX NUMBER XXXX. I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL. 
POSIBLE. 

THANK YOU

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 2024-12-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - Charge off XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXXXXXX XXXX  XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request Regarding Jefferson Capital LLC Account Ending in XXXX Dear CFPB Representative, I am writing to formally request your assistance in resolving an issue with Jefferson Capital LLC regarding an account originally associated with XXXX. 

Account Details : Collection Agency : Jefferson Capital LLC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently under dispute, as noted on my credit report : CONSUMER DISPUTES THIS ACCOUNT INFORMATION. Despite my dispute, Jefferson Capital LLC has continued reporting and collecting on this debt without proper validation or sufficient documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : Jefferson Capital LLC must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements.

3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately. 

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Yesterday I filed a complaint against Synchrony Bank regarding a high interest rate that was applied to my account with knowledge of what a deferred interest rate was and requested the interest rate to be removed and resolve the issue immediately by giving me a hardship plan to finish paying the balance. This evening I received a letter with false information stating I filed bankruptcy so they can not offer me anything?!?! I told them if I cant get them to resolve this issue then I would have to file bankruptcy!! Clearly these people dont know how to handle situations and communicate effectively!!

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 2024-12-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request the removal of fraudulent inquiries from my credit report. I have identified these inquiries as a result of identity theft, as detailed in the attached Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$15000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX XX/XX/XXXX 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I went. To XXXX XXXX XXXX  in XXXX the lodge kicked me out saying I was making the employee uncomfortable even though they seem to tell me I was lying about how there was water pile on the dinning floor that caused my neice to slip and fall on her face they did not want to do there job now after that I checked out paid up and the hotel has now double charged me kept my card on file illegal charged me and took my money charged me after I checked out and got kicked out they have now ignored me will not give me my money XXXX XXXX XXXX is doing very illegal practices and should be investigated and the bank is not helping me with the unauthorized charges I need some help please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$4400.00}, XXXX XX/XX/year> XXXX XXXX {$760.00}, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$10000.00}, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$3700.00}. I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND XXXX XXXX. 
POSIBLE. 

THANK YOU

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 2024-12-29 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-12-30 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation