vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX  account- {$840.00} closed, and XXXX student loan accounts opened at XXXX XXXX FEDERAL/Missouri Higher Education Loan, under XXXX account XXXX XXXX private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its incredibly frustrating to see accounts in pending litigation still showing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done. These inaccuracies are harming my credit and creating unnecessary stress

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit bureaus have been reporting several names on my credit report and as for my fcr it's one name one social address date of birth etc but please remove inaccurate name spelling and report my correct name as I was born as

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 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He use our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
XXXX was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to XXXX XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me., terminate these criminals using my name and my husband 's name for these mortgages, car loans, credit cards. 
XXXX also said that my partner, my boyfriend, applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!

Company response to consumer: Closed with explanation
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: Avant Holding Company, Inc.
State: IN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account XXXX XXXXXXXX we XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Duke Capital, LLC
State: OH

Complaint narrative:
Last year And I account was Open with my information using somebody else 's number today I went to give for an apartment to get a credit check done And I had no Idea that there was money in collections almost {$3000.00} it was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a returned payment of XXXX XXXX XXXX XXXX 
The payment was actually made on XX/XX/XXXX. 
Based on this, I have been charged Returned Payment Fee of XXXX which is valid. 
There is one another charge named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged looks totally invalid and baseless, and I tried to dispute the same which American Express refused. 
Further, despite paying off the complete balance on XX/XX/XXXX, as well as Paying off the XXXX balance in full on XX/XX/XXXX, an interest charge of {$10.00} has been charged to the card on XX/XX/XXXX, which again is not valid, since the payment has already been made in full on XX/XX/XXXX and XX/XX/XXXX 1st

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
Bank XXXX 's policies and procedures for verifying the caller as the card account holder are not up to industry standards. As long as the caller is calling them from the telephone number on file, and the caller provides them the XXXX account number, then they will proceed with sharing specific account details to the caller. There is no XXXX process, there is no additional verification questions that Bank XXXX XXXX XXXX to add friction and ensure they're speaking to the rightful account holder. 

They do have an optional " fraud '' status you can ask for your account to be put under, however, it only lasts for 60 days. At which time, they have confirmed that that extra-verification automatically falls off. The account holder would need to call them every 60 days to ask for those extra protections to be put back on. There is no way for an account holder to request permanent additional protections. 

With the amount of Account Takeover XXXX cases and identity theft stories increasing on a daily basis, Bank XXXX is too lax on their security measures, and people should be wary of their lack of protections.

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 2024-12-30 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: MO

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX, 2024 {$9000.00} XXXX Reported : XXXX XXXX, 2024 {$23000.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$2000.00} XXXX CARD Reported : XXXX XXXX, 2024 {$2500.00} XXXX  XXXX Reported : XXXX XXXX, 2024 {$6000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$550.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$72.00} XXXX XXXX Reported : XXXX XXXX, 2024 {$120.00} FAIR COLLECTIONS AND OUTSOURCI Reported : XXXX XXXX, 2024 {$3500.00}

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 2024-12-30 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Hard Inquiry Dispute Dear XXXX, Equifax, and XXXX XXXX Reporting Team XXXX XXXX XXXX XXXX to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX BANK XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX Credit XXXX Bank XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under XXXX U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the 30-day time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Hard Inquiry Dispute Dear XXXX, XXXX, and Experian Credit Reporting Team XXXX XXXX XXXX XXXX to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX BANK XXXX Date : XX/XX/XXXX XXXX. XXXX FCU - Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Bank XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the XXXX time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
They put freeze on my account with over {$3000.00} in it because I reported fraudulent charges and there still investigating, this has been going for 2 months and I need to access my funds.

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 2024-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft report 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX idenrtity theft reprt attached

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