vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: SC

Complaint narrative:
I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Dates : XX/XX/XXXX ( XXXX inquiries )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: SC

Complaint narrative:
I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries )

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 2024-10-30 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is my second attempt to dispute this account. Per credit report dating XX/XX/year> the account # XXXX was removed and recognized as a fraudulent account. After reviewing my most recent consumer report on today XX/XX/year>, I noticed the account reappeared back on my consumer report. 
I am a victim of identity fraud and have filed an identity theft claim through the Federal Trade Commission. I have also filed a police report through my local sheriffs office to report the nature of the theft. My chase account was compromised when my vehicle was broken into and my personal items such as my cell phone and wallet were stolen. I immediately contacted my banking institutions to cancel all of my current credit and debit cards that could've been compromised. 
I have had several dialogues between the creditor J.P Morgan Chase Bank in reference to this account and they have the account under investigation and are working diligently with the local police to resolve this matter by identifying the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hi my vehicle was repossessed, I spoke with an representative on Friday XX/XX/XXXX made payment arrangements & my vehicle was picked up on Tuesday XX/XX/XXXX XXXX after he assured me that XXXX be fine to make the payment on XXXX XXXX rep never mentioned that I was in XXXX status, yet they been taking my payments! 
I was treated very unfairly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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:
To my surprise and frustration, inaccurate accounts appeared on my credit report today without any warning. I checked it like usual, but this time, discrepancies were there for no apparent reason. I even refreshed my browser to see if it might be a glitch, but they didnt go away. I would appreciate it if my documents could be thoroughly reviewed so I never have to face this worry again.

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 2024-10-30 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: TX

Complaint narrative:
This company is reporting fraudulent inaccurate info on my credit report. I have requested proof of the purchase agreement to show full ownership of such acct and other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MI

Complaint narrative:
XXXX and Equifax, Subject : Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute several unauthorized inquiries appearing on my credit report. I am a victim of identity theft, as documented in the attached FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ). I request the immediate investigation and removal of the fraudulent inquiries detailed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate info on my credit report. I have requested proof of the purchase agreement to show full ownership of such acct and other documents so I may review to see if this is actually an account that belongs to 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 2024-10-30 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-30 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Payments were made on time. Bank claims that they are not. They were returned due to insufficient fund and closed my credit card and damage my credit. Payment where taken out of my account, have proof and showed it to them via email. Ive called and get hung up or Im told there no manager available

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT I HAVE NEVER BENEFITED FROM. I HAVE SENT SEVERAL DISPUTES TO EACH CREDIT BUREAU, AND WILL BE REQUESTING A FRAUD PACKET FROM XXXX SPECIFICALLY. I NEED THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORTS IMMEDIATELTY, FOR I AM A CURRENT STUDENT WHO IS FINANCIALLY BEING IMPACTED. I WAS ALSO PART OF THE XXXX  EQUIFAX DATA BREACH, AND HAD SOMEONE USE MY INFORMATION UNKNOWINGLY TO OPEN THE XXXX CARD. PLEASE REMOVE THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Dear CFPB Team, I am writing to formally dispute an issue regarding my credit report and payments related to my cell phone service provider. My company switched my cell phone service from XXXX to XXXX in XX/XX/XXXX. As part of this transition, I continued to pay XXXX for services rendered in XXXX and XX/XX/XXXX, even though my company also began paying XXXX in XXXX. 

Unfortunately, I lost access to my XXXX account during this transfer, which has complicated my situation further. To date, XXXX has not refunded the additional payments I made to them in XX/XX/XXXX. 

In XX/XX/XXXX, I received an alert indicating that I had an account in collections by Diversified ADJ SVC for {$190.00}. This was surprising to me as I have a 100 % pay history. I attempted to investigate this issue by reaching out to the XXXX major credit bureausXXXX, XXXX, and XXXX. While XXXX removed the negative report from my credit file, both XXXX and XXXX have not taken similar action. 

I am requesting your assistance in resolving this matter. I believe that my credit report should accurately reflect my payment history and the transition from XXXX to XXXX. I would appreciate your guidance on how to proceed and ensure that this issue is rectified. 

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

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX. They ran a credit check & today I found out there were XXXX hard inquiries made on same day. XXXXXXXX XXXX XXXX XXXX who issued loan. 
Called & spoke with the new XXXX XXXX, XXXX XXXX who said he'd look into this but that a hard inquiry only negatively affects people when you don't make the purchase. I want the 2nd inquiry to be removed & Equifax w

ill not until Dealership removes it. I did not give permission for my credit score to be run twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
My complain is that a Original contract or Validation letter can not be provided to me from the company DIVERSIFIED ADJUSTMENT I dont have a validation letter and Im not liable for the debt that is In regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: UPGRADE, INC.
State: TX

Complaint narrative:
These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit reports, which are damaging my credit and were not initiated by me.

I made multiple attempts & disputes. My next action is litigation against each company and credit reporting agency for allowing this to be reported for so long after multiple complaints of fraud.

This has severely affected my life. Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud.

Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

Please See Attached Notarized & Non Notarized Files. ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Alsomultiple laws are violating multiple laws & my rights : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-30 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: MA

Complaint narrative:
American Express refuses to honor a promotion that I signed up for with a value of XXXX points ( approximately {$200.00} ). The promotion was emailed to me on XX/XX/XXXX and was also advertised in the Amex mobile app. I satisfied all conditions of the offer and have not received the bonus. After contacting them several times, they refuse to award me the points. 

The offer : Add Additional Platinum Card Members through this email by XX/XX/XXXX and earn XXXX Membership Rewards Points after the first Additional Platinum Card Member spends {$2000.00} on eligible purchases on their Card in their first 6 months of Card Membership. 
Add an Additional Platinum Card or a XXXX XXXX XXXX for someone you care about by clicking the link below.

Company response to consumer: Closed with explanation