vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone applied for a loan Thur these people Im not sure how and they have been sending me information about this account that Im not aware of about making a payment in order to get more money.i domt apply for loans I have never applied for a loan.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone applied for a loan Thur these people Im not sure how and they have been sending me information about this account that Im not aware of about making a payment in order to get more money.i domt apply for loans I have never applied for a loan.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone applied for a loan Thur these people Im not sure how and they have been sending me information about this account that Im not aware of about making a payment in order to get more money.i domt apply for loans I have never applied for a loan.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently checked, my credit report and noticed inaccurate unauthorize Inquires. This Agency is violating my Consumers rights by false misleading information, misrepresentation, and deceptive means. I've made serval previous attempts to fix these issues directly with them and there violating my rights and I am entitled to {$1000.00} for every violations I listed, they either pay me or delete these negative accounts ASAP.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My recent credit report shows several accounts that appear to have been added without my consent and are incorrect. Please block and remove these fraudulent accounts from my report immediately.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested.

The inaccuracies are highly injurious to my credit score DISC
OVER BANK ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law

91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. DISCOVER failed to in
vestigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has been calling me everyday for the last year on a time barred debt that is approximately XXXX years old. I also was made aware of a voice mail left on my ex wife 's machine and we divorced over XXXX  years ago. On XX/XX/year> I sent them a certified letter asking them to stop communicating with me and/or 3rd parties. According to tracking number XXXX, they had the letter in their possession on XX/XX/year>. They called again today and I do not want to communicate with them any further. They have my address so if they need to tell me what will happen next then they can mail it by 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with TransUnion and XXXX XXXX. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, TransUnion, XXXX and XXXX continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the XXXX  credit reporting agency , and XXXX XXXX ( XXXX XXXX  ), block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is 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 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with XXXX and Apple Card. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, XXXX, XXXX and Apple continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , the XXXX credit reporting agency , and Apple Card ( XXXX XXXX  ), block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Hello. I had a medical bill sent to me about XXXX years after service. 
I'm not paying so they sent me to collections. Which in turn hurt my credit score. Fine! XXXX. 
Now they sold my debt again and sent me to collections for the same bill TWICE! So now I have 2 hits on my credit score by 2 different collection companies for the same bill/amount. This can't be right.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-31 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 like to request the removal of this unlawful hard credit inquiry from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiry. This is a list of the unauthorized inquiry. 
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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.

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 2024-10-31 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: NC

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section XXXX, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2024-10-31 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: NC

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXm positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.

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 a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Date : XXXX XXXX, 2024 Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to dispute the accuracy of information reported to XXXX XXXX XXXX XXXX XXXX concerning multiple closed accounts associated with JP Morgan Chase. This information has been disclosed without my explicit consent, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 
Legal Basis for Dispute and Privacy Violation Claims Under 15 U.S.C. 1681, I am entitled to both accurate and verified information reporting as well as control over the disclosure of my financial information. Additionally, I am protected against unauthorized sharing of my personal data without explicit consent, as per Section 604 ( a ) ( 2 ), which limits the sharing of personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime Banking is offering a referral service if you refer a friend or family using a link that you send them. Each person get monetary value deposit into there account. After, the person has completed a {$200.00} deposit. However, I can and spoke with a Chime Representative and they explained that each would only a {$100.00} instead myself who referred was supposed to get {$170.00}. So, today XXXX XXXX, I called again to see about my bonus, the Representative that I spoke with today was rude and voice was unclear, I asked to speak with a supervisor and they were horrible. Now, the thing is they are saying that the deposit should have been made in 45 days, what? They asking you to send this link for bonus money, and they never give you the money. They found a cause to get out of it. Unethical practices. I'm asking for my bonus payment.

Company response to consumer: Closed with explanation