vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-31 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: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX XXXXXXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX  failure to provide me with the necessary tax form by invalid negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
This happened back in XX/XX/year>, when PayPal for some reason decided to use one of my debit card that I do not have money put in and charge one of my XXXX purchase instead of using my new credit card that I put in and selected. Now, I figured out later that PayPal has an option to change what card you can use on XXXX but the application on XXXX did not let you change as of right now on XX/XX/year>. Now, I did not realize it would be charged to my debit card, until 2 days later when I got a notification on XXXX that my credit score has been dropped by XXXX points, to which I noticed my PayPal sent me a message saying they could not use my card to charge, and multiple charge point has been attempted. My two questions are, how does a company this big does not allow you to switch to a different card or automatically charge to another card, and for your information, was caught in the XXXX cashback scamming, which not only steals personal datas, but also misuse funds from creators to steal their commissions. Number two, why can I not change my payment option if my current one was declined? It is not difficult to do it, and there's zero security reason I can not change my card. Not to mention, PayPal randomly decided to ban my account for " suspicious financial activity '' on my account when I have an XXXX credit card, my checking account, and my debit card. I am expressing my frustration and hope the CFPB can help resolving my issue along with contacting the right department to get an investigation against the developers at PayPal who thought an app that would not let you change the payment, only on the website would be a good idea to ship out to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
To whom it may concern, The late payment was issued in XXXX and was expected to be removed in XXXX. However, the credit bureau and the credit card company ( XXXX XXXX XXXXXXXX ) do not have an accurate removal date and did not furnish one after many requests.

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 2024-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian refuses to correct the fraudulent information on my credit file. There are to many variations of my name on my credit file. I absolutely know my name, whom has been try to steal my identity may not. My legal name is XXXX XXXX XXXX XXXX, not what Experian has listed.

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 2024-12-31 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: GA

Complaint narrative:
The credit bureaus XXXX & Experian & XXXX is reporting in correct information on my credit report I've disputed this information but it has not been corrected the account # XXXX it's been reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this information is incorrect I paid this account off with XXXX XXXX in full yet it is being reported as a charge off the amount of the balance is showing two different amounts the creditor involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX both are reporting for the same account I have previous disputed these two companies on XXXX XXXX and Experian credit bureau But they failed to update my report I have contacted the XXXX XXXX  & the creditors and they confirmed the information is incorrect yet it's not updated this should be removed from my credit the incorrect information has caused my credit to drop significantly permitting me from obtaining a mortgage car loan the delay is correcting this area is causing financial harm

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 2024-12-31 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: DE

Complaint narrative:
As per the guidance from the Consumer Protection Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed information be blocked and deleted. Please delete the following information : XXXX. XXXX XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, DE, 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 2024-12-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-31 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: GA

Complaint narrative:
I am writing to dispute and formally report unauthorized activity on my credit profile. I recently discovered that my credit report reflects several inquiries and activities I did not authorize. After reviewing my credit report in detail, I believe my credit profile may have been used fraudulently. 

These inquiries include attempts to run my credit on multiple occasions, none of which were initiated or authorized by me. This unauthorized activity has raised significant concerns, and I would like to take immediate steps to resolve this issue and protect my creditworthiness. 

To address this issue, I have made efforts to contact the companies responsible for the inquiries, as well as the credit reporting agencies. Despite my attempts, I have not received the written explanation I requested regarding these unauthorized activities. This lack of response has further complicated the situation and heightened my concern. 

To support my claim, I have included copies of my recent credit report highlighting the unauthorized inquiries in question. I request that you : 1. Remove the unauthorized inquiries and any related inaccuracies from my credit report. 
2. Investigate the origin of these fraudulent activities. 
3. Provide confirmation of the resolution in writing. 

For additional verification, I have enclosed copies of my government-issued ID and proof of address. If further information or documentation is required, please do not hesitate to contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if there are any additional steps I should take to ensure this issue is resolved. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of recent credit report with unauthorized inquiries highlighted - Copy of government-issued ID - Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I attempted to start a savings account with Barclays bank. They emailed me saying they need a front/back copy of drivers license, social security card, and proof of address. That took place on XXXX. it is now XXXX and still nothing has been done. They've also received {$20.00} to open the account and I had to provide my Banking routing and account number in order to do so. I've called and emailed multiple times and they will not respond back or open the account.

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 2024-12-31 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: AR

Complaint narrative:
To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have submitted a police report to the credit bureau and the collection company. Police actually arrested someone using my identity. Neither the credit bureau, collection company ( FAIR COLLECTIONS & OUTSOUR ) and creditor XXXX XXXX have resolved this situation. They can't even produce a contract with my name or credit info.

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 2024-12-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: American Financial Network Inc.
State: CT

Complaint narrative:
Someone did identity theft and fraudulently put an account into my name with XXXXXXXX XXXX XXXXAmerican Financial Network . I need to have all credit reporting and especially all negative falsely reported credit information blocked and eliminated from the credit bureaus. The account number with American Financial Network/XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This happened back in XX/XX/year>, when XXXX for some reason decided to use one of my debit card that I do not have money put in and charge one of my XXXX purchase instead of using my new credit card that I put in and selected. Now, I figured out later that XXXX has an option to change what card you can use on XXXX but the application on XXXX did not let you change as of right now on XX/XX/year>. Now, I did not realize it would be charged to my debit card, until 2 days later when I got a notification on Experian that my credit score has been dropped by XXXX points, to which I noticed my XXXX sent me a message saying they could not use my card to charge, and multiple charge point has been attempted. My two questions are, how does a company this big does not allow you to switch to a different card or automatically charge to another card, and for your information, was caught in the XXXX cashback scamming, which not only steals personal datas, but also misuse funds from creators to steal their commissions. Number two, why can I not change my payment option if my current one was declined? It is not difficult to do it, and there's zero security reason I can not change my card. Not to mention, XXXX randomly decided to ban my account for " suspicious financial activity '' on my account when I have an XXXX credit card, my checking account, and my debit card. I am expressing my frustration and hope the CFPB can help resolving my issue along with contacting the right department to get an investigation against the developers at XXXX who thought an app that would not let you change the payment, only on the website would be a good idea to ship out to consumers.

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