vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

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 2024-12-24 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a Revolving Account account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Revolving Account account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a Revolving Account account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a open Account account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX and a open Account account opened at at XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries, Accounts with Adverse Information and fraudulent collections appearing on my consumer FICO credit report. I've attached 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 # XXXX 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, my Chime account was hacked, and I was scammed out of {$970.00}. I immediately reported this issue to Chime and even provided a police report to support my claim. Despite this, Chime denied my claim and refused to take action to recover my stolen funds. 

Following this, I contacted Chime multiple times to address the situation. They issued two conflicting statements regarding the matter but still failed to resolve it. 

On XX/XX/XXXX, Chime notified me of unauthorized attempts to use my card. I replied that I had not authorized these transactions. However, when I later reviewed my account activity, I noticed multiple unauthorized withdrawals totaling the remaining {$1500.00}. I immediately reported these transactions, but within one day, Chime denied my claims again without conducting a proper investigation. 

I submitted a written statement as requested by Chime. However, before I even received my new card, there was another unauthorized attempt to use it. When I called Chime, they assured me that they would resolve the issue, but as of XX/XX/XXXX, I have received no resolution or reimbursement. 

In total, I have lost {$2500.00} due to a combination of the initial scam and subsequent unauthorized transactions. Chime has failed to adequately investigate or address this matter, leaving me without the funds stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
Dear Equifax Fraud Department, This letter marks my fourth attempt to have the fraudulent XXXX account ( # XXXX ) removed from my credit report. I have provided the necessary documentation, including an FTC Identity Theft Report and a local police report, yet the account remains listed. It is important to note that both XXXX and XXXX have successfully removed this account from their records, highlighting your failure to address this matter appropriately. 
In my previous dispute, I specifically requested that you furnish your complete " verification '' process, including all documents associated with this account, especially any that bear my signature. To date, you have not provided these documents, which raises further concerns about your compliance with the Fair Credit Reporting Act ( FCRA ). 
I am a victim of fraud, and your continued reporting of this account is not only inaccurate but also a violation of several FCRA provisions. Your actions have caused harm to my creditworthiness, resulting in the recent closure of a legitimate account based on the false information you continue to report. 
Additionally, pursuant to FCRA 15 U.S.C. 1681, I did not give Equifax written consent to furnish or obtain my information in relation to this fraudulent account. Your unauthorized actions are a clear violation of my rights under federal law. 
I demand that this account be permanently removed from my credit report upon receipt of this letter. Failure to act promptly will leave me no choice but to seek legal remedies to ensure compliance with the law and to address the harm caused by your negligence. I have also filed complaints against your company with the North Carolina State Attorney Generals Office as well as the Consumer Financial Protection Bureau. 
I expect your immediate attention to this matter and a written confirmation of the accounts removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I have a. XXXX XXXX card account that was closed and paid in full since 2021 after multiple disputes and contacting both Credit report companies and Creditor submitting proof and requesting review neither company admits responsibility and to this day unable to resolve and or correct information. Credit bureaus do not contact creditor ton resolve disputes. Creditor will not contact Credit bureaus to give correct information. This has gone back and forth for years and is affecting my life and credit 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I have a. Military Star card account that was closed and paid in full since 2021 after multiple disputes and contacting both Credit report companies and Creditor submitting proof and requesting review neither company admits responsibility and to this day unable to resolve and or correct information. Credit bureaus do not contact creditor ton resolve disputes. Creditor will not contact Credit bureaus to give correct information. This has gone back and forth for years and is affecting my life and credit 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 2024-12-24 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a Revolving Account account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Revolving Account account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a Revolving Account account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a open Account account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX and a open Account account opened at at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries, Accounts with Adverse Information and fraudulent collections appearing on my consumer FICO credit report. I've attached 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 # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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:
As a victim of identity theft due to the following data breaches below ; XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), XXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX have compromised all of my data being shared from Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX2 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and 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 2024-12-24 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
XX/XX/year> I looked at my credit report after trying to repair it with the help of debt financial. We then after 2 month saw that XXXX put for onto my report but this time it wasn't me. I tried to tell them I am XXXX XXXX XXXX and I've been XXXX  XXXX  times now in the last 4 years. I wasn't even at the location XXXX is stating. Then they are saying I have phone services with them and I've never signed up for that. After I've filled out FCC, identitytheft.gov, FTC, and the XXXX report like Harris & Harris stated I've been waiting for it to be off all XXXX reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 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: FL

Complaint narrative:
As a victim of identity theft due to the following data breaches below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have compromised all of my data being shared from XXXX, XXXX, TransUnion, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and 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 non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
As a victim of identity theft due to the following data breaches below ; XXXX 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 XXXXXXXX XXXX have compromised all of my data being shared from XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: CO

Complaint narrative:
Last XX/XX/2024 I received a text message from a person named XXXX XXXX from FreedomPlus, contact number XXXX, saying I am qualified for a personal loan of XXXX with % XXXX APR. I did grab it. They sent some " small amount '' to my account first and instructed me to send back the money to them with the explanation that this will help me increase my credit score so the credit union will see. I personally saw the cash sent to my account so I belived them. I sent back the money to them thru money cards. But later I got skeptical I said I dont want to proceed with the loan but just want to send back their money with the total of {$1700.00} which I did. But after that, I called my bank the chase to make sure there's no illegal activity happening and they said none or they cant see any. I even changed my password and username. But later last friday XXXX I noticed I have a {$1000.00} overdraft on my chase account. There were XXXX cheques deposited that I did not recognized. I called chase and explained what happened, they said they cant see the amounts that were deposited to my by the said agent so I was paying them from my own money..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
When I checked my credit report today, I was shocked to see incorrect accounts listed, and I have no idea how or why this happened. I refresh my credit report regularly, but these discrepancies appeared without warning. I thought it might be a system error, but refreshing the browser didnt resolve it. Please go over the documents Ive sent carefully so I can stop living in constant fear over this.

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 2024-12-24 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: TX

Complaint narrative:
When reviewing my credit report this morning, I noticed unusual inquiries I didnt authorize. Please investigate and correct this promptly.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have the legal authority as a interested party and I have standing as XXXX 's wife to inquire about the lack of proper endorsement where it concerns his paper check payment for a certified transcript of marriage from the XXXX XXXX. Both XXXX and XXXX XXXX XXXX  are shielding themselves from answering the question. Since Wells Fargo Bank does transactions for the XXXX XXXX ( income tax refunds ) for which check XXXX would have been received if cashed, I would like to know if check XXXX was received and deposited with the XXXX XXXX? XXXX XXXX  provided the check image which clearly shows a prima facie violation of Check 21 act as there is no check endorsement. I am a interested party and I have standing as XXXX 's wife to inquire about the lack of proper endorsement where it concerns his paper check payment for a certified transcript of marriage. Note the marriage transcript was sent eight months after this check was issued. Can Wells Fargo explain what happened with my husbands check?

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 2024-12-24 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: NY

Complaint narrative:
I was transferred to XXXX XXXX  sometime in XXXX of XXXX from XXXX. 
While transfer took some time I kept makilng monthly mortgage payments to XXXX. 
I have all bank Statements reflecting these payments. XXXX XXXX  reports late payments in XXXX, XXXX... XXXX and XX/XX/XXXX. 
Both Mortgage providers claim same mortgage for same property and both of them claim late payments. 
My credit report reflects both - XXXX and XXXX as my mortgage providers for same property. Both mortgages allegedly originated at the same time - XX/XX/XXXX and reflect same mortgage amount...

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