vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: MD

Complaint narrative:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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:
I'm an authorized signer on two XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.

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 2023-09-16 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:
I'm an authorized signer on two XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NY

Complaint narrative:
I'm an authorized signer on XXXX XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.

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 2023-09-16 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: TX

Complaint narrative:
HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to

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 2023-09-16 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: NE

Complaint narrative:
I took out a small personal loan at our local bank to last XXXX. We paid the loan off on XX/XX/XXXX  & I have a letter from the bank stating as such. Equifax changed their reporting to reflect as such, only to change it back 2 days later. I filed a dispute on the matter with Equifax. When the issue wasnt resolved, I called them. I was told the bank was reporting a current balance as of XX/XX/. I filed another dispute & called the bank. The bank has acknowledged the loan has been paid in full & the account closed. On their system they show the correct info being reported to Equifax. I spoke to the individual at the bank who handles the reporting to the bureaus on XX/XX/XXXX  & she informed me she would resend the updated info to Equifax. This morning XX/XX/XXXX  I get info from Equifax regarding the disputethey are still showing a balance on the account as of XX/XX/. XXXX has the info correct. Not sure why this is so difficult for Equifax to figure out & correct. They told me to contact the bank, I did. The bank contacted them & they still do NOT have it correct. It should NOT be this difficult to get a company to admit an error on their part!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I tried to login into the Chase bank ( chase.com ) mobile app to pay bills and check on my funds. My login screen was covered with XXXX agreements which I need to sign on. No access to my accounts. These XXXX agreements on which my use of the account was conditioned, were of XXXX total pages in total! They are attached. 

I called the company on the same day, as expected, they explained to me that they can't do much about it. The person on the phone also suggested that probably not all the stuff in the agreement was applicable to me, advised my to skim through and concentrate on what's relevant. 

Blocking an account which is in a clean state for the reason to sign a volume of documents is completely unacceptable. On further reading, there are clauses in the account which the customer can opt out if the customer decides to do so. The opt out is not via a check box ( yet the signing of the agreement is ), it's via a separate letter that needs to be sent to the company. This is obviously done with the purpose to mislead, and to sneak in changes which they can not enforce customers to accept. 

As a general rule, if they are willing to accept electronic signature, or checking a check box to accept an agreement, they must provide the SAME LEVEL OF INTERFACE for the opt-out clauses. In this case, they should have had a check box for each opt-out clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX no support from Bank of America credit card. 

My return was not possibly although the company, the owner and sales rep said they would take it back. The problems, the items do not match the contract. When calling they say they will arrange pick up. Then they would update the policy on their site. See below : I paid to have each item assembled and the trash taken away. {$2600.00} in assembly alone. Their assemblers ran into my garage door causing an additional {$1800.00} in damage. I can not return a marble dining table at my expense that they assembled. There is no way to determine the product is incorrect without assembly. There is now way to determine a table is matte not gloss without assembly. There is no way to see the product is poly urethane not leather without assembly. The owners are complete fraud. They even added pictures of my custom made product to their site and had multiple ratings of XXXX out of XXXX when I hadnt even received the XXXX of a kind product. XXXX would not return calls and make promises they never followed up on. I spent XXXX on polyurethane not leather, received incorrect product and bank of America, my bank for 22 years offered no support for the 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 monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
When making a payment I was told that I could set up arrangements after wards once I paid they said arrangements didnt exist theres was lack in communication they would only call doing my work hours I had precession of my phone never received letter of reprocession car gone is in there custody and still telling different charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: LA

Complaint narrative:
On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten into the hands of the wrong person.

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 2023-09-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Accounts were opened with XXXX, XXXX and XXXX & XXXX using my personal data. I have reported fraudulent activities to all three carriers as well as reports about my services being unusable do to hacked websites from all three carriers. XXXX has denied me services and device credit opportunities and their customer support number as well XXXX XXXX  support number always sent me to the same person i believe my number was relayed to fraudsters or imposters. On several occasions i reported the problems with their service and internet and nothing was ever resolved. XXXX has charged me for services that i was unable to use because of a device that was returned and their failure to exchange it for another one, even though i retuned the device within the XXXX day time period. I was denied device payment options upon the return of the other device. These companies have been buying and selling my personal data for years without my authorization and i have not been compensated for the harm that was caused from their unauthorized use of my sensitive data.

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 2023-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm an authorized signer on XXXX Capital One credit cards. Both myself and the primary card holder have requested Capital One remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. Capital One has refused to assist, even though we were told by Capital One 's security team this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: PA

Complaint narrative:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help 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 non-monetary relief
Consumer complaint received 2023-09-16 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: PA

Complaint narrative:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: PA

Complaint narrative:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help 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 non-monetary relief
Consumer complaint received 2023-09-16 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance to the FCRA. I would like this unauthorized inquire removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2023 {$38.00} failed to buy XXXX gift card with Amex gift card and money disappeared. This card was declined everywhere, waste of my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

Company response to consumer: Closed with explanation