vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts, addresses, and names. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses and inaccurate names. Please remove fraudulent addresses and inaccurate names from my credit report. 
FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$5400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving XXXX  XXXX Balance : {$3400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5500.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX XXXX XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Credit limit XXXX {$1000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
This debt was deleted by XXXX  not owed please delete immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally finance has pronounced my car from XXXX on. And in XXXX  it was repossessed, causing my personal items. Documents loss in lost in the process off the repossess It was sold and and was add to my credit as a charge of.

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 2024-05-16 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

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 2024-05-16 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: AZ

Complaint narrative:
My Identity has been stolen by this company I did not abandon my Security. This information needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
My Identity has been stolen by this company I did not abandon my Security. This information needs to be deleted.

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 2024-05-16 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: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.

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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-16 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: MD

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Applied CapitalOne XXXX card under the advertisement XXXX back after spending XXXX bonus offer Spent the required amount but didnt receive bonus, called in XXXX  CapitalOne depts for assistance but got nowhere Phone Agents said have bonus offer reneged due to capital one claiming I applied for card that did not have the offer attached ( which is false because I only wanted card for sign up bonus offer ) Wasted a credit pull and caused budget problems This is very shady and essentially bait & switch, screwing over long time customer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NC

Complaint narrative:
I am reaching out to report a case of identity theft and fraudulent accounts and hard inquiries that are still appearing on my Equifax credit report, despite my efforts to have them removed. I sent my letter on XX/XX/XXXX and XX/XX/XXXX. However, as of XXXX, XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have contacted the bureaus XXXX  times, but their agents have not provided a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. They have requested that I resend my documents, stating that they are invalid without clear reasons. I have even sent my IDs to them, but they have not acknowledged my request to remove the hard inquiries. 

I have also reached out to the company responsible for the fraudulent inquiries, but they have not taken any action. The fraudulent accounts on my reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I have attached the same XXXX  report that I sent to them, along with my IDs and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
Flagstar Bank puts through request for payments XXXX  days after the request is input online. When XXXX bank then receives the they deny the payment due to lack of funds even though the funds are in the account. The funds are in XXXX  my XXXX  and XXXX  with their feature that allows me to pull funds from my savings into my checking when I am lacking funds. None the less XXXX refuses the payment even with the funds being available and in my account. The issue lies in the fact that Flagstar Bank will not accept ANY payment method other than ones that are literally impossible for anyone in the younger generation. They are requiring me to go to my bank and get cashiers checks/money orders to send them funds and are refusing to accept wire transfers etc. The issue with this is that many modern banks no longer have locations. So essentially they are forcing me to default on my loan because they are refusing to accept payment. I have the funds and the ability to pay, I even changed banks to ensure that this did not continue happening, and they are refusing to accept any payment method available to me. Now I have to take time off work and either spend my entire day finding a bank that will give a cashiers check to someone who is not a customer, or drive to a different state and pay XXXX XXXX of my payment for a wire transfer to the Flagstar from the XXXX and only bank that they do accept wire transfers from. All in all, this is a scam and they are financially abusing their customers.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I contacted American Express to discuss a balance transfer. I was informed that the account I have does not qualify to transfer from particular bank institutions, and only XXXX qualified, not the whole XXXX I was approved for. The terms were unclear and did not state this information when I initially applied. I asked the agent for more information where it stated this information, and he could not find anything and stated he would escalate for someone to call me back. I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MD

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After Been Released From XXXX  For XXXX  Time In XXXX  Months ; My Sister Ran My Credit Report And Found Fraudulent Activity From An Address Of An House I Sold XXXX  Years Ago.. On XX/XX/XXXX I Signed And Filed A Complaint With The XXXX  XXXX XXXX  XXXX XXXX XXXX ) That Those Are Fraudulent And Not Mine.. 

I Never Had A Credit Card Of Those Types & Names Before Nor Have I Applied For A Credit Card In XXXX  Years... I Sent A Copy Of My Drivers License, XXXX Credit Card Receipts And Gas Bill That Proves I Don't Even Stay In The State That's Is My Address. 

Please Also Remove Fraud Alerts From My Profile Also, I Never Asked Or Requested Especially When I Request False Information Replace With Accurate Information..

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 2024-05-16 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to XXXX  for each incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I was pulling my credit report because I am in the process of buying a house and noticed collections on my account that were not mine. Caine and Weiner company says that I owe {$210.00} for a XXXX XXXX. I am currently still with XXXX XXXX and everything is up to date. This is not me and I would like this collection removed from all credit reposts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: OH

Complaint narrative:
XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2024-05-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain creditXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief