vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: NC

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 explanation
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and credit inquiries from my credit report. I have been a victim of a data breach that compromised my personal information, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. Bankruptcy - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and credit inquiries from my credit report. I have been a victim of a data breach that compromised my personal information, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. Bankruptcy - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I was making a transfer from Venmo to my checkings bank account. I have {$4900.00} US dollars in my Venmo Account that I was transferring to my bank so I can pay my bills. Venmo had declined the transfer and locked my account with the money in it and will not answer to emails in over 3 days. This money was supposed to pay for my monthly bills, now I am going to be either overdrafted, charged interest, or fined because they are holding my money hostage on their app. I rarely use this app and have all my personal information and documents ( such as proof of identification ) uploaded so they don't suspect any suspicious activity. There is no reason why they should suspend my account with this much funds in it. I've only received an email stating that in order to lift the suspension on my account, I must reset my password. I did this immediately, but my account is still suspended, and still no replies from their support team. I desperately need my money back and I'm worried I will fall behind on my payments if I don't get it within the next 24 hours. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Scott Fetzer Financial Group Inc.
State: MA

Complaint narrative:
United consumer financial service says I own them for a loan I never known about I believe it was my wife that passed or my step daughter who would spend over XXXX for a vacuum cleaner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im new with this credit thing I dont know how it really works so I dont try doing anything but yesterday my girlfriend wanted to see if I had credit because I never talk about it so she pretended to get on my app and told me that I have have over 15 inquiries in didnt know what that was but she explained and after she explained she found a address on my account and it is my ex-girlfriend address and her number is on there so I tried calling Experian the number kep going to voicemail I just wanted to let them know that none of those enquirers came from me and I wanted to tell them that I was trying to lock my account but for some reason I keep getting a email saying that I unlocked it when I wasnt on it

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 2024-11-02 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MI

Complaint narrative:
15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX 2 business credit cards, XXXX XXXX XXXX Please reopen to resolve the disputes. I called Chase regarding disputes and frauds on two credit card charges : XXXX  with a charge of {$12000.00} dollars on {$8.00} XXXX XXXX, and anotherXXXX, with a charge of XXXX dollars on XXXX XXXX XXXX Despite multiple calls, Chase assured me they would resolve these issues related to XXXX XXXX and advised me not to make payments until the matter was settled. 

I waited for updates from Chase Dispute, expecting a call, email, or text message, as they had indicated, but I did not receive any communication. Now, I am facing late fees, and my disputes have been closed without any notice, even though Chase previously stated they would inform me. 

This experience goes against fair credit card practices, especially given Chases promotional promises. Their approach seems to involve high-interest rates while failing to address valid disputes. I request an immediate review of my case and the removal of all late fees due to this oversight. 
They did not explain the details list and made errors to charge. I emailed and phone called them to canceled after they made errors to make me stressful. Please clarify and resolve these disputes. I am confused as to these disputes ere closed without any notice to me. I assumed the dispute for credit cards number ending in XXXX and XXXX were resolved, as the card has been declined and unusable. I did not receive any credit card statements by mail. Yesterday, XXXXXXXX XXXX XXXX a representative from Chase Dispute Department advised me to go to a Chase Branch to reopen my dispute. I visited the Chase Branch, but the staff there questioned why I had been directed to do so, as it seemed like misinformation. Please address this matter as it's important for accurate guidance to be provided to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like this item Immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance Credit Reporting Act, Public law 91-506 with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: MI

Complaint narrative:
15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02 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: MI

Complaint narrative:
XXXX5 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion 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 consist of personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX And another personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX An auto loan account opened at XXXX XXXX  opened on XX/XX/XXXX Another auto loan opened at XXXX XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent Charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the Charged off accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Charge offs or collections 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 Charge Offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and # 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 2024-11-02 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: SC

Complaint narrative:
I DO NOT RECOGNIZE THE ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX  XXXX XXXX. Apt XXXX XXXX, SC, 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 2024-11-02 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 am writing to formally request the removal of an unauthorized account from my credit report due to a recent data breach that compromised my personal information. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account blocked and deleted from my credit report. 
Unauthorized Account 1. XXXX XXXX  - Account # XXXX - Opened : XX/XX/year> - Balance : {$0.00}

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 2024-11-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-11-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This debt collector company which is both legally bonded to collect from me in my state has been harassing and threatening to extort money from me trying to ruin my life with reporting illegal information to the credit bureaus. XXXX XXXX appeared on credit report using two different names stating I owe them {$480.00} once this collection company appeared on my credit profile it damaged my credit score by almost XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief