vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I XXXX XXXX XXXX, XXXX # XXXX. XXXX # 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 and XXXX credit reporting agencies, block information on my consumer credit 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 1 inquiry ( JPMCB CARD SERVICES ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: First Advantage LNS Inc.
State: DC

Complaint narrative:
I XXXX XXXX XXXX, XXXX # XXXX. XXXX # 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 and XXXX credit reporting agencies, block information on my consumer credit 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 1 inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( NATIONAL CREDIT AUDIT CO ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX, providing them with the following complaint reference numbers : XXXX for XXXX XXXX XXXX XXXX XXXX for TransUnion, XXXX for XXXX, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.

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 2024-05-30 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:
I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with XXXX XXXX XXXX, XXXX, Equifax, and XXXX, providing them with the following complaint reference numbers : XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am writing to you regarding a matter of utmost importance concerning an identity theft incident that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with Florida state laws and FCRA During the mentioned period, I was XXXX overseas and did not have access to my account or my personal devices due to the nature of my service. Furthermore, I was made aware that my identity was compromised through a SIM swap scam and email take over, which allowed unauthorized individuals to gain access to my accounts and personal information. 


XXXX account # XXXX date open XX/XX/year> It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with XXXX/OPPLNS is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with FNWSE/OPPLNS or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
{$140.00} was taken out my XXXX account which we shared together bank of america say i owe money and they was Recovering it, but Im not the owner of the account. My son is why you didnt send a notice telling My Son that you were going to take the money that was a illegal transaction. You did not have my consent. My account had nothing to do with my son account, we Share a joint account he added me onto his account. If you wouldve sent me a notice saying I owe something seven years ago, I would have paid and made payment plans. They put us in the bad state by taking his money I wrote a form a complaint later, demanding that the refunds be returned and My Son closed out the account because no one asked him. Whether or not it is permissible for them to withdraw any funds from his account would depend on the specific terms and conditions set forth in any agreements or powers of attorney that may be in place. Additionally, legal regulations and restrictions may also come into play. It is recommended that they consult with legal counsel or a financial advisor to understand the options and implications fully.XXXX the account written as XXXX XXXX XXXX and 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 2024-05-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties.

2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report.

3. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by XXXX to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
Received Amex XXXX XXXX  as a XXXX Tried to use it at a restaurant and it was declined. Called Amex to find out why. They said funds were escheated by the state and I would have to contact them. No info about what state to call or a phone number or why this happened. The card doesn't expire until XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> I am getting my Credit Denied it is very embarrassing due to my personal statement XXXX XXXX alert on Credit file.XXXX  has remove the XXXX XXXX fraud alert but XXXX XXXX XXXX and equifax has not its getting embarrassed getting denied and dont know why Im getting denied if cfpb has a fraud alert please remove it i see under a statement is say action may required under cfpb before opening my phone number is also Placed on alert, no news was sent my way, No email or text reached out to say, Instant denial, now a 30-day wait, Before I can reapply, must accept this fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
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 non-monetary relief
Consumer complaint received 2024-05-30 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:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : inquiry name : # XXXX, inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, inquiry name : # XXXX, inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX, Inquiring Date : XX/XX/XXXX Inquiry Name : # XXXX XXXX XXXX inquiring XXXX XXXX XX/XX/XXXX, Inquiry Name : # XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXX, Inquiring Date XX/XX/XXXX, inquiry Date : # XXXX OF XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-05-30 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2024-05-30 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:
I've been a victim of identity theft and I have plenty of unauthorized accounts/inquiries listed on my credit report. There's also a bankruptcy listed and it's not reporting 100 % accurate because it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need all accounts and inquiries that are unauthorized removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: OH

Complaint narrative:
I've been a victim of identity theft and I have plenty of unauthorized accounts/inquiries listed on my credit report. There's also a bankruptcy listed and it's not reporting 100 % accurate because it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need all accounts and inquiries that are unauthorized removed immediately!

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 2024-05-30 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: FL

Complaint narrative:
XXXX, Transunion and XXXX are reporting information on my credit report that dont belong to me. I also dont have any Knowledge of these inquries that are listed 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX When a credit reporting agency makes a mistake in your credit report, it can cause serious problems. However, the FCRA offers you protection from credit reporting agencies and creditors who report erroneous credit information, fail to remove errors, or use your report for forbidden purposes.

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