vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: WV

Complaint narrative:
Hard Credit Pulls on Trans Union and XXXX that were never authorized by 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Hard Credit Pulls on XXXX XXXX and XXXX that were never authorized by 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 explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My name is XXXX XXXX, I called in to file a dispute regarding some cash app transactions that I noticed occurred in my acc on XX/XX/XXXX till XX/XX/year> by the merchant name XXXX XXXX and XXXX XXXX which I never authorized and for the record I never had cash app. 

I noticed I havent seen my card for a long time but I was thinking it was around my house so I didnt pay much attention and was using my virtual card more often for any online transaction ever since and my credit builder card. Hence I havent had time to check my account activities in details and when I did I realized someone was using my card for transactions I didnt authorize mostly through cash app of a total amount of about {$2900.00}. XXXX I also informed the customer care agent I spoke with that I Think someone was in my Acc because I received a link into my email sometime ago which I later realized was a spam link which could give anyone access to my account without my consent after I was informed and enlightened about the link by XXXX customer care when I had similar experience with my chase account of which I also filed a dispute with regarding unauthorized transactions on my chase account that has been processed and successfully resolved and my money returned. 

Furthermore, I filed a dispute with chime earlier regarding this issue which was denied claim I.D ( XXXX ). Then I had to file again towards disputing these unauthorized transactions on my chime account with the claim I.D ( XXXX ) Im hoping this dispute will be resolved amicably and my money returned thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-22 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: NY

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. This is XXXX XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received an email from Capital One saying I was approved for a XXXX XXXX  My XXXX  app confirmed Capital One made an inquiry into my credit. I made a complaint with Capital One and requested the account closed. I did not request a Capital One card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Checking account joint with my Son who is in XXXX. My son deposited a refund check from a local property management company which was a rental deposit reimbursement. Chase flagged the deposit as fraud even after the check cleared XXXXXXXX XXXX  and the person at the property management company, who wrote the check, called Chase and confirmed it was a valid check. Chase subsequently confiscated the remaining balance and closed the account. I have contacted Chase multiple times trying to resolve the issue and they have REFUSED to provide anything in writing or send any explanation of their actions. They have also refused to give me any contacts in their organization who can resolve the issue. 

We contacted the local bank manager and explained the situation. The manager could not beleive that Chase had done such a thing, until he confirmed what they had done on his Chase computer. When he contacted the Chase fraud department they refused to help him. We also asked for a formal complaint to be filed on XX/XX/year>. As of XX/XX/year> I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-21 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name and address is incorrect on my credit report I can send you my drivers license to confirm my address

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 2024-11-21 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:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX XXXX XXXX  Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Credit Bureau XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau : XXXX XXXX XXXX XXXX * Account Number : XXXX * Credit Bureaus : All three bureaus XXXX XXXX XXXX XXXX Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX XXXX and XXXX XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit.

I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

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 2024-11-22 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-22 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax credit bureau refuses to acknowledge a blatant flaw in their password reset system and when asked give computer generated responses Their password reset system on Myequifax will allow any email address and phone number and doesn't check to make sure its what the consumer has put on file. This makes its entire system vulnerable to hackers.

Whats worse is Equifax sells XXXX and systems in other countries have these features. This needs to be addressed pronto. 

I will be starting an online petition slash riot to encourage people to flood the cfpb with this complaint until its addressed. The American people deserve security

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
The following items appearing on my consumer credit report are the result of identity theft and fraud. These accounts and inquiries were not authorized by me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in multiple fraudulent hard inquiries and collections being reported on my consumer FICO credit report. All of the aforementioned accounts, collections, and inquiries are the direct result of identity theft and fraud.

I request immediate action to address this matter and remove these fraudulent items 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 2024-11-22 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: VA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/XXXX : found my card is expiring XX/XX/XXXX Called in Netspend call center @ XXXX around XXXX XXXX XXXX - shared my card is expiring XX/XX/XXXX and asked if I could get replacement card with extended expiry. she said she could assist me with this and she would sent replacement card. so left balance of {$340.00} without speending even though I had 1 day to spend them. 
XX/XX/XXXX : received replacement card but with same expiry XX/XX/XXXX called in around XXXX PST explained the situation and got connected to supervisor names " Heel '' he reviewed call log and advised he would raised this up since I was misinformed by Netspend associate and revert shortly XX/XX/XXXX : didn't receive any call or replacement card called in again XXXXXXXX XXXX - customer representative advised that the fund went back to the customer who funded the card. however, when I check with XXXX XXXX XXXXXXXX who funded the card below, didn't get the money back from you. 
so sent email to Netspend Customer service center XX/XX/XXXX Nespend replied on emailed to call back XX/XX/XXXX called back to Netspend : no update XX/XX/XXXX call back to netspend. customer representative advised that the fund has been refunded to the vendor who purchase the fund. 
XX/XX/XXXX checked with the vendor but didn't receive the fund. 
XX/XX/XXXX called back to netspend and notified that once fund expired they couldn't track the fund which means fund is not transfer to vendor.

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 2024-11-22 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: MD

Complaint narrative:
I am filing this complaint against XXXX and EQUIFAX Credit Bureaus. In XX/XX/XXXX, a debt collection company XXXX XXXX XXXX XXXX filed a credit report in my credit record with the credit bureaus in error. It was an error because I was a victim of an identity theft in XXXX, when someone residing in the XXXX XXXX XXXX  where I never lived, opened a Phone account in my name, at a state which I never lived. When that account was opened, the phone company failed to verify the address of the fraudster from a government issued ID ; so bills in my name were mailed to an address in a state that I never lived in. I filed a dispute with XXXX, EQUIFAX and XXXX. XXXX did an investigation and accepted my dispute. To my utmost disappointment, XXXX and EQUIFAX did not honor my dispute, probably due to suboptimal investigation. XXXX dropped my credit score from XXXX to XXXX, thereby willfully damaging my decades of exceptional credit history. And EQUIFAX also dropped my credit scores into the XXXX. 
On XX/XX/XXXX, I filed our complaint against XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX ( XXXX ), which reached out to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed CPFB that they now acknowledge that I was a victim of identity theft, and that they have requested that all three credit bureaus remove this credit report from my credit record. XXXX XXXX XXXX also sent me an email stating that they have closed this credit and that they requested all credit bureaus to delete it. 
XXXX has restored my credit scores to XXXX. But XXXX has stubbornly declined to restore my credit or remove a history of negative report from my credit record. Same with EQUIFAX. So, I am filing this complaint before getting my lawyers involved.

Company response to consumer: Closed with explanation