vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: WI

Complaint narrative:
In XXXX of XXXX, I noticed that my credit score had dropped, and it showed a delinquent card on my credit report. The issuer was XXXX. I have a personal XXXX card, but have always paid all balances on time. I called XXXX to ask what this was and they informed me that it was a business card. 
I told them that I had never applied for a business card and do not own a business. 
They told me that in XXXX of XXXX, XXXX approved an application for a business card to someone in New York. Apparently that person made purchases over the limit of the card and never paid any bills for it. 

I was never given details and they told me they would report it as fraud and remove it from my credit report. 
In XXXX of XXXX, the card remains on my credit report. I called XXXX again, and was transferred to 10 different people who were unable to help. The 11th person looked at the letters sent and found that they were all sent to New York. I have never lived in New York and was never contacted in any way in regard to this account. XXXX informed me that their fraud team did not receive a response, and therefore assumed that I was responsible. They then transferred me 3 more times and I finally got a person that took my number and said they would call me back. They never did so. 

At this time, my credit rating went from XXXX to XXXX because XXXX issued a card to somoeone else and somehow associated me with it. I do not know what information is on the account, I do not know the account number or anything about it and appear to be unable to get XXXX to act. I have been unable to reach anyone that can explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CT

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 
I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 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 2024-05-23 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: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

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 2024-05-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter on XX/XX/year> to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}

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 2024-05-24 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: PA

Complaint narrative:
I sent a letter on XX/XX/year> to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove all inquiries pursuant to 15 usc 1681 immediately All charged off accounts are non collectable this is Violating The Privacy Act of 1974 someone illegally sold my information to a 3rd party company. 
Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number xxxxx XXXX Original Amount Owed {$120.00} XXXX XXXX XXXX XXXX {$120.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove all inquiries pursuant to 15 usc 1681 immediately All charged off accounts are non collectable this is Violating The Privacy Act of 1974 someone illegally sold my information to a 3rd party company. 
Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number xxxxx XXXX Original Amount Owed {$120.00} XXXX XXXX XXXX XXXX {$120.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
Remove these inquiries, please. I am not informed about them, and the company proceeded without my consent.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been monitoring Equifax for years preparing for a home purchase. I am able to log in, my info is accurate, and my score is excellent. There is no freeze or fraud alert on it that I can see in my portal. But, when factual data goes to pull it so I can buy my house, Equifax refuses to comply and indicates I need to give a global release. I called equifax. That doesnt exist. They wont let me lift any freeze, it shows there isnt one, and they stated the only way to get them documents is to snail mail it. This is outrageous. Its not my fault their system wont work. Theyre costing me a house! They couldnt tell me what was wrong. They just told me to mail it. It was a middle finger at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE PERSONAL 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 2024-05-23 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Retail has accepted autopay and financed purchase of new phone. After receiving all payments for the loan, they stated that the account was paid off in XXXX and disabled the autopay without consent. There was still a service fee for the insurance monthly that was billed through the account which went unpaid due to autopay being disabled  and late payment emails not being sent. This impacted my credit score by over XXXX points and they have refused to assist in recovering my score. The payment has since shot up to XXXX dollars a month without reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-23 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: CT

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
I am writing to lodge a formal complaint against Chase Bank regarding an ongoing issue with my account that began in XXXX of last year. At that time, Chase erroneously identified my account as fraudulent, resulting in the suspension of my account and the withdrawal of all my funds. 
Over the past XXXX months, I have visited Chase branch offices at least XXXX times and made multiple phone calls in an attempt to resolve this issue. This month, I was finally informed that my account had passed the verification process ; however, I was also told that it is still not possible for Chase to issue a check to me. The reason for this delay was not provided, and both the customer service representatives at the branch and those accessible via phone have consistently deflected responsibility and directed me to make further inquiries myself. 
Each time I have followed up as directed, the only resolution offered was to wait longer while they processed another request. It appears that there is a continuous deflection of responsibility among the staff. I am left wondering whether the employees are genuinely working to resolve customer issues or merely evading responsibility and intentionally withholding my funds. 
Why has it taken over XXXX months to issue a check even after my account was cleared? This situation is not only frustrating but also concerning as it pertains to the handling of my finances. 
I kindly request a thorough investigation into this matter and a prompt resolution. I would appreciate a detailed explanation and the swift return of my funds. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief