vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, This is a follow-up to my previous complaint regarding the fraudulent Ally Everyday Cash Back account ending in XXXX. Ally Bank 's response failed to address the specific details of my situation and the evidence I provided. I am requesting further investigation, as Ally Banks continued reporting of this account is causing harm to my credit and does not reflect the facts. 


-- - 1. Failure to Conduct a Thorough Investigation Ally Banks response appears to have been generic and did not consider the details surrounding the account in question. Despite the documentation I provided showing that I was incapacitated during the relevant period, Ally Banks investigation seems to have relied primarily on automated processes and basic identity verification, which does not adequately address the nuances of this case. 


-- - 2. Contradictory Findings from XXXX XXXX XXXX After Ally Bank sold the account to XXXX XXXX XXXX on XX/XX/2022, XXXX conducted an independent investigation and determined that the account was fraudulent. XXXX subsequently deleted the account. Despite this, Ally Bank continues to report the account as valid, creating a clear contradiction between the two entities findings.

-- - 3. Inadequate Explanation of Payment and Account Activity Ally Banks response referenced a payment of {$27.00} on XX/XX/2022, but no further investigation into the nature of this payment has been provided. The existence of such a payment does not necessarily validate the account, especially given the circumstances around the fraudulent activity. Without clear documentation, this payment only raises further questions about the unauthorized use of the account.

-- - 4. Initial Concerns Over Re-Aging Initially, I suspected this account might have been one of my XXXX accounts that had been re-aged. However, it has since become clear that this account was opened XXXX  and was the result of fraud. Therefore, the account should not be reported at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}

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 2024-10-18 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX XXXX dollars in total for XXXX XXXX tickets, which were a scammed. 

I have told BofA, which they were reluctant to updating me nor even sending and email whether they have ended or denying my claim ( which they have ).

So I called them today, after not calling them around 1 week to get an update. Just for them to say that they closed the claim, denied it and they can not help me.

They claim that they can't help me anymore because their job was just to send another claim to the scammer 's bank. And since the other bank noticed that the money isn't there anymore ( which ALL SCAMMERS SO THAT, what scammer would just leave their money in
their fake bank account?? ). BofA said that they can't help me at all.

Which was a revelation to me, as what bank ONLY does that to help with customers? They did the bare minimum.

I asked if there's anything I can do, they said I can't do anything.

I asked if I can refile or take this to the higher ups?, they said they aren't going to do that for me.

I asked if I can contact the other bank, if they can help me. They said that the other bank would probably refer me back to BofA. And just for BofA to not do anything about it. I understand that since it's a XXXX fraud they can't help me fully, but even if I contact XXXX myself to help me. XXXX will only refer me back to BofA. So apparently no one can help me at all. After my phone call with them, it genuinely felt like they said for me to take it on the chin because they can't do anything.

I am a XXXX XXXX. I have no idea on what to do and I am scared because BofA has been horrible at helping. BofA has been horrible in terms of helping me and taking it seriously, they can't even to the bare minimum. THEY DIDN'T TELL ME THAT THEY CLOSED MY CLAIM. They have been the worst at updating me and helping me. They have left me in the dark without information. Why did it take me 3 weeks of waiting for BofA to do absolutely nothing to help 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 2024-10-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-17 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: OH

Complaint narrative:
I recently disputed XXXX account # XXXX with Transunion according to Transunion the account come back verified This account is a charge-off and The payment status is reporting as Open its my understanding that a charge off shouldnt be reporting as open this is a violation of the FCRA I would like for Transunion to send me what they use to verify this account with in the next 30 days if they can not provide the proof of verification I would like them to delete this account. I have attached a copy of my credit report and my ID the last four of my social is 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 2024-10-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE

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 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-10-18 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts and remove associated addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint.

As a victim of trafficking, the following accounts were not opened, made, or initiated by me, and are the result of identity theft and fraud : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX Number : XXXX : $ XXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX : $ XXXX Opened : XX/XX/year> Additionally, the following addresses, which I did not reside at, were fraudulently added to my credit report and need to be removed : * XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts and addresses : 1. FCRA Section 605C Self-Attestation Form 2. Notarized Identity Affidavit 3. Notarized FTC Identity Theft Criminal Complaint # XXXX XXXX. Notarized Utility Bill 5. Proof of Removal from XXXX and other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX XXXX Breach ( see attached proof ), which has further contributed to the misuse of my personal information. 
Given the sensitive nature of my case and the urgency in correcting my credit profile, I respectfully request the immediate blocking and removal of these fraudulent accounts and addresses from my TransUnion 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 non-monetary relief
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.

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 2024-10-18 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 have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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 have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.

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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I used my debit card to purchase a bag from XXXX. The transits not process with my debit card and the transaction was cancelled according to XXXX, Chase however, posted the charge for XXXX. The charge did however process with my XXXX card and my loyalist points with XXXX. I was essentially charged on my Chase card for the transaction but did not receive the merchandise because of system error and paid for it with other means.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant negative impact on my mental well-being.

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 2024-10-18 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXXXXXX XXXX account number : 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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA IS A 3RD PARTY COLLECTION WHO IS ATTEMPTING TO COLLECT DEBT account # XXXX, I HAVE EXPLAINED AND SENT LETTER TO THAT COMPANY LETTING THEM KNOW THAT I WAS A VICTIM OF IDENTITY THEFT, THIS DEGORTORY MARK ON MY CREDIT PROFILE IS KEEPING ME FROM FINANCIAL HELP, I'M UNABLE TO GET A PLACE AND OTHER ESSENTIAL THING DUE TO THOS MATTER, PLEASE REMOVE THIS ITEM ASAP

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 2024-10-18 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account XXXX : XXXX Charge : Unauthorized charges Date : XX/XX/year>XXXX XXXX XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies.

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report Proof of Identity Notice to Furnishers of 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 2024-10-18 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account XXXX : XXXX Charge : Unauthorized charges Date : XX/XX/year> XXXX  XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies. 

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report Proof of Identity Notice to Furnishers of 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 explanation