vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding fraudulent information appearing on my credit report due to identity theft. I have provided the necessary documentation to support my dispute and expect immediate action to remove all fraudulent data.

Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under this section, you must block any information identified as a result of identity theft within four ( 4 ) business days of receiving my dispute and required documentation. Failure to do so constitutes a violation of federal law. 

Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : If you fail to reinvestigate the disputed items within 30 days, you are in violation of this section. 
If you reinstate the fraudulent information without notifying me or conducting a reasonable investigation, you may be in further violation. 
Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receiving my dispute, you must notify the furnishers of the fraudulent information within five ( 5 ) business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In XX/XX/2021, I received a phone call from XXXX XXXXXXXX ( the official XXXX XXXXXXXX phone number showed on my cell phone ) which was later determined to be a scam call. A person who identified themselves as XXXX XXXX and provided the following employee number XXXX informed me that my XXXX XXXXXXXX account was deliquent and without payment of {$490.00} via Zelle paid directly to XXXX XXXXXXXX would result in my power being disconnected. 
I asked to speak with a supervisor and was transferred to a person who identified themselves as XXXX XXXX and gave me the employee ID number XXXX. Before I realized that this was fraud, I had transferred {$1400.00} to the scammers and given an investigation number XXXX. I followed up with XXXX XXXXXXXX Customer Service and it was confirmed that I had been the victim of fraud. I immediately filed an investigation request with XXXX and provided all information. XXXX recommended closing my checking account and reopening a new checking account and await the outcome of their investigation. XXXX and Zelle provided no assistance in determining who had created the accounts to which I transferred money and provided no assistance in determining who had committed the fraud. 
There were no warnings from the credit union that Zelle had no protections and I never requested that Zelle be attached to my account. On XX/XX/2021, I received a letter from XXXX saying that my dispute was invalid and the case would be closed. I filed a police report with XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
XXXX Account # XXXX ( {$2200.00} ) : XXXX  Account # XXXX ( {$16000.00} ) : XXXX XXXX XXXX Account # XXXX : ( {$1000.00} ) XXXX  XXXX  Account # XXXX : ( {$31000.00} ) Also, these agencies are not authorized to operate in Texas. My legal residence is Texas per my TDL that was provided. Also providing my state issued ID Equifax stated the never had legal id form me which inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
On XX/XX/year> my auto loan was paid off in full. XXXX XXXX XXXX account number XXXX XXXX XXXX. Equifax is reporting incorrect information. My credit score was affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
I sent a letter to all three credit bureaus explaining i'm a victim of identity thefts and the accounts that are on my credit report doesn't belong to me and i also sent in an ftc and letters explaining how and why.

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 2024-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to all three credit bureaus explaining i'm a victim of identity thefts and the accounts that are on my credit report doesn't belong to me and i also sent in an ftc and letters explaining how and why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to all three credit bureaus explaining i'm a victim of identity thefts and the accounts that are on my credit report doesn't belong to me and i also sent in an ftc and letters explaining how and why.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Card Services showed XXXX purchases I did not make. They removed the charges for the XXXX transaction at XXXX but refused to remove the other charges from XXXX. XXXX is also dated XXXX, the same date as the XXXX fraudulent purchase they removed. These items were scheduled for store pickup at stores far from me, which I did not do, and they will not be able to produce my signature on any pickup document they have. I purchased an electric razor at the XXXX XXXX XXXX XXXX, XXXX NY store on XX/XX/year>. The employee there informed me he made a mistake on the first receipt, which he kept, and he gave me a duplicate receipt for the shaver. The fraudulent purchases done on XXXX were sent to their Sunrise, XXXX XXXX NY and their XXXX NY stores, where someone picked up the merchandise. The pickup slips attached show me as an Additional Pickup Person. I informed Chase of this and they still refuse to remove the fraudulent charges. I opened a police report with the XXXX XXXXXXXX XXXX  XXXX NY with number XXXX. I gave them the evident I have, as has been stated here, and they are conduction an investigation into the credit card fraud I have reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The XXXX  # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

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 2024-12-21 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: MA

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the XXXX data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the XXXX data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number : 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I looked on my credit report and see that my wife 's credit card with discover is negatively reporting on my credit reports, showing collections and XXXX x XXXX  days late payments. I was an authorized user a

t one point. I called discover to a
sk them to remove it, I also provided them with my social security number and they can not find any account associated with my SSI number. 

They looked up my wife 's account, they do not show me associated with her account. After speaking with a supervisor they told me my only option was to go to CFPB to have it removed as they do not have the power to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
As i look on my credit report i see XXXX XXXX XXXX XXXX  on XX/XX/XXXX and dont know what that bank is and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX where i have never received anything nor asked for anything from the same as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX which i have never done business with none of these businesses never asked nor received anything from these establishments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I received a letter today ( XX/XX/XXXX ) sent by Sloan Servicing From nelenet on XX/XX/XXXX stating my level payment will increase from {$120.00} monthly to {$520.00} monthly beginning next month XX/XX/XXXX. I've had this loan originally through XXXX XXXX XXXX XXXX XXXX Funds merged with XXXX XXXX in XXXX which then became nelnet, and now Soan Servicing. I took a forbearance for about 5 years back in XXXX while I went back to school to finish my degree. Since XXXX I have paid on the loan consistently and have never missed a payment. My original loan amount was {$20000.00} and remains {$11000.00} after paying on the loan for 20+ years. I had called XXXX XXXX years ago about why my balance wasn't changing, but was just asked if I wanted to apply for a forbearance. They didn't address my issue. I've paid over XXXX XXXX monthly at times depending on the company. Again, these companies have merged and changed names. My loan hasn't been bought or sold. Something is not right. Let alone the fact they can increase my monthly payment by {$400.00} monthly citing a promissory note probably signed back in XXXX. I've taken other loans out to finish my education starting back in XXXX and have had them paid off for 5 or more years now. Something is off with this company and this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> a friends XXXX was hacked. I wrote to her as usual because I did not know it was hacked. The person pretended it was her talked to me for a bit and then asked me the favor to pay something for her as her app wasnt working. First she asked me to pay {$XXXX} to a XXXX account with the promise to return it later that day. Believing it was her and after she has done many favors to me in the past I didnt wsnt to question her request so did what she said. Later she asked me for {$XXXX} more, I felt uncomfortable because it was a lot or money buy I did it anyway as she promised to return everything later. 
That same night I saw her XXXX account XXXX saying her XXXX was hacked and she wasnt asking for any money. 
I contacted my bank Chase Bank and XXXX about it several times but they said that since I voluntarily sent that money they couldnt do anything. I explained to them I was lied to and my friends XXXX was hacked and I was a victim of a fraud, but they said there was nothing they could do. I reported it to them and to XXXX and also to the FTC but nobody contacted me nor refund me the {$XXXX}. The stress and anger this situation caused me is priceless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i disagree with the results because Experian, XXXX nor did XXXX show any writing documents as requested to prove any late payment as i have submitted receipts from XXXX that all payments was paid on time i want this reinvest gated or deleted 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX i applied for a chase freedom flex in XX/XX/year>. They ran my credit from experian ( XXXX ), XXXX ( XXXX ) denied me, I called the reconsideration line got approved.he stated it would be another inquiry and they sent me a email XX/XX/XXXX confirmed I was approved.XXXX XXXX  they pulled my credit again from experian and XXXX! And they sent me another email stating i have been XXXX received my card and use it a couple times and I received more notices within days!!!!!! This company sent me letters on XX/XX/XXXX stating to call them and verify transactions.and another one stating they closed my account due to them running my transunion again and key factors!!!! My transunion is great no collections, over XXXX a consumer violation. They ran my credit over XXXX  times over XXXX freedom flex XXXX limit card.after the establishment relationship with this bank i never requested or authorized them to run my credit again!! They only report!! I have XXXX XXXX XXXX XXXX XXXX, credit XXXX, and discover. I never had a problem with my lenders in over XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
navy federal credit union has included false information to my mortgage application and repeatedly checked my credit which has greatly lowered my credit score making me ineligible to obtain a mortgage through them. 

At least one credit reporting agency has refused to follow policy in requesting a reply from companies that report I owe them. 

I am XXXX and these false accusations are limiting my options for obtaining a mortgage at a rate commensurate to what my credit score should actually be. 

When you apply for a mortgage through navy federal credit union you pay them to run your credit. They ask for the address of the property you want to buy. When you don't buy that property nfcu requires that you start over again paying for another credit check and starting a whole new mortgage application. These additional credit check fees can put a lot of money into nfcu at the expense of the applicant. This repeated requirement to pay for credit checks greatly reduces the credit score of the XXXX applicant. I do not know if Americans that apply for a mortgage through nfcu are required to repeatedly pay for credit checks, are required to do multiple mortgage applications or if their credit scores are intentionally reduced by nfcu policy of repeated credit checks and new mortgage applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the Equifax data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number XXXX 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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