vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT SEVERAL FRAUDULENT ACCOUNTS IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNTS UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN SEVERAL ACCOUNTS ( PLEASE SEE THE ATTACHED FTC IDENTITY THEFT REPORT ). PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE. ATTACHED IS MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND THE FTC IDENTITY THEFT REPORT. THANK YOU

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 2023-09-28 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2023-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc.
State: IN

Complaint narrative:
On XX/XX/2023, I noticed two unauthorized transactions were taken from my bank account for {$120.00} and {$410.00}. I found out that the bank stated it said legal order Debit case on the history and to contact XXXX XXXX XXXX, ( XXXX ) XXXX in XXXX XXXX, Va XXXX Instead of speaking to XXXX XXXX the number goes to a collection agency in XXXX, Va. where I no longer live and where there the debt was originated. The company did not notify me about the debt before they took the debt amount out of my bank account. my bank is still holding the funds and the company is stating that I need to sign a release form for them to receive the funds but I want to make payment arrangements and they seem to be making it difficult for me to do so. The original debt is {$250.00} but I'm being charged 6 % interest, Attorney fees : {$63.00}, and court cost : {$78.00}. Not right! All of these fees were taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I paid my account in full on XX/XX/XXXX. I received a bill due XX/XX/XXXX for interest charged on XX/XX/XXXX. After I paid my account in full. I called and tried to get a customer service agent to resolve it. He refused I asked to speak to a supervisor I was transferred to XXXX at XXXXXXXX XXXX on XX/XX/XXXX and she refused as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2023-09-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 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.

And The law states that 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 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.

And The law states that 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for 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 non-monetary relief
Consumer complaint received 2023-09-28 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX Bank account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation.

Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
XXXX. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
XXXX. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX  account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I made a {$350.00} purchase online XX/XX/23 at XXXX advertised as 12 mos. no interest. I was confused about the contract language and wound up contacting Synchrony about how the payments would be applied. I was not satisfied with that arrangement and received instructions from them via chat about how to make additional payment and have that additional payment reallocated to pay off that deferred interest contract. I followed their instructions on XX/XX/23. 10 days later, I received a letter denying the request. I chatted with them again XX/XX/23, and they promised again to reallocate the payment. They've failed to reallocate the payment by the promised time, yesterday, XX/XX/23.

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 2023-09-28 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: TN

Complaint narrative:
I am writing to address a discrepancy in Equifax 's response to my complaint through the CFPB portal on XX/XX/2023. The response provided by Equifax is inaccurate and unrelated to my credit report. It appears that they have mistakenly addressed the response based on a family member 's credit report with a similar name, rather than my own. 

To clarify, my name is XXXX XXXX, and upon reviewing my credit report, I found that every account mentioned in Equifax 's response is not listed anywhere on my report. The only collection listed on my credit report is from XXXX XXXX XXXX account number # XXXX. 

In my initial complaint, I clearly stated that XXXX account # XXXX has violated my rights as per the Fair Credit Reporting Act, specifically referring to my right to privacy under 15 U.S.C 1681 section 602 A. Additionally, section 2 of 15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request that you address this matter accordingly and rectify the situation with Equifax. It is evident that they have pulled someone else 's credit report, erroneously associating it with my complaint.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstCredit, Inc.
State: FL

Complaint narrative:
Firstcredit Services calls multiple times a day from different phone numbers. I do not answer and block the phone number each time. Then I receive a call from another number.

To the best of my recollection, I picked up the first call I received a few years ago and told the individual to remove my name and number from their lists.

My credit score is over XXXX I do not have any outstanding debt. Nothing I owned is financed. 

These call are beyond harassing. They interrupt my other calls and daily activities. 

Please contact the company on my behalf to stop these calls or direct me how to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I left XXXX XXXX in XXXX and also stopped banking at XXXX XXXX XXXX XXXX in that same year. I owed roughly XXXX on a XXXX Credit Card and let that debt default. They charged off the debt and apparently sold the debt to Caine & Weiner XXXX in XXXX. Suddenly this year, it is now showing the debt was created in XXXX instead of XXXX or even XXXX? I am certain they can not change the dates of the debt to keep it on my credit report forever, and they are acting like they can not do anything to help me, even though it is XXXX XXXX XXXX XXXX XXXX that is reporting this to all of the credit agencies. It is not the collections agency that they keep referring me to and who has never sent me a thing on this new debt that was written off years ago? I am looking to get the dates back to where they should be, and I feel like they are playing dirty on this. I need your help. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/2023, my husband and I both received calls from Discover Bank to verify a wire transfer request. I was at work, and my husband indicated the wire transfer request was fraudulent. The wire was still allowed to go out on the afternoon wire, for {$47000.00}, and Discover had the gall to charge me the {$30.00} wire fee. When I contacted Discover Bank that afternoon, I was told the " best '' they could do is request a wire return, and that it would be up to the beneficiary of the wire to approve the return, despite this transaction being marked as fraudulent earlier in the day. Discover did not utilize two party verification for the initial wire request ( which they have previously required I complete for other wire requests ) and did not freeze the account when my husband indicated it was fraud. Discover insisted that this transaction was not a bank error, and the only option was to request a wire recall marking the wire as " fraud. '' Had Discover properly required 2 party authentication for the wire request, or properly frozen the account when the wire was marked as fraud, we would still have our money. Thus, it is my assertion that this is bank error and was likely an inside fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
A fraudulent debt collector fraudulently opened a delinquent credit account under my name. I contacted XXXX directly after it appeared on my credit report as a collection, and during the conversation, XXXX noticed that I didnt even have a delinquent account, past or present, from the bank that this fraudulent credit agency reported. The account was created in thin air because there was NO past accounts from the bank reporting any unpaid amounts. And now Im the one that has to PROVE that the account never happened, YET THE FRAUDULENT collection agency NEVER had to PROVE anything to report a fictional account. Something is very WRONG with this situation, these credit agencies are supposed to be PROTECTING us from this abuse, not aiding in it and accepting it without any viable documentation of proof. Stop ALLOWING These bogus debt collectors from creating fictional accounts. It truly is pathetic. 

The name of the fraudulent debt collector is LVNV FUNDING LLC, also go by the name of Resurgent Capital Services LP, XXXX XXXX XXXX, XXXX, SC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Self Financial Inc.
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation