vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I received an email from USAA stating that if I applied for the credit card by XX/XX/XXXX I would receive 0 % interest through XX/XX/XXXX. I applied through that Email XX/XX/XXXX XXXX. I charged {$7500.00} to that card XX/XX/XXXX. 

I have now been charged interest in both XXXX and XXXX. 

I have called 4 times and both times the resolution team can see I applied during an offer of 0 % interest. But that has been XXXX  effort to correct the interest I have been charged totalling {$260.00}. 

I have forwarded them the email twice to prove that is the offer I received. But It seems I have been bait and switched. They offered me a 0 % interest offer and then left me with 21 %

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 2024-08-26 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: CA

Complaint narrative:
I have been dealing with this since a long time ago. My cousin XXXX XXXX used my information without my knowledeg to open accounts without my knowledge. I need help in removing these things from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit 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 non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
XXXX REFUNDED {$520.00} 2 MONTHS AGO, and chase refuses to credit my account. on XX/XX/year>. the XXXX CHARGE IS DATED XX/XX/year> THEY HAVE DAMAGED MY CREDIT REPORT MASLISCIOUSLY THEY SHOULD BE CHARGED WITH ELDER CRIME. 

I WILL CHARGE. {$2000.00} CONSULTATION FEE TO RESOLVED THIS FOR THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: VA

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/24 XXXX XXXX XXXX. 
XXXX, VA. XXXX. 
E-mail address : XXXX Experian po box XXXX XXXX, TX XXXX Report # XXXX Subject : Dispute about inaccurate personal information. 

I have previously filed a dispute concerning the accuracy of my personal information ; however, Experian continues to report this information incorrectly. I am hereby formally disputing the accuracy of certain personal information contained in my credit report as maintained by Experian. Upon reviewing my report, I have identified discrepancies that I believe necessitate correction to preserve the integrity of my consumer report. 

These specific inaccuracies are as follows. 

NAME : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, The correct representation of that name is [ XXXX XXXX XXXX ] this is the name on my Social Security card, Passport, and Voter Registration. Please remove all other spellings and variations of that name. 

ADDRESS : 1. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX, 2. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX 3. XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

The correct place I am residing at is [ XXXX XXXX XXXX  XXXX VA XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. 

My correct phone number is [ ( XXXX ) XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. I am not associated with any of these phone numbers being reported by your agency. 

Reporting this inaccurate information violates confidentiality of my personal information. I was not contacted by your agency to determine whether this information was accurate or inaccurate. Which violates the reasonable procedure clause in 15 USC 1681 B.

I am requesting that these inaccuracies be investigated and corrected at your earliest convenience. I have attached copies of relevant documents that support my claim. Including.

1. Drivers license 2. Passport 3. Social security Card 4. Voter registration documentation Please confirm receipt of this letter and let me know how you intend to investigate this matter. I appreciate your attention to this important issue and look forward to your prompt response. Thank you for your assistance, Sincerely. 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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I signed up to pay for paper billing with Synchrony. I'm okay with paying a little more to receive paper billing. After signing up and paying for paper billing, I am no longer able to view my statements electronically. I have other accounts with Synchrony where I am able to receive paper bills, and also view statements electronically. This policy was not disclosed to me when I signed up for paper billing. It feels very manipulative not to offer any option to receive paper bills, while also retaining access to electronic statements. It feels like a security issue as well, having access to electronic statements helps me quickly verify previous activity.

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 2024-08-26 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: IL

Complaint narrative:
Transunion has allowed ( XXXX XXXX XXXX  ) to put an fraudulent account on my credit report, This error is illegal and unethical. Transunion failed to an investigation The creditor failed to perform a investigation. This account is damaging to me and should be removed immediately.

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 2024-08-26 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) bal. {$820.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) bal. {$390.00} XXXX XXXX bal. {$23000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. {$590.00}

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 2024-08-26 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX XXXX. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a bank statement from Capital One for Payment for a Credit Card which I am not aware of. I called the bank to start the dispute and they told me it will take up to 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I 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, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
We are a small rural volunteer  fire department and were doing a transaction with XXXX  sales and XXXX XXXX. We recieved the XXXX  bottles and then recieved an email the same day saying that the invoice was due to do a wire transfer to XXXX to a chase account I also just noticed even that email address changed to XXXX halfway through the correspondence this money went to

J.P. MorganChase and theyre claiming that whoever got that money wont return it and were screwe d!! Theres got ta be something we can do! I called chase and got bounced t o 5 different departments before they said oh well you dont have account with us we cant help you!!! And hung up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
Please delete these accounts that do not contribute for a good credit standing. Investigate thoroughly and verify the items being reported on 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 2024-08-26 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: RI

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.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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 an account without my written instructions.

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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed.

Account Numbers and Names : -DEPT OF
EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX 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 2024-08-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2024-08-26 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:
When I checked my credit report I saw some inquiries that did not belong to 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute an account that has been incorrectly reported on my credit report. The account in question is associated with XXXX XXXX, but it is not mine, nor have I ever opened or authorized such an account. 

After reviewing my credit reports, I discovered that this account was placed on my reports with all three major credit bureaus. I have successfully disputed this with XXXX, several times, and they have removed the account from my report. However, it remains on my reports with your bureau, [ XXXX/Experian ] . 

Details of the Disputed Account is attached in the document portion of this complaint. 


Sincerely, 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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
I called on XX/XX/XXXX to change my user name and password and XXXX step verification process bc I was locked out of my SoFi account. When I did they informed me that I needed to call back and after paying my bills and doing what I needed to financially that we would look at changing information in my account to keep it from being compromised bc the gentleman thought it had been. It has been 3 days with no update, no access to funds, my phone is due to be disconnected, and I cant even buy groceries to feed my XXXX XXXX XXXX child. When I call they tell me they cant send me to anyone other than someone in the security team and Ive talked to numerous supervisors with no update or change other than telling me they have to finish their investigation. I need to feed my child and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: WA

Complaint narrative:
I am requesting that it will be removed 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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