vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
When I check my credit report from Experian, I found the company wrongly added someone else account into my account, I never opened that account from the XXXX  XXXX XXXX, I also called company to confirm it. Experian also wrongly record my address, birth year, and wrongly put another name under my account. 

I called the company about this problem in XXXX, and also submitted the dispute request online. But the status has not been updated yet, I failed to connect with the company, can't get on the call with the customer service. 

I am really struggling the company 's progress on this since credit report is such an important thing. Now it really deadly impact my application on the other stuff. I would like this to be solver 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 2024-11-06 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: CA

Complaint narrative:
I have been a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.

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 2024-11-06 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 a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additionally, there is a fraudulent inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I have been a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, there is a fraudulent inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.

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 2024-11-06 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: MD

Complaint narrative:
Experian, XXXX, and XXXX continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.

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 2024-11-06 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: GA

Complaint narrative:
I have contacted chase bank in regards to a credit card that I have with them. Chase bank has discriminated against me for exercising my right to dispute charges I dont not recognize and investigate. They adversely closed my account and left a balance of a little over {$3000.00} I need this fixed asap. The account either needs to be reinstated or the whole account deleted. I have never received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I ordered XXXX XXXX purse last year in XXXX XXXX. According to XXXX XXXX they delivered it on XXXX XXXX at XXXX and it was signed by me. When I got an email that it was delivered and signed, I called them right away. I told them that I am at work and I had provided XXXX XXXX a screenshot of my computer that shows the day and the time when I was at work at the time the package was delivered. In fact, XXXX XXXX couldnt refund and told me to contact my credit card company to dispute. I contacted Apple Credit Card Company and started my XXXX dispute on XX/XX/year>. As a proof I provided a screen shot of my computer showing the date and the time that I was at work when the package delivered so it was impossible for me to sign under anything. However, it was denied. Then, I opened the second dispute, this time I provided my timesheet from XXXX XXXX XXXXXXXX XXXX XXXX. Again, it was denied. I opened my XXXX XXXX dispute and provided a police report that got approved by the officer ( XXXX ) XXXX XXXX Police Department XXXX In fact, I got an email a few days ago that they denied my dispute and reversed the charges back to my account again. 

Please note that I submitted XXXX claims already. My main point is that i was not at home at the date and time the merchant claims delivery was made at my house. Their proof of delivery document has a signature that is not mine. In fact, i sent you my official timesheet and screenshot from my office computer to prove i was at work full time on that day. I even provided an Approved Police Report. You can clearly see that the signature they have does not match with my legal signature. It is possible they delivered the item to a wrong address because we leave in a community with a lot of identical townhouses and items can be easily delivered to a wrong address with similar numbers. This is my first dispute in my entire life and had never dealt with anything like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-06 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> while opening up my mail, i saw a mail from XXXX notifying me that my personal information was stolen in a data critical vulnerability. the information involved my social security number, date of birth and financial account number. It also provided me with credit monitoring with credit XXXX work for one year. Since i was a victim of identity theft in the past, and happened to have an XXXX account, l got my new set of credit report that gave me the shock of my life and i found out that I was a victim of identity theft once more. Apparently, these criminals somehow found my personal information and used it to get a credit card from Wells Fargo Bank. If i did not get my report today, i would know nothing about this at all. Please note I did not make these charges on this account, and I did not get any benefit from it. Therefore, I would like for this account to be closed and removed from my credit file ASAP. Please help me to resolve this stressful situation.

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 2024-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to transfer my deceased fathers cd from Citibank for over 1 year. After meeting ALL of their requests for access to account, they did not follow my specific instructions and proceeded to make the final check disbursement to XXXX of XXXX XXXX instead of XXXX XXXX as instructed.

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 2024-11-06 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: IL

Complaint narrative:
I am writing regarding all debt you have contacted me about. I am disputing this debt and am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest or fees.

3. An itemized statement detailing the XXXX XXXX provided, the dates of service, and any payments made. 4. Copies of any documents that substantiate the debt and prove that I am legally o
bligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Additionally, please cease all collection activities and communications until this debt has been validated. I also request that you do not report this debt to any credit reporting agencies until it has been verified. 

If you are unable to provide the requested information, please notify me in writing and cease any further collection efforts. 

Thank you for your prompt attention to this matter.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have disputed this account several times because I do not own this debt. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Please send : 1. A calculation of balance and payment history.

2. Proof of the agreement that grants this company the authority to collect this alleged debt.

3. A copy of the company 's state license including the license number. 4. Proof of how the company assessed the debt. 5. Copy of the original contract bearing my signature. 6. Chain of title on this debt. 7. Do they own it or was this debt assigned?

8. Copies of all letters sent to me from you and the original creditor.

9. How much did you buy this debt for?

10. What fees/interest was tacked onto this debt?

11. How were the fees determined?

12. Proof that this company carries a bond.

13. Proof that this company has the right to collect this debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information to my credit repo. These inaccuracies have been detrimental to my life and credit health

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 2024-11-06 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7400.00} US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-06 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: CO

Complaint narrative:
This child support problem and many more problems. The child support emails from them court orders that are blank where it says behind. No support documents from the child support agency that shows I am behind. The child support agency has reported for fraud this doesn't help there case because they refused to go off the motions and court order.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: Security Credit Services, LLC
State: LA

Complaint narrative:
Security Credit Services violated both U.S. Code 6802 and the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681, which guarantees fair and accurate credit reporting while offering protections to consumers. The failure to provide an opt-out option for the charge-off report restricts my control over my personal credit information. 
Additional violations include : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which mandates standards to safeguard consumer information.

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), requiring disclosure of privacy policies and any opt-out options available.

Under 15 U.S.C. 1681, institutions are also accountable for non-compliance, which can result in a penalty of up to {$1000.00} per violation. Due to Security Credit Services ' failure to comply with opt-out provisions and fair reporting practices, I request enforcement of this penalty to rectify the harm done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
XX/XX/year> - 1st notice of inaccuracies including FCRA violations via Certified return receipt number : XXXX. And also filed complaint with CFPB. XX/XX/year>, well beyond the 30-day period mandated by the Fair Credit Reporting Act for resolving such disputes, a notarized affidavit of truth was sent to Experian via certified mail receipt number : XXXX giving Experian 5 days to comply. Five days has passed. I am prepared to initiate legal proceedings against all agencies involved for damages resulting from these approximate 180 FCRA violations and inaccuracies.

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