vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Indiana XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for ( XXXX ) XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to XXXX XXXX XXXX section XXXX consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies XXXX this information that results from alleged identity theft. Also, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal XXXX XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
i have been identity theft and have alot of things on my checsytem report that i did not inquire about please remove these accounts and send me how you guys did the investigation to prove accounts are mine

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 2024-03-02 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: TX

Complaint narrative:
I have requested on several occasions documentation for all accounts reporting to my consumer report as well as all evidence of investigations and reinvestigations for disputes. 
this is my final step before seeking judgment.

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase credit offers fraud protection.

I believe I was a victim of Fraud by deception.

Chase refused to honor my claim. 

The location is XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reported another customer with the same complaint. 

XXXX XXXX XXXX overcharged me in the first place the cost was supposed to be according to online after I checked was XXXX and they charged me XXXX. 

I contacted XXXX and the company told me it is was one on their private franchise. 
They were supposed to give me a call back and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-02 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate the listed items below. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7200.00} XXXX  XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-03-02 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: OH

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the listed items below. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MS

Complaint narrative:
I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MS

Complaint narrative:
I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.

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 2024-03-02 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: Global Lending Services LLC
State: LA

Complaint narrative:
Global Lending Services reported a ( charge off/ collections ) on my consumer report without full disclosure prior to making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CarMax, Inc.
State: GA

Complaint narrative:
Hello I Just Looked At My Credit Report And Seen Carmax Auto Finance Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
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 2024-03-02 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express gift card for {$500.00} as a holiday present from my company. I am unable to use the card at multiple retailers online despite having a balance that is greater than the purchase amount ( one for {$150.00}, and one for {$57.00} ). I have activated the card, and followed the steps necessary to use said gift card. I have tried to purchase items at stores that accept American Express, but each transaction has been declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please look at the documentsI have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted. that I've attached.

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 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
My loans said that, via email, that I was recertified for my the Federal Student Aid for tax review this year. This email was from the Federal Student Aid. I called Mohela and they said they would redo the SAVE application over the phone even though I said I just recertified. I was told by the phone representative that my payment would be {$150.00} on the SAVE plan ( even though their calculator said it would {$100.00} ). I got an email shorter after saying I was denied for the SAVE plan because it was too early to recertify. The Mohela website says I am on the SAVE plan but that my payments went from {$35.00} a month to {$750.00} ( which is what a standard replay is ). I have {$49000.00} in income and about {$68000.00} in student loans upon entering repayment so I definitely qualify for the SAVE plan. I need help because I can't afford the {$750.00} automated payment and Mohela is not able to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MN

Complaint narrative:
I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This XXXX include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-02 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: MN

Complaint narrative:
I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This may include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a continuation of my previous complaint. My account continues to be charged {$900.00} a month when I have called several times to try and cancel this payment. Truist 's online bill pay service doesn't show any record of the payment but my account continues to end up overdrawn due to the payment. On XX/XX/2024 I noticed the payment had processed again so I called at approximately XXXX XXXX ET. I reached the fraud department who offered to charge me {$35.00} to issue a stop payment. I refused that option because this issue has already cost me too much in fraudulent overdraft fees. I will be attempting to close all of my Truist accounts tomorrow.

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