vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 2024-11-14 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: 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 
The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I als
o have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I have a {$90.00} XXXX XXXX XXXX XXXX debit card from XXXX that expired in XX/XX/year>. I live in California and my understanding is that the funds can not expire. I called the phone number on the card, XXXX, to request a replacement card with a new expiration date and was told all of the funds are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
last year my wallet was stolen when i went inside to grab my child from daycare it contained my drivers license and my social security card so i know for a fact that my identity was stolen and credit cards getting applied in my name i have proof when i went in the XXXX and social secuity administrtion to grab new documents because they was stolen i even filed a police report but i was not able to recieve any help because the daycare didnt have any cameras so they was not able to find out who did it i cant buy a home like i wanted and i cant apply for a morgage because my XXXX XXXX is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
last year my wallet was stolen when i went inside to grab my child from daycare it contained my drivers license and my social security card so i know for a fact that my identity was stolen and credit cards getting applied in my name i have proof when i went in the XXXX and social secuity administrtion to grab new documents because they was stolen i even filed a police report but i was not able to recieve any help because the daycare didnt have any cameras so they was not able to find out who did it i cant buy a home like i wanted and i cant apply for a morgage because my credit score is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
last year my wallet was stolen when i went inside to grab my child from daycare it contained my drivers license and my social security card so i know for a fact that my identity was stolen and credit cards getting applied in my name i have proof when i went in the XXXX and social secuity administrtion to grab new documents because they was stolen i even filed a police report but i was not able to recieve any help because the daycare didnt have any cameras so they was not able to find out who did it i cant buy a home like i wanted and i cant apply for a morgage because my XXXX XXXX is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam XXXX succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX  XXXX XXXX I found fraudulent on my credit reports on XX/XX/year> and called to XXXX bank and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit file.

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 2024-11-14 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: DISCOVER BANK
State: AZ

Complaint narrative:
I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : XXXX XXXX. 

Nature of Dispute : XXXX XXXX I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-11-14 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: DISCOVER BANK
State: CA

Complaint narrative:
This complaint is to address Discovers  failure to provide legally sufficient proof of the alleged debt associated with the account ending in 3869. Under the Fair Credit Reportin

g Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to verification that any reported information is accurate, complete, and can be substantiated. Discover has failed to fulfill this requirement, a clear violation of my FCRA rights. I am maintaining a detailed record of all correspondence to support my case. Failure to Verify the Account It is clear that this account is questionable, as the spelling of my name has been incorrect throughout this process. I have provided proof of my correct name through a legally issued Social Security card. Despite this, the CFPB and Discover have continued to record and address my name inaccurately. This discrepancy further undermines any claim that I am liable for this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies, such as Discover, must conduct a reasonable investigation when a consumer disputes the accuracy of the information. You have not produced any definitive documentation that proves my responsibility for this account, nor have you provided signed authorization or any document definitively linking my identity to the alleged debt beyond basic biographical details. Violation of FCRA Rights The absence of a signed application or photographic identification further weakens Discovers claim. FCRA guidelines mandate that consumer information must be both accurate and verifiable. Without a legitimate, physical signature or government-issued ID, Discover can not verify the accounts legitimacy. Discovers failure to abide by FCRA standards violates my rights and undermines the integrity of the reporting process. Demand for Compliance If Discover can not provide documentation of a legally binding contract or adequate verification under the FCRA, I demand immediate cessation of any reporting of this account to the credit bureaus. Continued reporting of this account without verifiable documentation constitutes an ongoing violation of my rights under the FCRA and may result in legal action. I expect a prompt and thorough response, with full compliance regarding my rights. Failure to address this
matter will leave me with no choice but to escalate this complaint with additional legal remedies. I also expect that Discover refrain from providing misleading information to the CFPB regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed for XXXX XXXX XXXX in XXXX of XXXX. I have an auto loan with Wells Fargo that was reaffirmed in the process. My XXXX  was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with Wells Fargo they deleted, not charge off or listed as resolved in the XXXX, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called Wells Fargo and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the XXXX. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on XXXX. I never paid my loan late even before the XXXX. I was always current. I still am current. I only XXXX credit card debt after a XXXX. The car was never in danger of being late.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed the paper Annual Credit Report Request. I have received XXXX and XXXX. I have NOT RECEIVED my report from Equifax as required by law. I would like to receive it. 

Equifax sent a letter requesting information ( Copy of Social Security Card, Utility Bill, same info in the original Annual Credit Report Request ). 

I sent the requested information via XXXX XXXX  on XX/XX/year>, received on XX/XX/year>. 

Since then I have heard nothing and have yet to received my credit report. 

Can you get this company to comply with the law and provide my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent.

ACCOUNT be deleted from my credit report immediately.

Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXX XXXX  account ( 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
XXXX. I do not know Linebarger Goggan Blair & Sampson, LLP XXXX XXXX  XXXX. I do not have any contractual obligation to XXXX XXXX 

XXXX. I never signed any agreement with Linebarger Goggan Blair & Sampson, LLP XXXX XXXX 

XXXX. I never consented for Linebarger Goggan Blair & Sampson, LLP XXXX XXXX to share my personal information. 

XXXX. My name is Copyright protected through my XXXX.

6. That copyright is registered with the Library of Congress. 

XXXX. I am advising Linebarger Goggan Blair & Sampson, LLP XXXX XXXX to cease and desist any/all collection regarding this name. 

XXXX. I am advising Linebarger Goggan Blair & Sampson, LLP XXXX XXXX  to cease and desist any and all collection against me. 

XXXX. I demand Linebarger Goggan Blair & Sampson, LLP XXXX XXXX contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

XXXX. Failure of XXXX XXXX XXXX to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as XXXX XXXX. XXXX. No further notice besides this notice shall be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: 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 XXXXXXXX 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 
The details of the disputed account are as follows : Account Name : XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 
I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness. 
In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry. 
I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 
Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation