vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report, I was outraged to find several inquiries from your company that I never consented to. These inquiries are significantly harming my credit and causing overwhelming stress.

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 2024-11-21 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: FL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

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 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 2024-11-21 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:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX XXXX ] Date Listed : [ XXXX XXXX, 2021 ] 2. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

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

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 non-monetary relief
Consumer complaint received 2024-11-21 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: IA

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

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 2024-11-21 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1000.00} 2. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2700.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$460.00} Fraudulent Inquiry : 1. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed a collection that appeared on my credit report with all three credit agencies from a company called XXXX with the account number XXXX. I sent all three agencies an Identity Theft report from the FTC along with a police report as proof that I am a victim of identity theft and this account is not mine. All of them were removed except Experian. Experian sent me an email stating they gave all of my documents I mailed into them to dispute the item on my report to the collection agency to investigate on their own. That was my personal information that they now have. So of course when they dispute it, its accurate because you gave them my personal information, from my ID my social my address. I cant believe it. The FTC report and police report I dont mind but why give them my personal information.

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a replacement card for my XXXX XXXX account which wasnt a metal card which I qualified for they stayed promotion was over I argued with multiple representatives some said ok we will get u new metal cards others stated no we dont do that anymore it is what it is I really dont care about that account is closed my issue is they refuse to give me a reason why my account was closed they also refuse to return my funds that were in put in the account stating they were made available when they were not they closed it before I could even access

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recived and deposit a check of {$900.00} on XX/XX/year>2024 from XXXX XXXX  and issued to me on XX/XX/scrub>/2024. Unbenowced to me the check was stolen and deposited into another accoount on XX/XX/scrub>/2024 that I do not own or have any knowledge about. I reach out to Wells Fargo that same night once I notice that the {$900.00} that I had deposited was now withdrawn from my accout. The agent I spoke to was not very knowledgeable and said my account and rounting number taking and that i should close out the account and created a case that doesn't seem to exist. I visited the branch on XXXX XXXX in XXXX XXXX on XX/XX/year>2024 were I was assisted by a banker who had discovered that the check had was stolen and deposited into a XXXX account. She advised me that the account wasn't compromised so I shouldn't need to close the account. She then when on to try to reach out to internal departments to see if we could get the issue resolve but it was all to no avail. I reached out to Wells Fargo again on XX/XX/year>2024 to check the status of the case that was filed with the original representative on XX/XX/scrub>/2024 and they ened up filing another case and stated the money should be refund after the investigation. After the 10 business day I called to check the status of the case and they stated there was nothing they could do since the check was cashed again, even though the check that was issued to me in my name, address, and signature had already cleared in my account. I don't understand how my financial institution allowed another on to withdraw money from my account and how XXXX allowed someone to deposit a check that was not issued to them.actions.

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 2024-11-21 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: Kikoff Inc.
State: TN

Complaint narrative:
I have been unsuccessful with getting this information verified and documents provider to me concerning this matter. I also have disputed with all 3 bureaus and everyone failed to provider documents about this account. I am not aware of this account or where it comes from. The bureaus are just verifying based off addresses and not doing their research in providing information in reference to this account. unable to contact this company directly to get information, Its affecting my credit in a negative way and i have nothing to do with this business or never did business with them very got XXXX from these people ever.. This is fraud. XXXX ACCOUNT #

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XXXX, I was reached by individuals, acting on behalf of and/or through the Internet platform XXXX. The individuals contacted me, explained to me, and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advice for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they were completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the XXXX and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX 
After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive XXXX, I lost USD XXXX ( US Dollars XXXX  XXXX XXXX XXXX and XXXX and XXXX Cts. ) paid in a series of transactions within a short period of time in cryptocurrency. All transactions were initiated through my account with BANK OF AMERICA. BANK OF AMERICA never warned me about the potential risks associated with those payments. I have tried to resolve the issue with BANK OF AMERICA. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of the date of this complaint, the bank failed to provide me with a feasible compensation offer.

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 2024-11-21 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: Experian Information Solutions Inc.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 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:
I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX ( opened XX/XX/XXXX ) ( {$460.00} ) XXXX XXXX XXXX ( opened XX/XX/XXXX ) ( {$910.00} ) Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you must tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So, when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the tradelines. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year>2024 capital one improperly reported late payment on my personal report without me written consent. 
This has damaged my credit worthiness and personal reputation and has hindered my ability to use my own credit. See attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file. 
Fraudulent 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 XXXXXXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief