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

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 experian, XXXX 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 2024-11-11 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 that all accounts listed below be blocked and deleted from my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized accounts and inquiries be immediately removed from my credit file to prevent further damage to my credit. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX received a message notice from kraken support ( XXXX ) that my account was queued for resolution and estimated time was 24 to 48 hours, they also notified that my deposit (, XXXX ) Was being processed for returning on XXXX of XX/XX/year> but was not received. After I made complains instead of a refund, they closed kraken account

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from Chase stating that my email address on my account had been changed. I logged into my bank account to see {$5000.00} of pending charges from XXXX XXXX XXXX and a {$3000.00} ATM withdrawal from my savings account. {$4900.00} was transferred from my savings account to my checking to make the XXXX purchases I reached out to Chase 's fraud department, and confirmed with the rep that the phone number, email address/phone number were changed. I confirmed with the rep that I had not lost my debit card and confirmed the card number with them over the phone. The rep was also able to confirm that the location of the ATM withdrawal along with the time of withdrawal. ( Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Within an hour of with withdrawal XXXX additional fraudulent purchases were made at XXXX XXXX XXXX XXXX claims were filed with Chase bank for the XXXX purchases and ATM withdrawal. Chase has determined I authorized all of these charges and is refusing to reimburse me even though I have filed and provided them with a police report and reported the fraudulent transactions within XXXX hours of finding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal charges excess fees, and overdraft fees, discrimination on loan accounts secured and unsecured

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> I am requesting assistance to remove an unauthorized credit inquiry from my report. This is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XX/XX/year>. I have been reaching out to the XXXXXXXX XXXX  in regards to a XXXX issues. Ive sent over multiple emails but fell unresponsive. Leaving me and my family forced to move out and throw out over half our furniture and belongings. XXXX XXXX never responded to my emails to get the issue fixed and now almost 2 years later Im getting notice of a past due balance that I feel I shouldnt be responsible for considering they fell deaf to my complains of the XXXX issue. I have documentation/emails that where sent to them but never was answered.

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

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-11 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: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-11-11 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: GA

Complaint narrative:
I am writing to file a complaint against XXXXXXXX XXXX regarding their failure to properly setup automatic payments for my mortgage account XXXX, resulting in a late payment and associated fees. 

On XX/XX/year>, I spoke with a representative of XXXX to set up automatic payments for my mortgage. The representative confirmed that autopay would be established, and I provided all necessary information during this phone call. I relied on this confirmation to ensure my mortgage payments would be processed automatically. 
However, the autopay was never properly set up, leading to a missed payment. This error was solely due to the servicer 's failure to execute my clearly communicated request. As a result, I have been charged late fees and this incident may negatively impact my credit score. 

I request the following remedies : -Removal of all late fees associated with this incident -Correction of any negative credit reporting related to this late payment -Written confirmation that autopay has been properly established -Documentation of the XX/XX/XXXX phone call to verify my request Prior to filing this complaint, I attempted to resolve this issue directly with XXXXXXXX XXXX on XX/XX/XXXX by phone, but the issue remains unresolved. 
T he following details support my complaint : Mortgage Account Number : [ Number ] Date of phone call requesting autopay : XX/XX/year> Date of missed payment : XX/XX/year> I have maintained timely payments on my mortgage prior to this incident, and this late payment was solely due to the servicer 's failure to execute my requested autopay setup. 
Please investigate this matter and assist in resolving these issues. I can be reached at XXXX for any additional information needed. 

Thank you for your attention to this matter. 

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 2024-11-11 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: GA

Complaint narrative:
I am writing to file a complaint against XXXXXXXX XXXX regarding their failure to properly setup automatic payments for my mortgage account XXXX, resulting in a late payment and associated fees. 

On XX/XX/year>, I spoke with a representative of XXXX to set up automatic payments for my mortgage. The representative confirmed that autopay would be established, and I provided all necessary information during this phone call. I relied on this confirmation to ensure my mortgage payments would be processed automatically. 
However, the autopay was never properly set up, leading to a missed payment. This error was solely due to the servicer 's failure to execute my clearly communicated request. As a result, I have been charged late fees and this incident may negatively impact my credit score. 

I request the following remedies : -Removal of all late fees associated with this incident -Correction of any negative credit reporting related to this late payment -Written confirmation that autopay has been properly established -Documentation of the XX/XX/XXXX phone call to verify my request Prior to filing this complaint, I attempted to resolve this issue directly with XXXXXXXX XXXX on XX/XX/XXXX by phone, but the issue remains unresolved. 
T he following details support my complaint : Mortgage Account Number : [ Number ] Date of phone call requesting autopay : XX/XX/year> Date of missed payment : XX/XX/year> I have maintained timely payments on my mortgage prior to this incident, and this late payment was solely due to the servicer 's failure to execute my requested autopay setup. 
Please investigate this matter and assist in resolving these issues. I can be reached at XXXX for any additional information needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am writing to file a complaint against XXXXXXXX XXXX regarding their failure to properly setup automatic payments for my mortgage account XXXX, resulting in a late payment and associated fees. 

On XX/XX/year>, I spoke with a representative of XXXX to set up automatic payments for my mortgage. The representative confirmed that autopay would be established, and I provided all necessary information during this phone call. I relied on this confirmation to ensure my mortgage payments would be processed automatically. 
However, the autopay was never properly set up, leading to a missed payment. This error was solely due to the servicer 's failure to execute my clearly communicated request. As a result, I have been charged late fees and this incident may negatively impact my credit score. 

I request the following remedies : -Removal of all late fees associated with this incident -Correction of any negative credit reporting related to this late payment -Written confirmation that autopay has been properly established -Documentation of the XX/XX/XXXX phone call to verify my request Prior to filing this complaint, I attempted to resolve this issue directly with XXXXXXXX XXXX on XX/XX/XXXX by phone, but the issue remains unresolved. 
T he following details support my complaint : Mortgage Account Number : [ Number ] Date of phone call requesting autopay : XX/XX/year> Date of missed payment : XX/XX/year> I have maintained timely payments on my mortgage prior to this incident, and this late payment was solely due to the servicer 's failure to execute my requested autopay setup. 
Please investigate this matter and assist in resolving these issues. I can be reached at XXXX for any additional information needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MA

Complaint narrative:
These inquiries have been on my credit report for a while and I feel violated due to these companies having access on my report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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

Complaint narrative:
I am writing to file a formal complaint against Experian for unfair credit reporting, which has led to significant financial harm. I am a victim of identity theft, and despite submitting proof to Experian, they have failed to fully correct the inaccurate reporting of accounts associated with this theft. Additionally, I was denied credit multiple times due to these errors, and my ability to access or view my credit report has been severely affected. 

1. Identity Theft and Inaccurate Reporting : I have been a victim of identity theft since XXXX, as documented by my FTC report and police report. Experian has received these reports and was aware of the fraudulent accounts in my name. 
Despite this, Experian continued to inaccurately report fraudulent accounts and remove my correct address from my credit report, making it impossible for me to access or view my report. 
These fraudulent accounts, associated with addresses that did not match mine, should have been blocked in accordance with my rights as a victim of identity theft. Instead, they remained on my credit report for an extended period, leading to incorrect account reporting and subsequent denial of credit. 
2. Damages Caused by Denials : I was denied credit by multiple financial institutions, including XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX. These denials were based on inaccurate information on my credit report, including high balances and derogatory accounts tied to the fraudulent information. 
These denials have caused significant financial damage by preventing me from accessing credit and harming my credit score. These denials were caused by the inaccurate reporting of accounts associated with identity theft. 
3. Experian 's Failure to Correct the Inaccuracies : I have disputed these accounts multiple times, and while some are finally being removed, the inaccuracies in reporting have already had a damaging impact on my ability to secure credit. 
Additionally, Experian removed my address from my credit report, making it impossible for me to access or view it, further preventing me from managing my credit. This removal occurred even though Experian had received my FTC and police reports from XXXX, and I had to upload the same documents again to prompt them to take action. 

Evidence of Errors : FTC and police reports from XXXX documenting my identity theft. 
Dispute results and evidence showing the removal of accounts like XXXX, XXXX, and XXXX XXXX. 
Denial letters from XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX outlining the reasons for credit denials based on inaccurate credit information. 
Please let me know if any further information is needed. I am requesting urgent resolution to prevent further financial damage.

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