vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: AR

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-12-09 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: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was a victim of fraudulent charges from XX/XX/year> to the latest pending charge on my XXXX a count. When I discovered XXXX charges, I called XXXX to dispute for fraud. the chart es have continued despite XXXX investigative that has not been investigated properly or a curately or thoroughly, I am making these same complaints against Chase Credit card Services. Where is there due process with transparency? WHO, WHAT, WHERE, HOW?? andWhy I am being a tually a fused of falsifying as to receiving no benefits besides no knowledge of o Or Authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I submitted a dispute to Experian on XX/XX/year> for items that are on my credit report and do not belong to me. I requested a copy of the original purchase agreement for these items as well, since that is my consumer right to request these items. I received an alert today XX/XX/year> that the dispute had been done and the items were verified as correct and would not be removed from my report. I have not received any mention of my request for the purchasing agreement for these items and now I want to know what steps they actually took to verify this information in less than 5 days that included weekends. I want all documentation that pertains to these items.

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 2024-12-09 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: CA

Complaint narrative:
XXXX is currently reporting three fraudulent accounts that are reporting incorrect information on my credit report. Ive contacted them for information on the creditor account and they have not sent me any information or original creditor agreements about these account reporting incorrect information on my reporting incorrect information according to the Fair credit reporting act!

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 2024-12-09 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: CA

Complaint narrative:
XXXX is currently reporting three fraudulent accounts that are reporting incorrect information on my credit report. Ive contacted them for information on the creditor account and they have not sent me any information or original creditor agreements about these account reporting incorrect information on my reporting incorrect information according to the Fair credit reporting act!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here is a statement to my credit report describing my situation so that anyone who views my report will see this statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : File Number:XXXX  Date IssuedXXXX I appreciate the promptly response and I apologize for the inconvenience. I am quite very confused to whom is a third-party resource help me with that information you claim to be invalid of filing number XXXX. Thank you for the continuance of review without the identity theft information, informative also.

I will review and create my own identity theft and human trafficking report and file It, in the mean time I'll attach to the response.

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 2024-12-09 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: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-12-09 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: NC

Complaint narrative:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: MA

Complaint narrative:
After receiving my complaint about excessive phone calls, up to XXXX per day and texts and emails on the same day they agreed to place a XXXX not contact on my account. This was XX/XX/year> on XXXX they called twice in the morning which I again asked them to stop. They agreed that they made a mistake and called after the do not call was issued days earlier. These repeated calls interrupted my doctor 's appointment which was an embarrassing situation. 
Again they failed to follow FDCPA and should be held accountable to the Federal law and the Massachusetts collection laws. 
I am requesting the maximum penalty because of the aggressions that should have ended. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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 formally request an investigation into several accounts listed on my credit report from a company called wings financial that I believe is a result of identity theft. I have recently reviewed my credit report and noticed multiple accounts from this company i do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-09 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: MO

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
Subject : Request for Permanent Removal of Fraudulent Account Dear Equifax, I am writing to formally dispute the recent re-insertion of a fraudulent account on my consumer file. This account was previously removed after I filed a dispute, but I have noticed that it has been placed back on my report at the request of the furnisher. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, specifically Section 1681i ( a ), when a consumer successfully disputes the accuracy of information on their credit report, the consumer reporting agency must conduct a reasonable reinvestigation. Furthermore, once information has been removed, it can not be reinserted without proper verification of its accuracy and notice to the consumer, as outlined in Section 1681s-2 ( a ). As this account was previously determined to be fraudulent and removed, I request that you permanently remove this account from my consumer file. I also ask for written confirmation of the removal and details of the investigation conducted regarding this matter. Please respond to this request within the timeframe set forth by the FCRA. Failure to comply with this request may result in further action to protect my consumer rights. Fraudulent accounts listed below : Account Name - XXXX XXXX XXXX XXXX. 
Account number - XXXX XXXX I'm I am also disputing the unauthorized inquiries below made without permissible purpose. Remove immediately from my consumer file for FCRA violation. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: DE

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-12-09 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: DE

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-12-09 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I XXXX {$610.00} from my Capital One checking account to my husband 's XXXX XXXX account, using his email address XXXX, he did not receive the money, my husband let me know he recently unenrolled his email XXXX and enrolled his phone number XXXX because he was having trouble receiving funds via XXXX with XXXX XXXX XXXX After reviewing my transaction on my Capital One online bank with XXXX the transaction shows delivered for XXXX XX/XX/XXXX so we waited after XXXX holiday. As of XX/XX/XXXX we phoned XXXX XXXX they do not see any transfer deposits made to my husband 's checking account for {$610.00} and Capital One shows my transfer for {$610.00} was delivered they cannotcancelthe transfer and its not pending with errors. I filed a claim dispute and Capital One stated it would take 45 days and they would temporarily deposit the {$610.00} dollars back into my account after 10 business days. On XX/XX/XXXX I had my husband unenroll his phone number using his XXXX XXXX XXXX and re-enroll his email to see of the money will go through and it did not. As of XX/XX/XXXX Capital One denied my dispute because they said the transaction was completed. It was completed but the money never made it to my husband 's XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: DC

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, which has resulted in fraudulent accounts being opened in my name. These accounts, which I did not authorize or initiate, are now erroneously appearing on my credit report as collections. I have taken initial steps to address this issue, including filing a police report and disputing the accounts with the credit reporting agencies, but I need further assistance in ensuring that my rights as a consumer are fully protected. I respectfully request the XXXX XXXX support in investigating these matters, ensuring that the inaccurate information is removed from my credit report, and holding the responsible parties accountable. Thank you for your attention and assistance in this urgent matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There was a transaction posted on my credit card on XXXX for {$1800.00} from XXXX XXXX. I called Bank of America ( the bank which the credit card it from ) to report a fraud charge on my card. The representative from BofA asked if I am still in possession of the card. I responded, yes. The representative stated that there was no need to send a new card then and then escalated my case to the fraud department. 

Around XXXX, I noticed the charge reappeared on my credit card statement. I called the BofA again and asked what the problem was. The representative on the phone stated that they contacted the vendor and the vendor stated that I inserted the chip to complete the transaction and also verified the transaction via phone. I asked the representative how the transaction was verified, was it through logging in to the app, or was it by verifying through text. The representative did not give an answer to this question. I immediately changed the password on my BofA app because I felt that my account may have been compromised. I stated I did not verify this purchase or use my card for this transaction. 

I called again on XXXX because I noticed that the charge was still on my card statement. I called the fraud department number that I received through the automated help chat via the banking app. I spoke to a representative that told me that she would call me back. I was incredibly confused what she meant by that, and asked her. She stated that she would call me from a different number so that she could she my account. She did call me back from a different XXXX number, and then asked me to verify my account. I told her that I did not feel comfortable having her call me from a different number and then her asking me to verify my account. 

I hung up the phone, and called the number on the back of my credit card. After waiting, I was put in touch with someone again. I complained to her that my previous interaction was incredibly odd, and went against everything protocol I knew. I then asked her why I was never issued a new card, if the previous representative from XXXX claims that I used the chip to verify the transaction. She stated that she was also confused by the way this fraud investigation was being conducted. She also was confused by my previous interaction of being called back from a different number while on the phone with a representative already. She issued me a new card and said that she would escalate my fraud claim. 

The transaction still appears on my credit card, and I am getting no information on if it will ever be rectified.

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 monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief