vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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 complaint regarding my personal information being compromised due to the Experian data breach that occurred. As a result of this breach, my sensitive data, including my full name, Social Security number, date of birth, and other personal information, was exposed and used by unauthorized individuals to open fraudulent accounts in my name without my consent. 

I have contacted Experian multiple times to report the fraud and to request that the fraudulent accounts be blocked and deleted. However, my efforts have not resulted in a timely or adequate resolution. I am seeking your assistance in resolving 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 2024-11-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not.

I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate.

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law.

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not. 
I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate.

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law.

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly.

Thank you for your prompt attention to 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 2024-11-13 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: IL

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and found a collection account listed under XXXX XXXX XXXX, associated with XXXX XXXX XXXX XXXX This account appears to be related to a medical debt, which may be regulated under recent medical debt reporting guidelines and HIPAA . 

On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX requesting validation of the debt. To date, I have not received proper validation from the collector. Despite this, Experian has not removed the account from my credit report, failing to follow the Fair Credit Reporting Act ( FCRA ) requirements, which mandate that unverifiable information be deleted. 

Additionally, I submitted a dispute to Experian due to multiple reporting inconsistencies. For example, the last reported dates and dates of last activity differ significantly across bureaus. Furthermore, the account lacks any payment history, which is highly unusual for a collection account. 

Given that this account is potentially medical in nature, I believe it should comply with federal guidelines around medical debt reporting. Experian has failed to address these issues, despite my dispute, and has not corrected the inaccuracies. 

I am requesting the CFPBs assistance to ensure Experian conducts a thorough investigation, validates the debt per FCRA requirements, and removes this collection if verification can not be obtained.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
I have been disputing fraudulent information with XXXX for a while requesting them to remove items that where not mine. They continue to keep information on my report that's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
I have been disputing fraudulent information with XXXX for a while requesting them to remove items that where not mine. They continue to keep information on my report that's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
CAPITAL ONE HAS BEEN REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I HAVE ALREADY SENT IN DOCUMENTATION FROM THE FTC REPORT STATING THIS IS A FRAUDULENT ACCOUNT THE ACCOUNT I HAVE KNOW KNOWLEDGE OF IS CAPITAL ONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists of a personal credit card account opened at XXXX on XXXX, XXXX under the account number XXXX, This account have resulted in several fraudulent hard inquiries appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2024-11-13 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: AR

Complaint narrative:
I am writing to formally inform you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Upon reviewing my credit report, I have identified several fraudulent accounts and credit inquiries that were made without my consent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I am on XXXX Unemployment even though I live in XXXX XXXX because that is where I worked I have had this money network card since XXXX of 2024 in XXXX of 2024 that was the first fraudulent charge made by this company somewhere in XXXX XXXX XXXXXXXX now this morning XX/XX/year> I go to take my money off the card and the same amount was fraudulently taken somewhere in XXXX XXXX XXXX for {$340.00} leaving me {$7.00} in my account! 

It is crazy to me that this is the second time in less than two and a half months with this company hundreds of miles of way directly after my unemployment benefits are deposited that it is withdrawn for almost everything that is in there it's disgusting it's unacceptable and even the representative XXXX I spoke to this morning while filing a dispute and getting the information to apply for a provisional credit state it this has been happening to thousands of people every month with these money network cards you can not tell me that the company is unaware you can not tell me that somebody in this company is not helping access customers accounts! 

My unemployment was deposited XX/XX/year> at XXXX XXXX {$340.00} was taken off of my card at XXXXXXXX XXXX. on XX/XX/year> XXXX it is freaking impossible for me to get from where I live to wherever this XXXXXXXX XXXX is in XXXXXXXX XXXX XXXX which is hundreds of miles from me to make a withdrawal within minutes of my deposit being made. I want a full refund of my money that I worked hard for that I earned and I used to support myself as a single father and my XXXX small children {$340.00} and {$10.00} fee I had to pay for a third new debit card because you have scammers working for your company! 

If you go on the XXXX and XXXX reviews for Money Network and my banking direct which is through the XXXX  government unemployment program you can see thousands of reviews of this happening every single month to people who receive some form of government benefits it's unacceptable and absolutely disgusting I will not stop making reviews until I receive my funds and my new card ASAP!!!

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 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Around 7 or 8 years ago we were struggling with our mortgage. With JP Morgan Chase I was going through medical issues. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We tried making arrangements to fix the issue and explained my issues and why we fell behind. I talked to a lady by the name of XXXX or XXXX. She automatically starts telling me she did not care what I was going through and that I trash and should borrow money to pay it. I tried calling back to see if I could get someone else to make arrangements. 
I had no luck they wanted a large sum of money then I could make arrangements after that. I tried for months, and the amount kept growing. Shortly after the first few calls to try and fix this, I start getting calls from XXXX on a daily basis calling me names and yelling at me. Then it got worse. I start getting calls from a private number all hours of the day and it was her. she was saying my house was going to be taken from me and I had a month to get out. 
Finally, my husband decided to borrow from his XXXXXXXX XXXX to pay this large sum of money. 
We just couldn't get help from them and when I called to talk to managers they would direct me to her. when we paid this I was told they would drop my mortgage rate down to help with future payments and that they did. She sent me paperwork to sign and we sent it back. We were also told it would not change the length of my mortgage. We were told our last payment would be XXXX of XXXX. Shortly after our mortgage was sold. we have been great with paying our Mortgage since then. XX/XX/XXXX came and went, and I still was getting bills. We called our current company, and they told us are mortgage was till XXXX or XXXX. I forget which one and don't have the bill Infront of me. We have been paying this since XXXX and still owe the same amount. We would NEVER EVER ask to pay till then we would dead. So we keep paying because the current company said they can't help us. But told us to put in a complaint because we did pay and the rate was dropped and they put years on and that they should not have done. Please help tell me what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
bought an apple watch, they offered an incentive to use an Apple Card for payment, which I agreed to but connected to my credit card so when the payment came due Apple Card would be paid in full. They started charging me a monthly recurring fee for something sometime after the purchase and never told me or billed me yet reported me to the credit agencies for not making the payments. To this day I have no idea what they charged me for. I had PERFECT credit before this and I would NOT risk losing stellar credit status over a {$17.00} dispute. I even paid the {$17.00} so the monthly negative reporting would stop. I just want them to reverse the DAMAGE they did due to their incompetence. Nobody at Goldman Sachs will deliver me any proof of purchase or agree to purchase ( because it doesn't exist ) and they won't accept responsibility or fix the damage they did. What recourse do I have? They just get to play XXXX with my credit? I will NEVER buy an Apple product again. We all agree the account balance has been satisfied, but they refuse to report THEY MADE A MISTAKE with reporting to credit agencies. I either want this fixed or provide proof of purchase.

Company response to consumer: Closed with non-monetary relief