vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: MD

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC  XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with Experian, XXXX, and XXXX requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA 605B. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX  and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MA

Complaint narrative:
I opened an account with Chime using the affiliate link of XXXX ( a.k.a. " XXXX '' ). I was supposed to receive {$400.00} from XXXX once Chime notified them that I fulfilled the terms of the offer, which was to open the account and make XXXX direct deposits over {$200.00} each within the required timeframe. I asked Chime on the phone whether they correctly saw my deposits as direct deposits, and Chime said Yes. However, XXXX told me the following : " Unfortunately, the deposits you have provided did not meet the specific Terms and Conditions required for the offer. As a result, Chime has denied credit for your attempt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : Capital One XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRUSTMARK CORPORATION
State: IL

Complaint narrative:
I open a XXXX XXXX account in XXXX  to put goods on my vehicles. I have been paying it like I was issued. But now all the sudden they want to raise my inetrest rate to 40 %. When I opened it it was only 29 %. I'm looking to get help with lowering my payments so I can pay it off. I'm on a fixed income so I can't really pay the over {$200.00} that they are charging me now.

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 2024-09-17 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: NY

Complaint narrative:
Hello, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-09-17 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 seeking your support to address the incorrect account listed on my credit report. This matter has harmed my reputation, and I need your intervention. Your mismanagement of my credit report has caused me significant distress, and I urge you to eliminate these false details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclays either accepts fraudulent transactions and passes them on to the consumer, or racks up fraudulent charges themselves - I can not be sure. 

On XX/XX/XXXX, my card was charged for {$130.00} at a XXXX XXXX in XXXX, Illinois. 

I reported this transaction as fraudulent as I live across the country and have never been to XXXX, Illinois. 

Barclays told me the card was physically swiped, which is not possible because the card never left my physical possession. 

Barclays did an investigation and somehow determined the charge was not fraudulent. They will not share how they reached this conclusion with me. 

On XX/XX/XXXX I faxed supporting documentation showing that I was on a business trip to NY on XX/XX/XXXX, nowhere near XXXX Illinois. I also sent my transaction history showing no purchases in XXXX, Illinois other than this fraudulent charge. 

Barclays did nothing with this information. On XX/XX/XXXX, I called Barclays, and they promised to investigate my updated information within 30 days. 

On XX/XX/XXXX I received a letter saying Barclays determined the charge is not fraudulent, again with no explanation, and no option for further discussion on the 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 monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CONCERNING : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
XXXX XXXX, XXXX, LVNV Funding reports a collection account with credit reporting agencies. 

XX/XX/XXXX, LVNV Funding sued me for a debt that they claimed they had the right to sue. 

XXXX, XXXX, I filed an ADA accommodation with my employer to protect my job due to absences caused by stress and XXXX  from lawsuit. 

XXXX XXXX, XXXX, I filed a FLMA claim to protect my job due the absences caused by stress and XXXX  from this lawsuit XX/XX/XXXX, LVNV Funding filed a motion for summary judgement against me. 

XX/XX/XXXX, I filed an opposition response for summary judgement. 

XX/XX/XXXX, Case dismissed with prejudice. 

XXXX XXXX, XXXX, I exhaust FMLA 12 weeks allowance. 

Since getting served with summons to appear in court, this lawsuit has cost me time away from work and made me XXXX XXXX XXXX XXXX 

LVNV Funding has never proven or provided proof that at the time the lawsuit was filed, they had the right to sue. The case was dismissed with prejudice prior to trial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: LEXISNEXIS
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX Consumer SSN:XXXX Consumer DOB : XX/XX/ I am writing to file a formal complaint against Lexis NexisXXXX XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident XXXX. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. XXXX. Date of Discovery : XXXX XXXX  XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with Lexis Nexis, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. 

Issues Experienced XXXX. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry. 
XXXX. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
I feel disrespected because for the past two months, I had nothing but so much effort in asking your company to remove these accounts immediately off my report and yet here we are- they are still reporting from my file and it's so frustrating to constantly ask for something that should've been attended to months ago. It is really affecting me and my credit scores and it is starting to negatively affect my life as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
I am writing to formally request an update to the balances on my credit report regarding the following accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to ensure that all information included in my credit report is accurate and up-to-date. 

Details of the Accounts in Question : Creditor Name : XXXX  Account XXXX Current Reported Balance:XXXX Correct Balance : XXXX I have reviewed my credit report and discovered that the balances for these accounts are incorrect. Please conduct an investigation as required under the FCRA and update the balances to reflect the accurate amounts. I have enclosed supporting documentation, including [ e.g., recent statements or payment receipts ], which confirm the correct account balances. 

According to the FCRA, you are required to investigate my dispute and update or remove any inaccurate information within 30 days of receiving this letter. If your investigation reveals that these balances are incorrect, please provide me with a corrected copy of my credit report. 

Please send me written confirmation that these updates have been made, or inform me of any action you intend to take. I appreciate your attention to this matter and look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
I am writing to formally request an update to the balances on my credit report regarding the following accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to ensure that all information included in my credit report is accurate and up-to-date. 

Details of the Accounts in Question : Creditor Name : XXXX  Account Number:XXXX Current Reported Balance:XXXX Correct Balance : XXXX I have reviewed my credit report and discovered that the balances for these accounts are incorrect. Please conduct an investigation as required under the FCRA and update the balances to reflect the accurate amounts. I have enclosed supporting documentation, including [ e.g., recent statements or payment receipts ], which confirm the correct account balances. 

According to the FCRA, you are required to investigate my dispute and update or remove any inaccurate information within 30 days of receiving this letter. If your investigation reveals that these balances are incorrect, please provide me with a corrected copy of my credit report. 

Please send me written confirmation that these updates have been made, or inform me of any action you intend to take. I appreciate your attention to this matter and look forward to your prompt resolution.

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 2024-09-18 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
Hello, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-17 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 response to consumer: Closed with explanation