vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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 dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX 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, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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 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 XXXX : 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX year, at which point i XXXX 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 EQUIFAX 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, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, there was money paid to XXXX for the amounts of : {$4100.00}, {$3900.00}, {$4000.00}, {$51.00}, {$51.00}. I called Allybank because I received an email from Ally bank about fraud activity. I told them that I did not make those purchases and that in early XXXX I had lost my phone which had access to all my passwords and applications to my bank account, credit cards, and other applications such as XXXX. They said they would investigate then a few days later I called to follow up and the Ally representative told me they did not believe me. During this time, I asked for all my statements because they closed my account, and I did not have access to it since XX/XX/XXXX. I was unaware of what had happened. 

I then logged into XXXX and see the following charges from XXXX to XXXX. {$3900.00}, {$340.00}, {$95.00}, {$3800.00}, {$50.00}, {$50.00}. I sent ally bank and email showing these discrepancies and screenshot of my communication with XXXX to XXXX XXXX case number. XXXX told me to work with Ally bank to raise a chargeback regarding unauthorized funds. I have not received any communication from Ally bank about a copy of my statements or this fraud case. It is not clear what investigation they did and why they are telling me they do not believe me. It is clear that the charges were unauthorized, and someone got into my lost phone and had access to all of my financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year> and XX/XX/year> I had a total of three charges added to my credit card that I did not make myself. I have reported credit fraud to my local banking institution, but I am trying to get these unwanted charges removed so that it does not impact my credit score/report, as well as me not paying for charges that I did not make myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out a dispute letter letting experian and XXXX know that I didnt have a account with them. This was incorrectly put on my credit and I dont owe them. Someone could of got this is my name. 

Delete This account from ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX accoount # XXXX. 

I sent a dispute letter to experian about this account to delete THIS account from XXXX XXXX XXXX XXXX XXXX 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 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This 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 non-monetary relief
Consumer complaint received 2024-08-12 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to express my grave concern regarding the derogatory rating on my account. This negative mark has already had serious consequences, including the rejection of a recent loan application and elevated interest rates on my existing credit accounts. The financial and emotional toll this has taken on me is substantial and ongoing. 

The ramifications of this negative rating on my credit profile are severe and far-reaching. It is significantly impeding my financial opportunities and causing undue stress in my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On Monday, XX/XX/year>, I reached out to SoFi Bank to report two different dispute claims. The first dispute for {$980.00}. And the second dispute for for the amount of {$1100.00}. I submitted all of the necessary paperwork and documentation necessary for them to begin their investigation. They explained to me that it would only take a few business days for them to process a provisional refund to my account while they continue the investigation. I waited several days for the refund to appear in my account and every time I checked I received nothing. Then on, XX/XX/year>, they sent me status emails regarding my claims saying that they were still investigating. I responded to the email asking if they will be refunding the money in the mean time and they did not respond. On XX/XX/year>, I called to SoFi 's customer service line to get a status on my refund. I explained to them, that will need the refund soon because I am relying on it for other things. The woman I spoke to assured me that it will not take much longer for SoFi 's investigation team to refund the money. At approximately XXXX XXXX on XX/XX/year>, I received a response email from the investigations team that said that my disputes do not qualify for provisional refunds and I will have to wait for the investigation to conclude before knowing if I will receive anything. This is completely unacceptable and frustrating because they have constantly stated that they will be giving me a provisional refund and it will only take a few days and now I have some else saying something completly different and suggesting that I may not even get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have used XXXX once using a PC to transfer funds to my son. 
I have never used my cell phone for financial transctions, only my PC. 
On XX/XX/2024 there was a financial transaction for {$4900.00} that appeared on my checking account. XXXX was used for this transaction to XXXX XXXX, a person I do not know. The {$5000.00} transaction was credited back to my account. 
On XX/XX/2024 there was another financial transaction for {$2100.00} appearing on my Chase statement. Again, XXXX was used for this transaction to XXXX XXXX XXXX, a person I do not know. As of this posting, this situation has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Date : XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Validation of Debt Account Number : XXXX Dear MIDLAND CREDIT MANAGEMENT XXXX I am writing to request validation of a debt that your company has reported in my name. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proof that I owe the debt you are attempting to collect. 

The details of the account in question are as follows : Account Number : XXXX Original creditor : XXXX XXXX Amount Claimed : {$6100.00} Please provide the following information to validate this debt : A copy of the original signed credit agreement or application. 
Documentation showing that MIDLAND CREDIT MANAGEMENT has the authority to collect on this debt, including any agreements with the original creditor. 
A detailed itemization of the debt, including the original amount owed and any additional fees or interest that have been added. 
Proof that the statute of limitations has not expired on this account. 
Copies of any judgment, if applicable. 

As stipulated by the FDCPA, please cease all collection efforts and communications regarding this account until you have provided the requested documentation. Additionally, if you are unable to provide the requested validation, please remove this account from my credit reports and notify any applicable credit reporting agencies of the correction. 

Please note that this is not an acknowledgment or acceptance of the debt but a formal request for validation. I will not be able to address this matter further until I receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: VA

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c

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 2024-08-12 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: VA

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Auto Finance
State: VA

Complaint narrative:
opened XX/XX/XXXX, in the amount of {$17.00} Unpdate : XX/XX/XXXX second account Opened : XX/XX/XXXX, in the amount of XXXX Update : XX/XX/XXXX I have reached out to this company via phone email and certified mail and I still haven't received any information, on the document request, so I looked online to find that this company XXXX XXXX XXXX has filed Chapter XXXX, So I contacted the company that handling their accounts willing providing them my information to identity these accounts. and the account wasn't able to be verified, So after speaking with a Supervisor I was informed that yes the company Total Auto Finance has filed for Chapter XXXX, I also explained to her this account is inaccurate, and no knowledge of it. so the supervisor suggested that I dispute the account again and let the credit bureau no that Total Auto Finance has filed Chapter XXXX and requested of removal of the negative accounts, I will be submitting supportive documentation of the Chapter XXXX notices along with inaccuracies, and how there are reporting on my credit profile, These accounts are in violation fraud violation. and all my consumer rights,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
On or about XX/XX/XXXX, I deposited a check for {$3000.00} via the Axos app into my consumer checking account. The initial deposit process went smoothly and the deposit was shown as " pending ''. On or about XX/XX/XXXX, the " pending '' amount, ( and all records of my transactions since I opened the account ), disappeared from the app, though I could still log in and read new messages at that time. I called customer care, and they told me that my account had been closed in XXXX due to inactivity and that since there was no account for the money to be deposited into that within a certain number of days, the writer of the check would simply see the money go back into her account. At that time, the money hadn't been drafted from the writers account. She called her XXXX XXXX, and they told her the same. 

On or about XX/XX/XXXX, the writer of the check informed me that the money had left her account and forwarded a copy of the check she had received from her credit union. This document showed that the money had been deposited with an institution called " Bofi bank, which is a former name of Axos. 

I have contacted Axos customer care many times and explained the situation, and have been told on at least twice that a cashiers check is in the mail. ( Once during a conversation on XX/XX/XXXX that a check should be mailed the same day, and again on XX/XX/XXXX that a check had been mailed on XX/XX/XXXX. ) The last check was due to arrive yesterday, XX/XX/XXXX, but it did not. 

At some point, I became unable to access the Axos app at all. I have contacted Axos ' customer care line multiple times to get updates and requested access to the app so that I can receive communications from them. Axos has continued to refuse to give out information to me directly by phone or email, even though those have not changed since I opened the account, but they won't give me access to the app so that I can receive messages either. 

I have no way to access my customer records with Axos now, but I do not have any record of being notified of the account being closed or suspended until I spoke to someone in XXXX. 

Today XX/XX/XXXX, I was on the phone with Axos customer care for 30 minutes and was told categorically that I couldn't be given access the app/messages, that they couldn't give me a direct contact within the company, couldn't do anything except forward the content of the call on to an internal dept that they weren't allowed to name. I asked repeatedly to speak to a manager or someone who had the ability to help. The customer service representative told me he was sorry that other people weren't doing their jobs, but that he couldn't tell me anything I asked about. I was told that someone would contact me but I have been told that before and it hasn't happened. I confirmed today that customer service calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TomoCredit Inc.
State: VA

Complaint narrative:
I originally got a card with this company, but when i found out how the card balance was to be paid back. i cut up the card and threw it away. I even called and tried to call and cancel the card. I left numerous messages for them to return my calls. even explained that i had destroyed the card and threw it away. A few months later I noticed that they were trying to take money out of my bank account. I again tried to call them, but again I got a recording. I have tried to explain to them that I can not use a card that no longer exists. Especially since it is physically impossible. They did everything but call me a liar to my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those
transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation