vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
Recently checking my credit report i noticed that ive been a victim of identiy theft and found numerous credit inquiries i have no knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries 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 2024-12-21 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital one XX/XX/XXXX {$580.00} Charged off Date XXXX Credit card Not mine never had a credit card! Identity theft XXXX XXXX XXXX XXXXXX/XX/XXXX {$610.00} Charged off Date closed XX/XX/XXXX Credit card Not mine never had a credit card Identy theft. 
XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} Collections Address thay have is XXXX XXXX XXXX Never lived there I've lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my electricity is included in my rent. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( retail ) Opened XX/XX/XXXX {$3600.00} Closed XX/XX/XXXX Collections Not mine never been to a XXXXXXXX XXXX XXXX Don't know we're they are. 

Ex girlfriend an her boyfriend has my ID an know where I live found out she passed away an I got a police report I got to pick up Monday morning XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
As of XXXXXX/XX/year> i was reviewing my credit report from Equifax and found that there are 5 hard inquiries from sources that are unauthorized and therefore should not be showing in my credit report. under and pursuant to 15 usc 1681 and the FCRA these inquiries are illegal and in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. i contacted the credit bureaus to dispute these hard inquiries and requested removal. unfortunately the credit bureaus refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing.

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 2024-12-21 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: FL

Complaint narrative:
upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. i contacted the credit bureaus to dispute these hard inquiries and requested removal. unfortunately the credit bureaus refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my personal checking account without giving any reason and holding the funds total {$1200.00} saying the check will be mailed it to my home address once the account is closed. However, I reached out to the Bank of America today and they refused to giving me any reason for not mailing out the check and told me that the funds will continue to be hold without giving any estimate time.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA, would delay depositing my funds to intentionally overdraft my acount and create a domino effect of overdraft/non sufficient funds fees. that caused a cycle that I could not recover from. the fees were so repetative and constant that I eventually filed bankruptcy. becuase i fell behind on so many bills.

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Duke Capital, LLC
State: TN

Complaint narrative:
This collection agency Duke Capital said they are representing penfed. I never received any information that my account went to collection but I got a visit from the deputy sheriff saying I was being summoned to appear in court and I never heard of Duke Capital nor did I receive any phone calls or letters prior to that happening. I asked for validation of this account and the other items that I requested for validation and all they sent me was a payment history the 2 times I requested the other information XXXX XXXX XXXX tax form etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The company Equifax is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXX XXXX. I have already reached out to XXXX XXXX XXXX  and reported the account information as identity fraud. I submitted a request to Equifax to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint and original request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to remove the incorrect information from my credit reports. I have also requested the 1099C letters for the charged off accounts on my credit reports and have yes to receive them.

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 2024-12-21 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: MA

Complaint narrative:
I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD, XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Document Date : XX/XX/XXXX CHEXSYSTEMS, INC Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD To Whom It May Concern : I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT THEY WERE OPENED FRAUDULENTLY! IMMEDIATELY!. 
IF THESE ACCOUNTS ARE NOT DELETED I WILL SUE! 




FRAUD CHECKING ACCOUNT XXXX : XXXX XXXX XXXX  Account Number : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 2 : Bank Checking Account : XXXX XXXX XXXX XXXX Account XXXX : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 3 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : XXXX # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 4 : Bank Checking Account : XXXX XXXX Account Number : RTN/ACCT XXXX : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 5 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : RTN/ACCT XXXX XXXX XXXX XXXX XXXX delete it from my CHEXSYSTEMS REPORT PLEASE UPDATE MY CHEXSYSTEMS CONSUMER SCORE IMMEDIATELY AFTER THESE ACCOUNTS ARE DELETED!!!!!! 








Thank you for your time and help in this matter. Sincerely, 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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDland credit management has opened a collection account on me XX/XX/XXXX then when I reported it to the XXXX  that I do not owe this debt and contest the debt since they paid for a debt and aren't showing me how much they paid for the debt and how much is the actual balance I did not authorize this or any collection agency yet they still pester me with calls by XXXX XXXX debt collections threatening me and have engaged in dirty practice such as removing the collection from my XXXX and closing the collection then re-opening it again within 2 days which lowered my credit by XXXX points further lowering my credit by adding more strain to an already strained credit score by their actions and correspondence from the XXXX  they lie and say they replied to my XXXX letters I sent but they didn't because I did not certify them and say they are rightful owner of my debt and basically I owe them and they are within legal bounds to pursue the debt. Since the item was purchased by a third party debt collector the account it must be deleted as the status is not correct or accurate, the amount was paid for less than owed by the third party debt collector as you can see by the attached documents so therefore the information is not correct and not accurate. Therefore it must be deleted immediately also there shady practices as a business lowering a score because of a XXXX  report was really dirty and calling me when im on the government do not call list. How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts this is a clear violation the FRCA as this is not accurate or complete. 

Thanks and have a XXXX  XXXX and happy blessed new year XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/year> I.C.Systems, Inc. 
XXXX XXXX, MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear I.C.Systems, Inc., I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, 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 2024-12-21 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: FL

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

Company 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax Please see my previous complaint for a copy of my drivers license and Social Security card On XX/XX/XXXX, I requested a thorough investigation. 
Over one month later, I still have discrepancies and inaccuracies that are costing me Please advise me of your method of investigation Please re-investigate every negative account on my report Please send me a copy to my residence Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today XX/XX/XXXX  I received an email stating my ordered checks were delivered to my home address. I went to look in my mailbox or on porch for the delivery, the delivery IS NOT THERE!!!! I am very upset by this & angry as this package was the delivery of my new personal checks!!!!! So whomever took the package now has access to my checking account! This is totally irresponsible of Chase IF they had delivery person leave the package on porch to be stolen!!!! Especially @ this time of yr. when porch pirates are all over waiting to steel pkg. left unattended!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-21 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-21 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 hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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